BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We began with, XX/XX/XXXX, US BANK in XXXX XXXX CA to complete a refinance ( advertised loan at 3.5 % and no fees loan amount at {$1900.00} a month ) of our home mortgage, since our mortgage with XXXX increased to {$2800.00} a month formerly of XXXX XXXX XXXX who assigned/sold our original loan for processing to XXXX XXXX, w/o our consent. Finally, in XX/XX/XXXX, loan processed and our mortgage note on a monthly Basis became {$3200.00}. We have contested this, but to no avail ; they refused to lower the note as previously agreed toGFE ( Good Faith Estimate ), XX/XX/XXXX, loan amount of {$420.00}, XXXX @ {$2100.00}, 4.375 % 30 year fixed monthly mortgage note. We do n't understand how they can ad additional charges to our loan and expect that we pay this amount on a monthly basis for 30 yrs. How can we get US Bank to honor their commitment to us at the Original GFE proposed to us. This is not everything, but basically this the problem and we have met with the loan officer as well as Bank Mgr. of the XXXX XXXX branch asking that they work with us but they have refused to meet with us once again and/or reconsider our request to refinance at a lower mortgage. Please Help, as consumers Banks ca n't be allowed to deceive and/or provide documents at their discretion to arbitrarily disguise or changed the terms of a loan. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I-have-been-going-through-the-Loan-Modification/Partial-Claims-Process-for-3-years-now, and-U.S.Bank-Home-Mortgage-and-I-had-already-reached-an-agreement, I've-done-all-they've-asked-me-to-do-and-beyond-I-was-sent-the-same-agreement-3, if-not4-times-along-with-my-agreed-payment-of-XXXX-each-time-and-all-months-inbetween-and-now-U.S.Bank-Home-Mortgage-says-my-Mortgage-is-more-and-they-sent-me-the-wrong-paperwork?! -I-received-more-paperwork-in-the-mail-and-it's-the-same-paperwork-I-filled-out ( more-then-once ) -3-years-ago-when-I-started-the-whole-loan-modification-Partial-claims-process! -It-looks-like-the-Bank-wants-me-to-start-all-over.-We've-already-reached-an-agreement ( XXXXmonthly-and-HUD-took-over-my-deliquentcy-amount ) -U.S.Bank-Home-Mortgage-is-breaking-the-agreement.Please-review-attached-documents.

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 2022-12-31
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have contacted the company several times. Their payment system charges me extra interest randomly, even though I make a small payment every day to pay the daily interest and part of the principal. They refuse to admit there is an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello, My name is XXXX XXXX. I am so frustrated about XXXX company and how it works their system. honestly, I tried everything that I can and even sent them the statements. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX My account number is XXXX opened the account XXXX 2017 This is what they are sending me the last two months. XXXX has completed your dispute for Confirmation Number XXXX and nothing changed Please fix 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 non-monetary relief
Consumer complaint received 2020-06-10
Company: MIDFIRST BANK
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: Investigation took more than 30 days

Complaint:
My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.

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 2016-05-23
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Mortgage sent a statement to me that said my escrow was in the negative by XXXX some odd dollars and I could pay that amount or have a XXXX plus charge monthly on my payment. I payed the escrow instead of having an added charge to my mortgage. I then received my next bill and they had added the charge and incorrectly posted the XXXX to the principal. I was told I had to email the info and it would be taken care of it was not. My next statement had the XXXX plus dollars added, I called and explained the person said it had not been resolved at the time but it should be by the time my next payment was due and I asked if they were going to reimburse the overage and she said no that it would not be reimbursed because it was a correct charge for the time even though I had paid the escrow months before. I asked to speak to a manager and she said they were backed up. This is a scam to collect more money. I understand that it is not a large amount of money but if you nickle and dime enough people you stand to make a killing. This can not be legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: PA
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 recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted on my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( Equifax, XXXX, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted on my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( XXXX, XXXX, Transunion ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. 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 non-monetary relief
Consumer complaint received 2015-03-24
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a XXXX mortgage with U.S. Bank. I had a loss of income due to a job loss. I needed to sell the house. Because the value of the house had fallen, I was upside down in the house. We had an offer to purchase the house that would leave a {$30000.00} shortfall. We asked the bank to work with us to either take less at close or lend the balance to me. I have been a U.S. Bank customer for over 20 years and have never missed or been late on any loan payment with U.S. Bank or any other creditor. Regardless U.S. Bank did nothing except ask for paperwork regarding the sale, my financial records, etc all of which I provided. U.S. Bank 's inaction over a 2 month period resulted in the buyer canceling the sale, since we could not provide a clear title. U.S. Bank refused to expedite my paperwork despite pleas from my attorney and me to make a decision so that we could lessen the financial loss to U.S. Bank and me. We presented XXXX solid proposals to the our assigned contact, filled out the paperwork correctly, spoke to a supervisor, all to no avail. U.S. Bank did not want to move forward on a simple {$30000.00} decision or provide any solution other than say they were working on it. Why did U.S. bank decide to harm themselves and me by taking no action. Now all parties will incur larger losses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've paid off XXXX accounts and upon paying both these debts off they agreed to remove both items remain on my credit. Accounts were with XXXX credit card and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Synchrony Bank repeatedly rips people off. I was able to win my first dispute with them. Now I find out they pulled my report again for no reason and are closing an account I paid of 3 months ago. This will negatively impact my score which I just raised to XXXX. By closing this account it will shrink my credit usage ratio DRASTICALLY. I received a letter that stated lack of real estate, high balances and a low score was their reasoning. I bought a house in XXXX, my score is XXXX and my usage got down to 13 %. They have repeatedly invaded my privacy, lowered my limit for now reason and are now actively closing an account which will directly affect my credit score, that will directly affect everything I apply for going forward, a refinance, costing me THOUSANDS OF DOLLARS.

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 2015-08-07
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Somebody used my social security n identity at hospital in XXXX and I live in XXXX from last 6 years just called hospital and they put it in fraud and gon na investigate and call me back in 24 hours I called XXXX about the inaccurate collection in my credit report and they said gon na put it in dispute tried to do on Equafax online but in vain hopefully they can resolve this issue as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to GreenTree Servicing when XXXX XXXX XXXX was told they had too many mortgages after merging with XXXX. Since then I have received numerous harassing phone calls telling me my mortgage is past due. That is not true. In fact, I always pay EARLY as I was told to do when buying my first home. I have emailed them, asked for a supervisor to take over my account, etc ... ..and they STILL keep calling. I was so angry with them today that I started searching online and surprise - I 'm not the only person they are abusing. I would appreciate any help you can give me. It seems very unfair to be harassed while paying my mortgage EARLY - every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to get free annual credit report from Equifax through XXXX. I have used this process for years without issue. When asking for the report from Equifax this time, it asked for a phone number and email, which has never been necessary previously. When I click the link provided to forego this step and request by phone or mail, I get an error on their website and no information is provided. When I enter my phone numbee and email, it indicates they can't process my request and tells me to call, but they provide no phone number on the page.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I discussed refinancing my FHA mortgage loan with Quicken loans. I asked what the cost of the loan would be. I told the loan agent that I did not want closing cost of more than {$5000.00}. XXXX XXXX stated that was workable. When I got the loan papers my closing cost were {$20000.00}. {$11000.00} was loan origination point. She never stated there was a point. I asked her what her fees were I believe it was {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Didn't receive any Information from 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 2016-11-09
Company: Alliance Collection Service
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In my recent review of my credit report for XXXX/XXXX/16, I notice Alliance Collection service reporting account to XXXX reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Alliance Collection Service XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX {$50.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated XXXX XXXX. I am able to send the documents as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
hardship, lost job applied for unemployment forbearance program, trial for 1 year, applied for permanent, denied XXXX, not enough income, making more then before.Said they could keep payments like in forbearance, half of my payment. ( XXXX. ) Paid XXXX in trial.Now want to do a short sale or deed in lieu.This is a scam, NO One has gotten these programs to help keep homes. Cause, I should have been approved to keep my home, never late, until hardship, never late on trial.Asked for information on how many people have ever gotten a modification. None. They offer to help, you go in program and then take your house.I want something done. This is fraud, they offer a service and do not follow though with it. False hope for home owners.Its a scam. No one gets programs.I have asked for information.Nothing, no one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems ( debt collection company ) attempted wrongfully obtaining a double amount of my initial debt owed by posting the same charges of {$500.00} and {$1500.00} from the same company two times : 1 ) XX/XX/21 ( 1st time the {$500.00} and {$1500.00} amounts posted ) and 2 ) XX/XX/21 ( 2nd time the {$500.00} and {$1500.00} amounts posted ). As per the itemized list of charges provided by the debt collector via email ( documents that can be provided upon request ) on XX/XX/21, I owed a total amount of {$2000.00}. I then made an initial payment of {$50.00}, bringing it to {$2000.00}. However, on XX/XX/21, there was a change on my XXXX credit report, stating that there was a new posting of the {$500.00} and {$1500.00}, which had been already claimed by the same company and debt collector that I was working to pay off. This " new '' debt posting brought my cumulative debt total to {$4000.00}. This is a breach in my rights as a consumer under the FTC laws and guidelines and would like for the National Credit Systems, as well as, XXXX XXXX XXXX XXXX, to both be investigated in this fraudulent, unlawful scheme as my rights have been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.

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 2022-05-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Bureau : XXXX refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : New Address : XXXX XXXX XXXXXXXX XXXX XXXX Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Credit Bureau : Equifax refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : Correct Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification. I was denied a modification, and any other types of resolutions due to " discrepancies '' on my application. In order to find out the " discrepancies '', US Bank is requiring me to get a subpoena to find out the basis for me my denial. 
I have consulted with an Attorney who thinks he spots the discrepancy which can easily be explained and proven. When I asked US Bank why ca n't you just tell me the problem and I explain, and their response is " our investors require you to get a subpoena in order to give the reason for denial. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: National Enterprise Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Enterprise Systems is trying to collect on behalf of XXXX XXXX  for an unknown debt. National Enterprise Systems has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$3000.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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