BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit card stopped working so I contacted the bank and was told I was over my limit. I pay my balance every month and only use the card for small charges like gas once a week. My identity was compromised and over XXXX charges were made in XXXX 2015. The CS rep took the information and I paid the charges I was responsible to pay. I mailed a letter denying the fraudulent charges and made a police report. Several attempts have been made to talk to the bank since discovering the fraudulent charges. I keep getting a new statement showing I still owe the charges and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Bridgecrest called m y cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and   left a message.
Bridgecrest called my c  ellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called my cellp hone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.     I have the messages saved on my cellphone. None of the messages were for 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 2017-01-24
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Have a XXXX call me saying he is with XXXX dispatch or XXXX thats working in XXXX to attempt to collect a debt or finalize a court summons on a debt I do not owe. They have called me recently Thursday XX/XX/XXXX and Monday XX/XX/XXXX. After calling me and leaving me a voicemail they have also called my family. On Thursday they called my XXXX on her home phone. Which is a number I never once used. Monday they called my Husband XXXX, Sister XXXX, Brother XXXX and Father XXXX. My sister had from them calling a previous time told them she was filing a complaint again them for calling her. Making sure they do n't call her again. Clearly they did. My father XXXX they called on his corporate line. This line does not come up his name but the name of his Employer.

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 2015-09-22
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
TO WHOM IT MAY CONCERN : There is a major discrepancy in the amounts alleged owed on the rescinded mortgage loan. 
We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to XXXX XXXX XXXX XXXX c ) ( XXXX ). 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. " Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: BONDED ADJUSTMENT COMPANY
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This is a monthly rental we signed contact for 1 year. When the contract was over I called the owner first time 35 days before end of contract and then twice 30 days which is required per terms of contract. I spoke with the owner and he was/is still very mad because my truck left ruts in his freshly paved parking lot. And he told me where to park. The owner of course said I never called him about leaving when I called 3 times o my to get his voicemail every time he also claims we left stain on concrete floor? We did no such thing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
U.S. Bank is the current holder of my mortgage. My payment is due on the XXXX of the month and I have always paid my bill on that day. Effective this XXXX, U.S. Bank implemented a policy that assesses an 'online payment fee ' if the mortgage is paid after XXXX XXXX XXXX on the XXXX of the month. Since I live in a XXXX, then this means the fee will be assessed after XXXX XXXX. on the XXXX of the month. Given that I work during the day, this new constraint causes an undue burden for me as a consumer. Essentially, I am being charged a 'late fee ' despite the fact I am paying my bill on time. According to U.S. Bank, this is not a late fee. Instead, they claim that late fees are only applied after a 15 day grace period following the due date expires. This new 'online payment fee ' is not given as an 'online payment convenience fee ', XXXX that is assessed across the board for online payments, but instead as a result of paying after a particular time. That is the definition of a 'late fee. ' I am being forced to pay a late fee despite paying my bill on time. 

XXXX, this was not part of my original agreement. Had I known this would be the case, I would have moved my due date to later in the month. There are no U.S. Bank locations or subsidiaries in my city or nearby so I do not have the option of making the payment at a physical location. My remaining choices are then to either mail in a payment or pay the bill online. When I first set up my mortgage account and payment schedule, no such ridiculous fees were assessed and so, I chose a schedule that allowed me to pay my bill on the XXXX of every month without incurring higher undue costs. Furthermore, I was not reasonably informed of these changes by U.S. Bank and how it would affect me. I happened to find out about it because I noticed the new field on my online payment page and called in to find out what it was about. 

This is not the first time I have had issues with U.S. Bank assessing an unnecessary fee on my account. Last summer there was another bogus charge on my account and calls to the customer service department yielded no results. Now, I 've had enough. This bank is predatory, unscrupulous and needs to be investigated for its business practices. I did not choose them to service my loan- they bought it in the secondary market. There is not a month that goes by that I do n't wish I could easily switch to another bank.

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 2015-05-11
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX XXXX. I applied for a refinance Mortgage loan at U.S. Bank. I was told that I could combine my XXXX mortgage loans into XXXX if my house appraised at {$200000.00} dollars. I applied on XXXX XXXX, XXXX for the loan. This process continued until XXXX XXXX, XXXX that was the date that I received an adverse action notice, citing the value of collateral as reason for my denial. I take issue with the appraisal itself, and the delay of receiving a prompt credit decision, despite several contacts with lending personnel requesting their decision over the months this process took. 

I think this constitutes clear violations of the Equal Credit Opportunity Act timing provisions, and is indicative of a larger problem with US Bank, where MANY other applicants could have been treated in a similar manner. Judging by the lack of concern about timing of adverse action among the bank personnel I encountered ( they seemed oblivious to the length of this process and that there was anything wrong with it ). I am a minority applicant with a long time on my job, excellent credit, and a home in a area of the city that is still appreciating ( a few blocks away from the XXXX XXXX ). I would also contend that the appraisal itself ( conducted XXXX XXXX ) was biased in that it only took comps from the neighborhoods XXXX of XXXX XXXX My property ( XXXX XXXX XXXX XXXX is city blocks XXXX of XXXX XXXX, which is a dividing line for where the majority of economic development and housing appreciations in the area is taking place. 
The appraisal came in late XXXX, had errors in the comps that it showed XXXX XXXX address being twice ) and in the wrong place. At that point I was told the value of my home was {$170000.00} and a loan officer texted me a counter, involving me purchasing PMI if the refinance was to proceed. Frankly I do n't believe it is possible to sell a finished home with garage for so low an amount in this neighborhood ( it would be bidding war that would take it over $ 200XXXX ). I was not happy with that offer and clearly told them I was not interested in that scenario. No subsequent appraisals are evidenced in the loan files, they stuck to whatever value their part-time appraiser came up with and never budged over the 4months I was simply requesting the credit decision in writing. I have other documents including my copy of the appraisal and the adverse action notice ( received XXXX XXXX ) available upon request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX 2015 I applied for a mortgage with Carrington Mortgage. I had an accepted offer on a house and the deal fell through because Carrington did not act in a professional manner and continue to act in an unprofessional manner. Recently I was asked for the same information only to be told that I MUST provide pays tubs although I am self-employed. I know that that is untrue. I feel as though I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our home in XX/XX/XXXX. Our payment funded immediately and we should have received a refund check for our escrow account in 30 days. 
Myloancare.com claims to have sent an escrow refund check to our address and that it has been cashed. We have not received this check since it was supposed to be sent ( XX/XX/XXXX ). Myloancare.com customer service claims the check has been cashed, but will not provide the proof of the cashed check nor who cashed the check. Also Myloancare.com refuses to re-issue a check or make a claim to their bank account about a wrongly cashed check. We have been waiting for several weeks for proof of cashed check with no response. I called last week and they told me a supervisor would call me within XXXX hours and they have not called.

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 2016-06-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I am a XXXX in Maryland. I listed a XXXX home from Carrington MORTGAGE services. I signed a form with Carrington REAL ESTATE services agreeing to pay 35 % referral fee. The listing agreement with Carrington MORTGAGE services had me paying a 1.5 % referral fee to Carrington PROPERTY services. The agreement also stated that the max referral fee would be 1.5 % I assumed I was only paying a 1.5 % referral fee to Carrington. I never noticed they were all different companies they all had the same logos. They never disclosed that they were all different. All you see on there forms is the Carrington logo then in small letters either MORTGAGE PROPERTY REAL ESTATE services depending on who your paying. I think this XXXX a RESPA violation. How many other Realtors work hard for there commission only to find out at the settlement Carrington and all there partnership are getting there money they worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: NV
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:
THIS HAS TO STOP! I HAVE SENT IN MY SOCIAL SECURITY CARD AND UTILITY BILL TWICE. I HAVE CONTACTED THE CREDIT CARD COMPANIES AND THEY CAN NOT PROVIDE ME WITH SIGNED CREDIT CARD AGREEMENT. THIS IS MY FINAL ATTEMPT BEFORE SEEKING COUNCIL. I HAVE SENT IN MY PROOF XX/XX/19 AND IT IS NOWXX/XX/19 AND STILL THERE IS INFORMATION THAT IS ERRONEOUS AND ADDRESSES THAT DO NOT BELONG TO ME. MY NAME IS NOT XXXX XXXX MY NAME IS XXXX XXXX XXXX XXXX XXXX, NEVADA. I DO NOT WILL NOT BE SENDING ANY THIRD PARTY COMPANIES MY DRIVERS LICENSE DUE TO HIGH FRAUD AND THEFT AMONGST AMERICANS. MY UTILITY BILL AND SOCIAL SECURITY CARD IS MORE THAN ENOUGH AND IT MEETS THE LIST OF DOCUMENTATIONS NEEDED TO CLEAN UP THIS MESS. NONE OF THE CREDITORS HAVE SENT ME A SIGNED CREDIT AGREEMENT. NONE OF THE CREDITORS HAVE STATEMENTS SHOWING XXXX XXXX. I HAVE STARTED CONTACTING LEGAL REPRESENTATIVE IF THIS LAST ATTEMPT IS NOT RESOLVED! EXPERIAN, XXXX  HAVE THE DISPUTES FROM MY PRIOR DISPUTES! I WILL NOT KEEP SENDING MY INFORMATION! FIX THE PROBLEM AND UPDATE MY CREDIT REPORT. BANKRUPTCIES DO NOT REPORT FULL SOCIAL SECURITY NUMBERS NOR DO THEY SEND INFORMATION TO THIRD PARTY COMPANIES NOR DO THEY MAIL OR GIVE INFORMATION OVER THE PHONE SO NOT ONLY SHOULD ANY OF THESE ACCOUNTS BE SHOWING ON MY CREDIT REPORT WHILE IN DISPUTE WHICH IS AGAINST THE FCRA LAW ACCORDING TO FCRA. THE BURDEN TO PROVE ACCOUNTS DO NOT BELONG TO CONSUMERS IT SHOULD BE THE CREDITOR. IF SOMEONE HAS BEEN IDENTITY THEFT THERE IS NO WAY FOR CONSUMER TO GIVE PROVIDE ANY DOCUMENTATION TO ANYONE. REMOVE THE BANKRUPTCIES AND ALL THE ERRONEOUS ACCOUNTS THAT FALL UNDER THEM : XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX ACCOUNT FROM XXXX, XXXX XXXX, XXXX, XXXX/XXXX  WHICH IS TWO ACCOUNTS ON THE REPORT, TARGET ALL THESE ACCOUNTS ARE UNDER A XXXX XXXX. I AM 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 non-monetary relief
Consumer complaint received 2017-01-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2016 the dept. of Hud had removed my pmi insurance as I reached the 76 % ratio.In XXXX XXXX sent me the hud statement that my pmi insurance was removed and also a statement of my new mortgage amount.It went from XXXX to XXXX.In the middle of XXXX XXXX. sent a notice of mortgage sale and transfer to Carrington mortgage services.I had received no paperwork from Carrington until middle to late XXXX. Since I had no paperwork, I had sent a payment of XXXX in early XXXX as not to be late.In late XXXX.Carrington sends me their mortgage statement with incorrect percentage on the transfer and they wanted the original amount of mortgage which was XXXX without including the pmi reduction.After many calls they refuse to acknowledge this.I have called repeatedly and also at their request faxed them the hud statement and the XXXX statements showing the mortgage reduction and change.After sending this information I still get absolutely nowhere.Now they requested that I write a letter explaining why I want the mortgage to be reduced.I have been right up front trying to resolve this problem but am being totally ignored.My rights have been violated and this transition is totally unprofessional.I as a customer should not have to be even involved .So now they said they have two months to resolve any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a XXXX for $ XXXX from my Mortgage lending company regarding a home owners insurance claim for year XXXX. XXXX is for non employee compensation - in this case, my insurance company sent funds to my escrow account ( due to home owners loss ), whom held my insurance money and disbursed to me as needed to repair my home. 

US Bank states it was reported correctly, but will not follow thru with their reasoning. I am looking to get this resolved but US Bank is unwilling to research further. 
My ex husband use to be on this loan whom claimed bankruptcy in XXXX. " I '' did not file and I have never missed a payment but US Bank claims they can not call, email me, etc. because of bankruptcy which was discharged in XXXX. " I '' have been advised by US Bank to request the Bankruptcy to be reaffirmed. I have repeatedly told them, " I '' can not reaffirm something '' I '' did not file. US Bank has treated me unfairly and rudely since the XX/XX/XXXX filing even though they have received every penny in which I owe them and on time. I feel US Bank will not look in to IRS question above simply because of this bankruptcy which has not affected US Bank in any way. 
I am looking for answers on the XXXX I received, as i believe it is in error.

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 2016-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to do a loan modification with Bank of America since XXXX 2014, I have submitted every document they have ever asked for. I even called the lady who was helping my case numerous times and emailed her and she never got back to me. We are a military family and we had to XXXX ( move ) to XXXX XXXX XXXX, we live XXXX and pay XXXX a month for housing and are house in XXXX was n't rented for some time and I was having health issues so I was unable to work and was going through the XXXX process. We fell behind in payments because we have XXXX kids that needed food and clothes and other items. So recently I got a third party involved in helping us with the house to do a Deed of Lieu, he has been having a hard time trying to get help with this. They told him that I did not send in any documents so I gave him all the paperwork and the letters that bank of America sent saying thanks for the documents we are reviewing them and will let you know the decision once the review is done. As the months went by and I never heard anything from Bank of America after I tried calling numerous times, and there were a few times I was on the phone for over 2 hours being transferred from one department to another and no one could help me. The agent that I have helping out with this now was told that a short sale was not necessary because of our hardship but when I called today they said the account was on hold for a short sale and they wo n't do anything with the Deed of Lieu until the short sale is done. So they are giving out incorrect information and not giving the agent or us any help what so ever. I have copies of every document and letter I have received from bank of America and even online XXXX has documents and letters from bank of America proving I submitted documents to them. With my health problems and my husband who has been in the XXXX for over 20 years has some serious health issues also we need this process to go quickly, we ca n't afford to keep the house and would lijke for Bank of America to at least help us out.

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 2016-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My husband died two and one-half years ago. The XXXX mortgage on our home is with Bank of America ( although it was originally a Country Wide loan, from a refinance in XX/XX/XXXX ). When we first obtained, in XX/XX/XXXX, our home the loan was in both of our names, but the refinance was obtained in just my husband 's name as he was fully employed at the time. The title was in both of our names as well. 
Since his passing, I have been making all of the mortgage payments, my name is on the deed as the Surviving Spouse, and, I am the Executor of my husband 's estate. 
I can not qualify to assume the loan, as my credit score is low ... ..during my husband 's illness our financial situation worsened and I went into debt with a few credit cards. I am XXXX and my financial situation and business situation has been improving and I am attempting to pay off the credit cards. 
Bank of America has told me that to allow me to assume the loan would be " preditory lending. '' Another comment from Bank of America is that in the past they would have been able to allow me to assume the loan, but they no longer can. 
All the payments I have been making are my checks, signed by me, but the loan account remains under the Estate of my husband, I would like to assume the loan and hopefully be able to then apply for some hardship program after the death of my husband. Maintaining the current payments at 4.9 percent is very difficult for me, and if my interest rate could be adjusted I would be most grateful, but I do not know how to go about it. I would have paid off the credit cards sooner, but I have had serious expenses related tot he house : last year the septic system had to be replaced, this year the well system has to be worked on. I really do want to maintain the integrity of the property, as I have lived here 30 years and have raised my children here and it was both mine and my husband 's hone, but I do not see which way to turn. 
I would be extremely grateful for your help. 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