BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-15
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX Bank transferred the servicing of my mortgage loan to LoanCare, XXXX. I feel I was not given adequate notification of this change. I have not received a notice from LoanCare, XXXX. After realizing today ( XXXX/XXXX/15 ) that my automatic payment to XXXX was not processed from my checking account as usual, I immediately went through recent mail to find a letter XXXX, dated XXXX/XXXX/2015 ( received after this date ). The envelope appeared very typical XXXX. Like a statement, or marketing offer. There was no indication that my action was needed, or that there was any urgency to the notice inside. Therefore, the letter went into my pile of non-urgent mail. Despite the nonchalant envelope, there was in fact EXTREMELY important information inside about the transfer of my loan! I then went to the website listed for LoanCare, XXXX to find that I did in fact have a payment due on XXXX/XXXX/15, that I was 14 days late and had already incurred a fee for late payment! Is there anything I can do to recover my late fee? Also, I feel I should receive some basic information about my account balance at transfer, payments, etc. What action should I take? Thank you in advance for any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: U.S. BANCORP
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Today, XXXX XXXX, 2015, I went with my son to my local branch of US Bank to cash his federal tax refund check. My son does not have any bank accounts as he does not make enough money to justify opening any accounts. The bank would not cash the check without him having an account there because they said it could take up to seven years for the check to either clear or bounce. They said it would be the same at any bank and suggested a credit union might do it. I am outraged that any American bank could refuse to cash a federal check. As long as you have your identification with you, you should be able to cash a federal check. Now my son has to go to a liquor store or a check cashing service who will take part of that check just so he can get some of his money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I put in a " Stop Payment '' request on an electronic withdrawel from a payday loan company ... and the teller said " sure no problem, you just have to pay the XXXX fee '' I asked her " are you sure ''? do I need to submit a letter? and she said No! I made this request 3 weeks before my sceduled withdrawel, I gave her the name of the company and the exact amount and the date the money was supposed to come out. As of today the money has been taken!! I called U.S Bank this morning, and was told that stopping a payment is NOT a guarantee. I WAS NOT TOLD THIS when I walked into the bank 3 weeks ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
they have been calling for a person that is not at this number. I requested on XXXX for my number to be placed on the do not call list, but still receive calls daily and hourly from them. I have called back on three other occasions to ask why I am still receiving calls and they say that are referring to the supervisor. I then explain that this was told to me before and the calls have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX I applied for a loan Mod with Seterus. Everything was completed ( trial period ) and I was sent the Loan Docs to sign. The name ( another parties name ) was not right and we were told not to sign to send back. XXXX back and received them back a couple of weeks later. We signed and sent back. I started calling when I had not received the notification that everything was ok. I am told that everything is being processed. Things went down hill from there. Told that the Mod had been denied and not to make any further payments. I still called several times a week to find out what was happening. I had XXXX XX/XX/XXXX so I stopped calling so I could recoup. In XX/XX/XXXX I called again and was told that the Mod. had been approved on XXXX XXXX 2016. So I called a rep at XXXX and stressed my concerns with what was going on. The next thing I knew I received a Dismissal of Foreclosure and the Loan Docs. So I started paying the payments in XX/XX/XXXX. Now I received a call reflecting that we are five months behind and getting ready to go into foreclosure again. I have written documents from Seterus reflecting payments being made from the Suspense fund now I am told that that was not right everything was wrong. So how do I know what is right. Also I was charged twice for attorney fees. The list goes on!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
Hi, US bank has an 'autopay ' feature to pay off one of there credit cards. Once you set that up, you can not go back to see when you scheduled to pay off your credit card. I called into US Bank to CONFIRM that I did schedule autopay to pay off my entire balance when it was due. 

The day the payment was scheduled, US Bank paid my full balance TWICE. This caused me to overdraft in my external bank account ( did not have enough money in that account for TWO payments ). US Bank then charged me interest ( {$11.00} ), 'returned fee charge ' of {$25.00} and more money at my external bank due to the overdraft ( which reversed the fees ) for a 2nd payment that should have never occurred. 

Again, this autopay payment was confirmed via a rep over the phone before it even went through. It paid my statement twice, causing an overdraft in my external account. I get hit with interest charged a returned fee charge for a second payment that should have never occurred.

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 2017-01-16
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
I was charged {$170.00} in a foreign country by a travel agency under false pretenses. I immediately contacted Citi to dispute the charge/report the fraud. Citi opened an investigation and asked for supporting details/documentation, which I provided. Citi then closed the investigation in the merchants favor without providing clear details as to why the merchant was protected instead of me the customer. This credit card advertises fraud protection and {$0.00} liability in events of fraud, but in this case, I have not been protected.

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 2016-07-12
Company: U.S. BANCORP
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Recently, a representative with U.S. Bank National Association encouraged me to sign up for a feature that will cover any Debit/Check transactions, and still charge you the {$36.00}. They said whether or not the charges are actually covered, is up to the Bank 's discretion. And what I have found, is that the Bank actually covers only XXXX-XXXX % of those charges, thus setting up a system where they can be resubmitted by the Creditor to U.S. Bank so that I will be charged recurring {$36.00} fees. Furthermore, recently I made a trip and made XXXX-XXXX purchases with my Debit Card. At the time of purchase, all of these charges were covered by current funds in my account. But due to the 4th weekend, they delayed processing them for several days, and because I had a subsequent purchase after that fact, they ended up charging me about XXXX-XXXX {$36.00} Overdraft Fees. After speaking with a representative over the phone, They did reverse XXXX of the fees, but I was still left suspecting that U.S Bank National Association is manipulating the system and the time frame in which they cover charges, to maximize the number of NSF and Overdraft Fees they can charge a customer. This is illegal and criminal and should not be allowed to continue. I can imagine the Class Action against USBNA is going to be in the XXXX of $ 's.

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 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I was approved for a Bank of America XXXX credit card, with a sign-up bonus of XXXX miles after spending {$1000.00} within 90 days. I have spent well over the required amount, and my monthly statement has closed. However Bank of America has failed to credit my account with the approximately XXXX points I 'm due. I have specific travel plans, and this arbitrary withholding of my points is directly affecting my travel itinerary. These points need to applied to my account immediately, 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
Consumer complaint received 2015-12-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold from XXXX to XXXX Loan Servicing. I called twice this month when my normal payment was not deducted from my checking account. They said they are working on getting the change over completed and I would get a " welcome package '' I did not receive any further information until yesterday when they left me a voice mail telling me to make a payment. Now they want a {$10.00} late fee. XXXX has a phone number that is not answered by humans XXXX or XXXX. 
I do not know these people. They seem disorganized, poorly managed, and I believe fraudulently collecting additional fees and damaging our credit. This is not what I expect from a company that specializes in loan processing. 
Can you do anything with these people?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I opened an account at International Bank of Commerce ( IBC ), XXXX XXXX the XX/XX/2015 in XXXX XXXX XXXX XXXX. I was informed that a credit card displaying the name of this bank, thru Elan Financial Sercives was mailed to my house in XXXX the next month. I did not ask nor authorize this line of credit to be opened. After speaking to the IBC I was told that I had to cancel the card, which I did before the end of the year. I reported it as fraud, and was told that reports from the credit agencies would be mailed to me. They were, to XXXX. 
I live in XXXX, I opened the bank account in XXXX, IBC has no banks in XXXX, but all this information was sent there. 
After speaking to IBC this month again, to find out why a line of credit was opened without my knowledge or authorization I was told that there are XXXX credit cards with different numbers, and presumably different lines of credit opened by Elan Financial. I have been given to case workers number who is open only the hours that I work, and after several calls has never answered my calls or returned my messages. I have no idea where the second card is, and do not know if additional lines of credit are being opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
US Bank had XXXX accounts under my name and I thought you could write a check for XXXX account to deposit it into the other account, because XXXX account I thought had overdraft protection. XXXX disagreed with me and said that I was XXXX XXXX '' checks. I 'm XXXX and I feel she reported me to Chex Systems for a poor reason, granted that I was confused and had no idea this was n't allowed. She took advantage of my XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my mortgage with Citimortgage for 5 years. They have never turned me down for a modification. I have submitted complete paperwork per their request over 15 times. They tell me my paperwork is with underwriting. After a few weeks, they request more docs. After I submit those docs, they assign a new loss mitigation specialist to my case and the process begins again. They never inform me that the modification has been accepted or denied. They have now sent me a sale date on my property while I am still in underwriting for modification. To my understanding, this is dual tracking. They have also not exercised reasonable care to obtain docs and have never informed me whether or not my modification ever officially gets denied or approved. I am trying to get the sale stopped while I am still with underwriting but nobody will help me. The sale is shceduked for XXXX/XXXX/16.

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 2016-10-24
Company: U.S. BANCORP
State: KS
Product: Credit card
Issue: APR or interest rate

Complaint:
I presently have a credit card with XXXX XXXX in XXXX, Kansas at a fixed rate of 6.90 %. XXXX is no longer going to service the card, but instead is having the card serviced by Elan. I received a letter with the following clarification statement : " Will my interest rate change? 
No, your current rates and terms will transfer to your new account. '' Today I received a letter from Elan stating that the rate would be a 6.90 % variable rate. I have contacted both XXXX and Elan and both state that they can not do anything about that rate change. 
As there are a significant number of cardholders impacted by this change, and many will likely have similar rates, this is going to have a negative impact on a large number of consumers.

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 2015-10-02
Company: Ocwen Financial Corporation
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
This has do to with the purchase of a " Short Sale '' Real Estate Contract. I submitted my offer to Ocwen Financial Corporation back in XXXX 2015. The offer was reviewed and left to sit for a few weeks. I was asked to come back with a higher offer towards the end of XXXX 2015 which I did on XXXX XXXX, 2015. I came up {$5000.00} on my original offer and they came back a week later, the Owner asking if I would pay the Attorney fees of {$2000.00} at the closing table I agreed to this. The Owner was good with this. I was told Ocwen would review and have an appraisal taken in the mean time. The Appraisal has not been taken as of today. I never received in writing these terms except for signing the document for the attorney 's fees. I have been told through the process I was the lead contract and XXXX back up contract. As of last weekend XXXX 2015 I received a notice stating that Ocwen was now going to take the property to Auction on XXXX. This was never told to the Listing Agent or Seller or to the Attorney and Mitigation Pros at the time of listing the property for sale. Ocwen has not been honest with their intentions of this property to anyone involved, they seem to have a hidden agenda in their favor. They are now asking the Seller to sign a release in order to take this step towards the Auction. They have a legitimate contract in front of them that they should address and follow through on. If I had known or it was disclosed legally like it should be according to the law I would never have submitted a Contract that was going to Auction especially on XXXX. They now want me to pay the Auction Fees of 5 % of the total purchase price and a standard {$290.00} plus closing fees if I win the auction. Between Mitigation Pros, the Attorney involved for the Seller, myself and the Seller we are absolutely livid with the ethics of Ocwen and taking such a direction. We all feel this is an illegal act with the lack of transparency on Ocwen 's part and should be addressed by your department. I know the other parties are going to submit a complaint also, it is from Mitigation Pros that I received your website link to express my frustrations. It is beyond belief that these kind of dishonest and unethical tactics continue after everything the American People have been through with the recession that the Financial Institutions were a large part of in the downturn. 
It is with great respect that I ask you to investigate this issue and make it right. It is for me and other Home Buyer 's wanting to be dealt with fairly and above board. It is expected of myself that I act honestly and with integrity and It should be for all involved.

Company response to consumer: Closed
Consumer complaint received 2015-05-23
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing modified my loan per my loan documentation mailed to me XXXX XXXX and then again XXXX XXXX. My new modficiation should be {$910.00}. But when I go online to pay, it states that my new payment amount is {$1200.00}. I have a signed loan modification agreement indicating that my loan should be {$910.00}. Also on my statement, XXXX statement indicates in the Important News section that my new amount for my XXXX XXXX payment is {$910.00} then I received another statement about 15 days later indicating in the IMportant News section of my statement that my new upcoming payment for XXXX XXXX is {$1200.00}. They added this information incorrectly and deceitfully but I have XXXX documents mailed indicating my new payment should be {$910.00}. When I call they are telling me it will be {$1200.00}. I have emailed and faxed in the document I received from XXXX XXXX in which she signed XXXX XXXX, 2015 authorizing my new modification agreement. I need my new payment amount to reflect {$910.00} in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: U.S. BANCORP
State: KS
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I have a pre-paid debit card through XXXX issued by US Bank National Association out of XXXX. XXXX processed a refund in the amount of {$490.00} on XXXX/XXXX/2016 at XXXX. It immediately appeared as complete in my online account and mobile app balance. When I call the account information line it notes my available balance as {$490.00}. There is even a debit of {$27.00} made on my account on XXXX/XXXX/2016 on XXXX AFTER the credit leaving me with a balance of {$490.00}. Yet I can not use my card to make purchases or pay bills. I called the customer information line twice and was told both times that it can take 24-72 hours for a refund to appear on my account because they put a block on it to guard against fraud. This does n't happen if I return an item at XXXX - the funds are instantly available and this is no different than any other electronic transaction. I asked when I would know when I could access those funds and I was told by both representatives that I should try to make a purchase and see if it will go through. so as I understand it I am supposed to take goods to a counter and present a card to see if I will suffer the embarrasment of it being declined jsut to see if my finds are available to me yet, even though everythig I see and hear tells me they are available. This is copied directly from my online statement : Card # XXXX Balance {$490.00} Rewards PointsUnavailable Last Login XXXX/XXXX/2016 XXXX CST Card Information Card Activity Statement Change PIN Card to Card Transfer Recharge Your Card Mobile Alerts Direct Deposit Form Pay Bills Card Activity " RP '' indicates Recurring Payments TimeCard No.Description/MerchantStatusAmountBalance XXXX/XXXX/2016 XXXX VISA PURCHASE XXXX # XXXX, XXXX Complete- {$27.00} {$490.00} XXXX/XXXX/2016 XXXX PURCHASE REFUND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complete {$490.00} {$520.00}

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 2017-03-21
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I had inadvertently sent an overpayment to US Bank which I requested a check refund. Instead of honoring my request or inform me that they could n't, they sent the payment back to my XXXX which they ca n't find the refund. US bank has requested a trace number but it 's meaningless to the bill pay provider. Now I 'm out of {$680.00} due to US bank 's oversight and lack of due diligence.

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 2015-04-28
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am writing to complain about U.S. Bank. I recently applied for a U.S. Bank XXXX XXXX Premier Visa Signature Card credit card and was approved. One of the major reasons, I applied for the card was an advertised benefit of " Bonus Award Nights '' where any award stay using XXXX XXXX points got the the last night free. This benefit is offered ONLY to U.S. Bank XXXX XXXX credit cardholders. 

On my XXXX statement I received from U.S. Bank as a XXXX XXXX credit card holder the following notice was in the statement : Program Update Notice For Your XXXX XXXX VisaStarting XXXX/XXXX/2015 Cardmembers can earn a Free Night at a XXXX XXXX hotel by spending {$10000.00} annually and paying an annual fee. Free Night replaces Bonus Award Night. Terms ( & conditions apply. 

I am upset because a benefit that was advertised when I applied for the card is being taken away with little notice right after I applied. I contacted U.S. Bank using the phone and was told they can not do anything about my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief