BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-19
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opted out of debit card overdraft protection with Bank of the West because I thought that it meant that any payment from my debit card would be declined if I did n't have enough funds. According to their website, overdraft protection covers automatic payments and recurring debit card transactions. I forgot about an automatic debit payment that the bank allowed to go through, totally my fault for forgetting, but I became overdrawn by {$7.00} so they charged me a {$35.00} fee. When I called to find out why and to have them explain it to me, one person told me it was at the bank 's discretion to allow things to go through and then she hung up on me so I called back and another person told me that it did n't apply to automatic debit card transactions but from what I understand it does.

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 2016-01-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage LLC was not the original loan holder for my house. Over the course of 3 years they acquired the mortgage. In XXXX 2015, South Carolina had massive amounts of flooding and many homes were damaged. Carrington Mortgage LLC took it upon themselves to send an inspector out to the home to inspect for damage and then subsequently charge XXXX dollars for the inspection. 
The problem I have is : 1. Not one point in this process did Carrington Mortgage reach out to me via email, mail or phone call to notify me of the inspection. 
2. Carrington did not provide me a report detailing what the inspection covered. Reviewing my XXXX 2015 billing statement, the inspection fee was listed and that 's how I found out 3. Carrington was unable to provide where in my mortgage documents stating that the fee they charged, I had to pay. They mailed me a copy of the documents circled a paragraph. In the paragraph it states nothing about an inspection after a disaster, nothing about an inspection that the mortgage company wants to do or anything. The paragraph clearly states that I must pay for all taxes, assessments, fines etc for the property. 
4. I am not even sure the company performed the inspection, as I was n't there or notified 5. Calling them is useless as they cant do anything over the phone. Everything has to be mailed or faxed. I have called three times to speak to them, each time a request must be sent to the Research Department for them to review and get back to me, approx. 30 days. When requested to be transferred by phone to the research department, they say they are unable to take phone calls. 

During a time of disasters companies find ways to profit from it. I think Carrington is one of those companies. Although {$15.00} is not a lot of money from one person, it could add up from XXXX or XXXX of people in SC that got charged this fee from Carrington. The home inspection, if they performed it, was to benefit the company not the consumer. This was them protecting themselves as such, they should be the ones to pay the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: EOS Holdings, Inc.
State: NC
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:
I paid off my XXXX communications bill on XXXX XXXX, XXXX, and I received a collection notice on XXXX XXXX, XXXX. I contacted the bill collector, who indicated that they had no record of payment, and then I contacted XXXX, who had no record of payment. I researched my XXXX XXXX XXXX bank statements and found a record of an electronic payment for the exact amount due. These harassment tactics are oppressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm in hardship I had to take leave from my work to take care of my XXXX father. I filled out all the paperwork to try and get some help when I got behind on my payments. They did n't want to work with me and denied me. The sent me a certified letter to pay XXXX by a certain date with a cashiers check and overnight it to an address. So I got everything ready and than I talked to them thank god because they gave me the wrong address on my certified letter. They said that was there old address. So if I would have overnights XXXX to them they would n't have received it and my house would be foreclosed. They do n't offer anyway of catching up. I have friends with there mortgage they have help and they work with them so they wo n't lose there house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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, 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 an account without my written instruction.

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 2015-03-20
Company: DISCOVER BANK
State: NH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a discover credit card holder since 2006. During my entire membership with Discover, I was never late with payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. Also, my credit score is always kept in a good standing. 

In last month, without any notice in advance, Discover closed my account and thereby wiped out my long credit history associated with Discover card. I contacted the company and demanded for an explanation. However, the only answer I got is " we are no longer able to meet your servicing needs ''. In the meantime, my cashback rewards of {$330.00} was wiped to XXXX. I called Discover again and asked about the cashback, and I was told it will be added to the remain balance and returned as a check. However, after 5 weeks, I still have n't received any check regarding the cashback reward. 

Upon the discussion I learned from the internet, it seems the closing was targeted at a large number of cardholders with a particular racial and ethnic background without a just ground. Thus, I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX I went onto www.carringtonms.com to make my mortgage statement. I have grace period to the XXXX to pay my mortgage but due to it being after that date my online payment included the {$50.00} late fee. I checked repeatedly to make sure that I input my routing number correctly and my bank account number and made sure the payment was submitted. I received a call on the XXXX of XXXX from someone at Carrington and I returned their call on the XXXX of XXXX. I spoke with a gentleman who informed me that they attempted to receive the payment and it came back account not found. I told him that I had made sure I input the correct information. I went ahead and made the payment over the phone that same. On the XXXX of XXXX I returned home from a business trip and opened a letter from Carrington dated XXXX/XXXX/XXXX stating that it was rejected for a account not found reason and stating that my payment must be in certified funds only although they received the payment by check on the XXXX, I called their customer service and spoke with XXXX representatives. The first told me that I had to make my payment today so that it would n't be late because they are closed on the weekend and Monday is a holiday. I told her I have until the XXXX to make a payment but I would go ahead and make it today. I went online to make the payment and saw that the payment due was $ XXXX.My payment is currently {$1200.00}. I was on the phone with a representative and told her what it showed. She told me that if I paid over the phone with her that I would save {$35.00} and that they had credited my account. she told me once I paid it to give her the confirmation number. I told her I did n't see where my bank account was refunded. She said that I would n't see it. It would be held in their ( Carrington Mortgage ) account as a credit until my next payment. I told her that I wanted my money back and I never gave Carrington permission to keep my money. She informed me in order to receive my money back I would have to show them a copy of my bank statement. I told her thats none of their business and why they needed to see my bank statement. I spoke with XXXX different representatives. XXXX hung up the phone, the other XXXX all said different things.I told them I just wanted someone to tell me the right thing. They all said Carrington does't give peopl 's money back and in order to do so they need to see a bank statement. I am pretty sure I put the correct information into the payment system the first time. A few years ago they told me the same thing at that time I thought they were credible now I do n't believe they are.When I checked my credit report today Carrington Mortgage had reported that I had missed a payment. That I owe {$1300.00} and that I am 60 days behind on my mortgage to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: U.S. BANCORP
State: KY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have sent Power of Attorney and Death Certificate via fax to US Bank on XX/XX/2015 and XX/XX/2015 so that I can address fraudulent charges on the US Bank Credit card that my parents used until my mother 's death on XXXX XXXX, 2015. 

Every time I call them they transfer me around and state that they did n't get the materials. This has been going on for over 3 weeks now. 


I would like to be able to speak with the fraud department to deal with the fraudulent activity and then to close the account. 

XXXX XXXX : XXXX XXXX, KY XXXXPhone : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
MIDWEST RECOVERY SYSTEMS has reported a " collection account '' to numerous credit bureaus in error. I do NOT owe them nor anyone they claim to represent any balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I own a small business and was looking for a credit card to consolidate some debt and transfer balance to from another credit card. I found the Capital One Spark 1.5 % Cash Select credit card which advertised : " XXXX $ annual fee and 0 % introductory APR for the first 12 months '' Underneath, it explains that the purchase rate is 0 % intro APR for 12 months, 18.99 % -26.99 % variable APR after that. 

I showed this online website to my business partner who agreed I should apply for this credit card as it allows for transfer up to XXXX with 0 % transfer fees and 0 % intro APR for the first 12 months ( so we both understood it to be based on description ). 

Lo and behold, upon the first statement after transferring XXXX from another credit card, there was a finance charge of {$72.00}. After calling customer service, I was informed that the 0 % APR for 12 months ONLY applied to purchases, not loan transfers. 

Me and my business partner both think this is misleading advertising as it does not mention that it only applied to purchases. After looking back now at the web page, I see that it says " Purchase Rate '' but I didn't understand what purchase rate meant, when referring to the 0 % APR for 12 months. I took it to mean what it costs to have a balance on the card, any kind of balance, whether it be by purchase or by transfer. 
It does not say that transfer balances are excluded from this 0 % APR offer. 

Capitol One went ahead and did a one time waiver of the finance charge but I still think it's misleading advertising and now I again have to look for a credit card that allows for transfer balances without exorbitant interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
A letter was sent to this company on XXXX XXXX requesting validation of this debt and to request all further contact be via mail only. 

A letter was sent by me and by my husband who was a co-signer on this loan. Delivery for both letter was confirmed on XXXX XXXX ( can provide tracking numbers ) My husband has received XXXX documents from them that do not apply to the debt they are collecting and has someone else 's social security numbers on them so I know this letter has been received. However they have not responded to my letter. 

They have continued to call my house, my husband 's place of employment and my cell phone number listed above. The last voicemail left on my cell phone was XXXX/XXXX/2016 at XXXX. The last call to my house was XXXX/XXXX/2016 at XXXX. 

My husband has asked them when they have called him at work not to contact him and they have continued to do so. This is a company with no respect of the law trying to collect a debt that has been passed through at least XXXX different collection agencies none of which can provide proof of debt or proof that they have the master promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was just told by my lender that I will have to wait 9 calendar days now thatmy loan was cleared to close. A certain amount to schedule the closing, another amount to deliver the closing documents, and even more to look atthe closing documents? Meanwhile my rate is expiring as I have arefinance loan that needs 3 more " business days '' for something after wesign? All this waiting seems like a way to make my rate worse!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is a XXXX bill from at least 2 years ago. Comenity Capital Bank started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates repeatedly calls my work using different phone # 's. When I do answer either nothing is said or they are completely rude and arrogant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX Account name : XXXXXXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name : self/lead # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - CARD XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2022-10-28
Company: EQUIFAX, INC.
State: MO
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 is XXXX XXXX submitting this another CFPB Complaint to request to the Credit Reporting Agencies once more to investigate the following accounts and remove them from my credit file. I am submitting this CFPB Complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to be removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: FIRST REPUBLIC BANK
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I went into First Republic Bank in downtown XXXX XXXX on XXXX/XXXX/15 at XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. I went into the bank to cash a legal settlement check in the amount of XXXX. The gentleman that I spoke with was a XXXX man with XXXX hair who sat XXXX or XXXX desks in from the front door told me that they could n't cash my check. They only had XXXX or XXXX XXXX dollars at most. When I inquired about why they did n't he said they did n't keep that much cash. He said they just did n't which I think is total XXXX Further there was no policy or anything posted at the bank that states they have a limited amount of cash on hand or on their website that says that requests for large amounts need to be handled in a " x amount of time '' There is no question about whether or not the funds were available for this check. It was placed in a client trust account -- legally no check can be issued from these accounts until the funds have been verified. So I am curious about why this person encouraged me to cash a check at my bank that I knew would be put on hold again at my bank because now they need to wait for it to clear from this bank instead of this bank providing me with the cash that I requested from a check drawn on their bank from a client trust account. Was it racism? Is it misplaced policy? Why allow someone to write a check in that amount if you are n't legally willing to honor the instrument person. I would like to know.

Company response to consumer: Closed with explanation