BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: AMA Advisors, LLC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX Homebridge mortgage took away my ability to pay over the phone. This caused me to have to mail the payment to Homebridge 's XXXX XXXX and the payment was applied late due to processing. I did complain and was told that there was nothing I could do about it and it counts as a 30 day late even though there are 28 days in XXXX. 
In XXXX I still had to mail the payment in which I did so by USPs priority mail. I received a letter from Homebridge stating that I had mailed the payment to the wrong XXXX XXXX and it provided me with the correct XXXX XXXX to mail future payments too. the letter was dated XX/XX/XXXX however I still received a 30 day late on my credit report. This caused my Streamline refi to not go through because it shows two thirty day late charges. Homebridge has refused to remove the charges and I can not continue to pay a 5.25 % interest rate which I have been paying since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted transunion credit bureau. Over XXXX times asking them to remove over XXXX inquires that did n't authorize. I keep getting the run around I did n't authorize all those hard ibquires

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 2016-02-02
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage is with US Bank, I have reached 76 % of the original sales value of the loan and they bank refuses to take the PMI off the loan.I have contacted them 3 times. I 'm not asking for a manual removal, instead the automatic removal should 've been done. Also, I have read the original papers i signed at closing and my Mortagage is not a high risk loan. According to them I will require an appraisal I need to pay to get this done. I have read the Homeowners Protection Act and all the documentation. There is nothing regarding this. 
Thanks for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are three accounts on my credit report that are not mine they do not belong to me it is not mine I didnt apply for them I didnt use these I dont know where they are coming from. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2016-03-17
Company: U.S. BANCORP
State: ME
Product: Credit card
Issue: Payoff process

Complaint:
I was very upset to find out that when my promotion ended and my remaining balance went to my contract rate, the additional payment that I made shortly after my statement closed all went to the lowest rate on my account at that time. The rep at Elan Card Services explained that it was due to me still being at a 0 % when the payment was made. The payment was indeed applied that way, however, the XXXX was not still in effect when I made the payment and I was charged for a full 30 days of interest on the part of my balance at the highest rate. They are forcing their customers to pay at least 1 full statement cycle of interest regardless of the amount paid during that cycle. They did take care of my account but, I do n't want them to get away with this with other customers that are not in the financial world and therefore do n't have full understanding of the payment allocation laws put into place with the CARD Act.

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 2016-12-01
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Other

Complaint:
My Father had just recently passed away on XXXX XXXX, 2016. I contacted the credit card company on XXXX XXXX. My father 's balance owed was only around {$11.00} and i wanted to pay off the balance immediately, close the account so no further transaction could take place. His balance was due on XXXX XXXX. I was told i could not pay off the balance and had to send a letter with his account info so they could verify his passing. I did the next day. I recieved a letter aobut a week later dated XXXX XXXX requesting more information, i called them on XXXX XXXX, they tell me no further information is required. I asked again about paying off the balance, again they said they could not do it over the phone. they said to send in the payment, i asked to verify balance owed, they told they could n't tell me and to send in whatever was shown on the last statement. Last night i went online to my fathers account to confirm what the balance was and to get an address as to where to send it in. The account was still active, no closure, and now is showing late fees and interest charges more than what the orginal balance was owed? Again i contacted them today on XXXX XXXX, now they say want a death certificate. Every time i call i get a different questions and answers. I just want to close this issue, i have no idea what balance i am responsible for? If i pay off the initial balance will they continue to add interest charges and late fees on the interest charges and late fees. This seems deliberate action to do so. All the other credit card companies i contacted closed the account on my first call and allowed me to pay off the balance owed. Deaths are of public record and easily verified for any credit agency. I feel that i am being just strung along to be milked for fees and interest charges. They told me it could take up to three months to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04
Company: U.S. BANCORP
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a complaint against U.S. Bank XXXX. I noticed I was overdrawn XXXX. I immediately deposited XXXX which brought up account balance to a little over XXXX. Then they still going to charge me an overdraft charge. Why? The account was n't overdrawn at that time ...? Seems they are mad because I got the account back up before they had the chance to charge me, but chose to do so anyway. I want my XXXX back. How dare they pull such shady practices. Most banks give you XXXX free overdraft, this was my fIrst XXXX. Please help me as banks should not be able to pull such bogus deals. 

I want my XXXX refunded. 

































XXXX {$20.00} - {$4.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX Ia {$6.00} {$15.00}

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 2021-05-25
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Discover has a XXXX EST cutoff time for payments to post on an account on the same day. On XX/XX/2021 ( my due date ), I submitted my monthly payment at XXXX EST. Despite submitting my payment on the due date, I was charged a late fee because it was after XXXX EST. This policy and/or practice is unfair to credit card customers. Even if payments submitted after XXXX EST can not post on the same day, customers who submit payments between XXXX EST and XXXX EST should not be charged a late fee if submitted on the due date. I have several credit cards with other financial institutions and Discover is the only institution I know that has this policy and/or practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-08
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Loan Servicing took over my mortgage and the interest rate on XXXX house is 10 % and interest on the other house is 7.9 % I asked, called and wrote a letter asking them to lower interest rate. They will not do it. I do not qualify for a loan re-financing because I am unemployed and poverty level. I do have school loans which are also considered for the rejection of the re-financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CURO Intermediate Holdings
State: LA
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:
XXXX is reporting the account with AD Astra Rec inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX/XXXX/2016 I made purchased a furniture set for roughly {$1000.00} on Kohls.com. This order number is XXXX. 

My formal complaint is regarding their credit card marketing and the misleading approach that they use. I had planned to use my XXXX XXXX yesterday and when I submitted all information in the ordering process a pop-up window appeared. I was on the very last submission page about to click " submit and finalize order. '' This pop-up says, " Apply for a Kohls charge card and you can save 20 % on this order! '' My order totaled {$920.00}. I am not XXXX to take out credit cards, but this was enough of a discount that I thought it would be a good idea. I had used a coupon code prior on the site, but it says under promotion codes you can use up to XXXX. I also looked at the fine print ON the pop-up ad and no where led me to believe I could n't use the discount especially since they already had all of my order information. I moved forward with the application process to be approved. As soon as I went back to the submission page and submitted the order I realized it had not taken 20 % off additionally. I called customer service and they told me that it was due to me having a discount already. I see this as nothing, but a misleading marketing ploy and they even agreed on the phone that it could be misleading. Even though they seemed somewhat sympathetic to me they were not willing to return my grievance of 20 % ( {$180.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX will not update my credit report has not been updated since XX/XX/XXXX.Also I let XXXX know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to 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 2015-08-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services. Carrington is requiring me to keep a escrow balance not to fall below {$680.00}. There is nothing in my loan contract that gives them the right to do that. My targeted low point was {$0.00}. XXXX XXXX XXXX did not do this. The balance fell as low as {$250.00} one year. Even their letter states my targeted low point was {$0.00}. I feel this is a breach of contract and that my loan terms should prevail over their policy. I did not AGREE TO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was not told by XXXX XXXX XXXX that my loan went to cArrington mortgage service on XX/XX/2016. When I called to pay today XX/XX/2016 they told me. I called cArrington to make a payment and told me they are not willing to accept anything but the full amount I was behind. I am behind 4 months which has been going on for the last year since I was unemployed. I have been paying XXXX XXXX XXXX each month my payment plus an extra XXXX to catch up. They refuse to accept XXXX payment today when my regular payment is XXXX. Will only accept XXXX the amount due and refuse to work with me. They want me to go even further behind. I am trying to catch up and have been making payments every month for the last year. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
my XXXX year old married daughter is on my report ( XXXX ) she should not be on my report. I do not co-sign for any of my Children. One of the address is wrong, XXXX is the only address. XXXX is wrong ...

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 2021-05-25
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have NO CONTRACT with this collection agency. Also they have been trying to collect on debt they claim I owe them that the date owed has been changed many times outside the statue of limitations. I am continually sending verification letters to this same collections agency every month or so for the same exact date of service and not only is this stressful but it is mentally draining me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that cause that reinserted previously deleted information. They violated my rights unders section 6.11. I was never notified. As a result my credit score has been gravely affected. i have contacted them more than but they have not taken any actions to correct the error. I am requesting that all inquiries be removed from report.

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 2021-05-25
Company: NCB Management Services Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  is reporting the account with NCB MANAGEMENT SERVICES inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for all credit agencies including XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After the dispute I sent the agencies on XX/XX/XXXX this inaccurate account was deleted from my credit report on XX/XX/XXXX. On the report of XX/XX/XXXX XXXX  reinserted this back to my credit report. I have disputed this again since then.. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: TX
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:
I have reached out to Equifax, XXXX and XXXX well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: AMERIS BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my Ameris Bank account at the XXXX XXXX location on XX/XX/21 in person with XXXX XXXX Assistant Branch Manager. From that point on, I was never able to access my bank account online to verify what funds were available despite visiting numerous branches all over the city to attempt to take care of this in person. I spoke to XXXX XXXX, VP Branch/Biz Manager at the XXXX branch , XXXX XXXX , VP, Branch Manager also at the XXXX XXXX branch , someone at the XXXX branch and elsewhere too, and finally closed my account with XXXX XXXX XXXX XXXX XXXX branch . 

Due to never being able to access my bank account online to know my balance and with the understanding I had opted out of overdraft protection, I believed I wasn't being allowed to use my money beyond what was in my account. 

Imagine my horror when I realized the bank had decided to charge me {$400.00} worth of overdraft charges when I finally received all my mail. I moved a lot while living in XXXX  for reasons beyond my control and this was a huge financial setback leading me to leave XXXX completely after closing the bank account. 

I continued to receive delayed bank statements and other bank information long past the time it was relevant leading me to believe that it is unfair that I should have been charged such high fees when I tried NUMEROUS times in person to correct this and asked them to opt me out of any and all overdraft options numerous times. 

I am not happy and will never refer anyone to this bank because their online banking is the worst. I would change my passwords, my login info and it never mattered. Nothing I used would work to access the account. Even when I called it was nothing but a hassle. 

I don't think I should have to pay that much money when I tried every way I could to prevent it from happening and they did nothing to protect my account. 

I even opened another personal account thinking that if my money went there, I would avoid overdraft fees because I have NEVER agreed to opt in and when you review the application and account information you will see the people who helped me never checked that off preventing it from happening. 

I believe they're running a showdy operation and take unfair advantage of people because we don't have access to the backend to know whether or not our personal requests have been activated. 

In addition, I was never told that the biz account wasn't closed down and money continued to be sent there when it shouldn't have. As a result, they continually took money from me for fees. I AM NOT HAPPY ABOUT THIS AND THINK THEY NEED TO BE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital once sent me a letter regarding an account I made a payment settlement on. The letter stated that I missed a payment on the account ( Opened XX/XX/XXXX XXXX in XXXX of XXXX as the first date of delinquency. XXXX is showing a made payment for this account in XX/XX/XXXX, showing that XXXX was the first date of delinquency. I'm requesting the immediate removal of this account for inaccurate information furnished.

Company response to consumer: Closed with explanation