BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-02
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Other fee

Complaint:
Purchased trip insurance from XXXX XXXX. The site allows you to enter your home country so it is clear that it is a worldwide organization, but I purchased the policy in US dollars and the policy is a US policy, " XXXX '' underwritten by XXXX, a US company. My credit card company US Bank charged me a foreign transaction fee for a US dollar transaction because the parent company is located in XXXX, XXXX. If I 'd know that I would be charged this fee, I would have used a different card that charges no foreign transaction fees, rather than earning miles on my usual credit card. Online reports say this is happening more and more often, with airlines that book you on overseas partners with US dollar transactions, or airline resellers like XXXX. I called the insurance company ; they say it 's not their problem because they ca n't tell people they are a foreign company since some of their customers reside in XXXX, their home country.

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 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is my second complaint about this matter. Bank of America credit card suddenly reduced my credit limit by {$25000.00}, to {$500.00}, though I had paid off a {$36000.00} balance a year ago and though I rarely use the card and am always up to date with my payments. I have been their customer for fifteen or twenty years. By reducing my limit in this way, they triggered an avalanche of problems for me on my credit score, causing other cards to follow suit and lowering my credit score by FIFTY POINTS. I am trying to refinance my mortgage during a difficult divorce and now will be unable to do so. I reported them for this problem several months ago and they told CFPB that they needed more time to " work on it. '' Since then, silence and nothing changed with my account. 

I should note that about the avalanche described above -- another one of my cards reduced my limit after Bank of Am did so, but only from XXXX to XXXX. This impacted my score only slightly. There is absolutely no reason that Bank of Am could not do a similarly small reduction in credit, covering whatever concern they had without destroying my life for a card I rarely even use at present.

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 2016-11-21
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have contacted XXXX XXXX as it shows on my credit report ) and was told this is now Bridgecrest. I contacted Bridgecrest about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification

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 2017-01-22
Company: U.S. BANCORP
State: NE
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
A hold was placed on my savings account so I was unable to transfer money into it. I called the customer service number and was told I have to contact a banker in Colorado to receive any kind of information regarding why I was unable to access my money. The next day I found the same hold on my checking account as well, and was told the hold on my savings account had been in place since XX/XX/2015. This is absolutely untrue as I 've processed transactions using this savings account frequently over the past year. I now have no access to my money. I have tried calling the number provided to me and no one answers the phone. I am attempting to open a new checking account at a new bank because of the service I 've received at my current bank. However, to verify my current account the new bank needs to submit two 'trial deposits ' into that account. The new institution is unable to process these transactions due to these holds, the nature of which no one seems to have any information on. Now this is preventing me from being able to open a new bank account. I can not access my money for reasons that have yet to be explained to me, and I can not move my money to a new institution because my current institution froze my accounts and did n't feel it necessary to inform me.

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 2021-03-09
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As soon as United Collection Bureau Incorporated called on Tuesday XX/XX/2021 they began by asking for personal information such as social security number and date of birth which is first off alarming and unacceptable. They said its their means of verifying they have the right person. In my refusal to give them my personals they got upset. I then proceeded to tell them to send whatever this matter is to me in writing but after I communicated that they disconnected the call, TWICE. Very unprofessional and unethical practices! need some type of resolve in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
An offer was submitted in late XX/XX/XXXX for {$280.00}, the Building and safety conducted an inspection and found multiple substandard issues with the property and issued a substandard lien. The cost to remove the substandard lien was Estimated by a Licensed XXXX and factored into a revised purchase offer addenda for {$250000.00}. after a complete submission the lender countered back with the same amount of {$280000.00}. after more research it was discovered that the last XXXX conducted was on XX/XX/2016 for an amount of {$260000.00} This seems to be going nowhere and they are not very good at returning either phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Your submission, [ Case number : XXXX ] Postcards with my name were left XXXX in my Daughter 's entry to her apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Meridian Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full. 

Collection agency violated section 15 U.S.C. 1692 of FDPAAsloduring discussion with agency they failed to provide accurate information despite my attempt to secure sameThey reported an inaccurate debt to credit bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Ace Cash Express said they would have government put a hold on my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Verisk Analytics 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
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:
My loan for disadvantaged students and XXXX Loan was transferred to another company without informing me ( to ECSI ). My payment was overdue because I could not log into my account with my old lender. I finally find out the loan was transferred and missed a payment. Now my credit is damaged by no fault of my own. They will not help me. I had to pay many thousands of dollars or was threatened to put my loans in immediate default. I feel I am being mistreated by this process and have no XXXX on my side. Even as I try to pay they charge large processing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX I sent in documents to Experian explaining how personal information was on my report that did not belong to me such as names, addresses and SSN, to my knowledge those information was removed, however the negative accounts that were associated and opened with those such names, addresses and SSN that were deleted from my report are still listed on my credit report, these negative items are affecting my ability to build my credit and is a clear violation of my rights, these negative accounts do not belong to me as its been well over 45 days plenty of time for the company to correct and delete these items associated with those personal information that did not belong to me in the first place.

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 2015-12-11
Company: MORTGAGE CLEARING CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have a Mortgage with Mortgage Clearing Corp. Our current issue is XX/XX/XXXX, we called them to see if there were any programs that had that would be available to use due to financial hardship. Our mortgage at the time was {$1800.00} ; this was extremely high for us. This amount was about XXXX % of our net income, which is against the law, according to the law ; rental payments should not exceed XXXX % of your net income. 
At that time I spoke with a XXXX and then the XXXX of the company. And we were told to start paying {$1200.00} monthly ; this would be a loan modification. That was great for us. We never received any formal documentation regarding the modification, but we continued paying the {$1200.00} as we were told by Mortgage Clearing Corp. 
We then filed a Chapter XXXX Bankruptcy due to financial hardship. Now, we receive word that our Mortgage will be {$2500.00} starting in XX/XX/XXXX. 
We were also told by our Bankruptcy Attorney that we are behind on our Mortgage due to only paying the Principal and Interest, and that the taxes were not included in our payment. Due to a lack of funds available for Property Taxes. We did make all scheduled payments for our Bankruptcy Plan and we thought we could move forward to financial stability. 
Now, because we were paying the wrong Mortgage amount and subsequently are behind on our mortgage, our Bankruptcy can not be discharged. 
We have been paying {$1200.00} since XX/XX/XXXX and have never received any type of correspondence from Mortgage Clearing stating we were behind on our Payments. Had we received anything we would have made the correct payments. 
We simply can not afford to pay $ XXXX monthly at this time. I am a XXXX XXXX XXXX and my wife is currently receiving Unemployment Benefits due to her being laid off from her job. 
We are just looking to be treated fairly and the Business Practices of Mortgage Clearing Corp are unethical and borderline illegal. 
We are hoping that someone can assist us with dealing with Mortgage Clearing Corp in a professional manner, and receiving a more manageable mortgage payment. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Meridian Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife bought a time share at XXXX XXXX in XXXX, VA. The property became run down under the original management company and an XXXX XXXX was formed to take over management responsibilities. In XXXX the XXXX XXXX XXXX did an inventory of the property and determined that time share owners would have to provide over {$1000.00} in a XXXX to renovate the property to a minimum standard, On Auguest XXXX, XXXX my wife and I paid this XXXX with an elecronic check drawn on my wife 's account at her XXXX XXXX. The amount that we paid was discounted because we paid early and in full. On XXXX XXXX, XXXX, three mongths after making the XXXX payment in full and clearing the Deed of the time share of all encumbrances, my wife deeded the time share to me through a Deed of Gift. 

Several months ago in XXXX I began receiving telephone calls and letters from XXXX XXXX XXXX XXXX XXXX in XXXX, NC demanding {$1100.00} for an alleged debt to XXXX XXXX XXXX XXXX. After several attempts to discover the nature of this alleged debt, I understood that the XXXX XXXX claimed that I had n't paid the XXXX. I tried phoning the XXXX XXXX over a dozen times to find out if they had mis-applied my payment as they had done in the past or if there were some other clerical error. They never answered their phone. I left voice mail messages identifying myself and asking that they phone me back. They never returned any of my calls even though I am a member of the XXXX. XXXX refused to answer questions about the validity of the debt and just asked if I was going to pay by check or credit card. 

After sever harrassing phone calls, I managed to have XXXX agree to stop calling until I provided a copy of the cancelled check. After several atteempts to provide a copy of the front and back of the cancelled check and XXXX claiming that they never received it, I mailed a copy of the check to them and considered the matter closed. 

A few weeks later I received another letter from XXXX demanding payment in full of the {$1100.00}, I was perplexed to say the least. 

After several more harrassing phone calls, I discovered that the XXXX XXXX XXXX XXXX was attempting to collect TWICE for the same debt : once from my wife, which was paid in XXXX XXXX, and once from me, claiming that these were separate accounts for the same timeshare. This is tantamount to fraud : they are attempting to collect the same debt twice even though it had been paid in full. If this practice is legal, someone should make it illegal ; it is certainly immoral.

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 2015-11-21
Company: First National Collection Bureau, Inc.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have been receiving numerous calls from XXXX XXXX XXXX XXXX XXXX, Maine. When I pick up the receiver no one answers and there is no recording, just silence. This goes on day after day. Finally yesterday, XXXX/XXXX/2015 after receiving another call I called the number back. Woman who answered said she was from a Collection Agency, did not give a name of the organization and that she was looking for a woman, XXXX ( XXXX name ) which I can not remember. I informed her that my wife and I live here and there is no XXXX living here. Calls from this number are nearly everyday, often twice a day. The least they can do is answer the phone when they call my home. I hope you can rectify this nuisance for me. I have no debts other than monthly bills and have never dealt with a debt collector. 
Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: National Credit Adjusters, LLC
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Dear Consumer Financial Protection Bureau Representative ( s ), I have received a federal direct subsidized student loan while attending XXXX XXXX XXXX, Maryland. Now I transferred to XXXX Maryland XXXX XXXX XXXX to earn my XXXX 

However, Nelnet Student Loan Servicer, my student loan servicer has already started accruing of an interest while I am still at school. Although I have contacted them several times to remove the accrued interest in my account, they refused to do so because they claim that since I already XXXX from XXXX XXXX XXXX with XXXX, I am responsible for the interest accrued since my XXXX date ( XXXX XXXX, 2016 ). I have repeatedly said that I am still at school ( XXXX status ) pursuing my XXXX XXXX XXXX at XXXX Maryland, XXXX XXXX. In addition, they also claim that non-school days such as break times, winters and summers are considered as " out of school status '' where the interest starts accruing which is NOT true. In addition to my previous knowledge, the information I found, about Direct Subsidized Student Loan, on the Federal Student Aid 's website ( on the Q & A section ) says : " Question : Do I become responsible for paying the interest that accrues on my Direct Subsidized Loans because I graduated from my prior program prior to or upon meeting the XXXX percent limit, and enroll in an XXXX program that is the same length or shorter than my prior program? Answer : NO '' I am contacting you because I am in a big frustration -- I keep receiving the same response from the subordinates and supervisors at Nelnet. I believe there should be a fraudulent activity in this " loan servicer '', and I suspect that other students might have also been impacted by these related illegal activities. 

I kindly request you to launch broader and deep investigation about all the activities that Nelnet has been doing because I feel that I am being defrauded. 

Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: First National Collection Bureau, Inc.
State: SC
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:
First National Collection Bureau, IncXXXX XXXX XXXX, Nevada XXXX-XXXXSettlement Offer 50 % in XXXX paymentsDirectTV settlement of {$320.00} in XXXX payments over 2 months starting on XXXX/XXXX/2015 ( 28 days ) for XXXX payments of {$160.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Re : Case # XXXX Since my last contact with you, the servicer for my mortgage loan has changed to Rushmore Loan Management Services. My loan number with them is XXXX. They refused to accept the modification package from the prior servicer, XXXX. They demanded that I resubmit on their forms. I did this. I made sure these forms were complete to the nth degree. 
Now they have sent me a modification offer which does n't modify anything. First, they want all delinquent payments plus late fees and charges. Then, they want me to resume making payments at the original agreed upon amount and rate of interest. 
This type of ludicrous offer certainly does n't help a XXXX XXXX XXXX senior citizen stay in his home. 
What assistance are you able to give? 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation