BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-14
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage loan with U.S. Bank currently has an escrow account with a XXXX cushion on it. I am aware that " [ T ] he RESPA statute and regulations do not require the lender to maintain a cushion. However, since XX/XX/XXXX the RESPA statute has allowed lenders to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments. If state law or mortgage documents allow for a lesser amount, the lesser amount prevails. '' From what I have found through research, Oklahoma does not have any State RESPA laws in place in regards to having a mandatory 2 month cushion on escrow accounts. However, when I spoke with U.S. Bank in regards to removing my 2 month cushion, I was told by XXXX different representatives, on XX/XX/XXXX, that they are unable to remove my XXXX cushion due to the fact that I live in the state of Oklahoma. XXXX representative stated that it was due to the state law, and the next representative ( her supervisor ) stated that it was U.S. Bank 's internal policy that for mortgages in which properties reside in the state of Oklahoma require a 2 month ( XXXX ) cushion, and they will not remove this. She stated that it was not for all states, but they will not remove this on my account due to the fact that I live in the state of Oklahoma. I asked multiple times to speak to U.S. Bank 's Escrow Department, so that I could speak directly to someone that specializes with escrow, because I knew that there was not a state law requiring a 2 month cushion to be maintained on my escrow account, and I was told that I could not speak directly to their Escrow Department. I was also offered, that if I was unsatisfied with having to maintain a XXXX cushion, that I could always just cancel my escrow account and pay for my insurance and taxes on my own. I let the lady that I spoke know that she could not offer this to me, that I have a VA loan, and that she should not be offering me to cancel my escrow account, due to the fact that I have a government backed loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never been to this hospital or even city continued harassment at work and on personal cellphone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
( XXXX XXXX ) IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT THERE ARE A COUPLE ERRORS ON MY CREDIT REPORT WITH LATE PAYMENTS DURING XXXX, XXXX, XXXX AND XX/XX/2020 I WAS NOT LATE ON THESE PAYMENTS I ALSO HAVE A XXXX BALACE ( GM FINANCIAL ) HAS A 30 DAY LATE ON MY CREDIT PROFILE I HAVE NEVER MISSED A PAYMENT WITH THEM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company

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: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
US Bank at XXXX , branches are XXXX run by XXXX teller actions to discretionally deny service to customer and close their account. On XXXX, I commented on a Sr. Teller/ about her unwilling to answer a quick question which she may not know, yet got offended, she shut out the window to my face and told me " You do n't talk to me like that. ". Then she further boycott me with her cohorts in another close branch to deny my service. Three months later, I went to pay my credit card with cash and was denied service which caused credit card fee from {$27.00} to {$290.00}. Then the complaint was addressed to regional manager who " joined '' as cohort to close my checking account to XXXX customer. They acted more than " queen and king of the hill '' in manipulative, abusive conduct which I was more than shocked. I would advised ANYONE NOT TO DEAL with this crooked US BANK for your own protection. Do NOT empower this bank to damage our community and our life.

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 2016-10-08
Company: Creditors Specialty Service Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Creditor ( XXXX XXXX ) charging me for storage fees. I instructed tow driver to bring my car to the junk yard. He told me that a bill will be sent to my address. Six days later, i called in to ask if i can still get some of my things. To my surprise they informed me that i need to turn-in my title and i am charged for storage while title is not turned-in. I tried to explain no one have informed me, but they did not allow me and told they will place it to collection. I'am not aware about turning-in my title to them. If i knew it i should just turn it in on the very same night. They did not even called me or inform me, i just discovered it by accident since i need to get some of my things. It seems like if i have not called in, they will just keep on charging me storage. I 'm disputing the storage charges. I should not be charged. Proper information and explanation should have been initiated before any services have rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm filing a complaint against my bank BBVA compass I have two accounts for them one is a personal checking ending in XXXX and the other is a is a XXXX XXXX Trust which ends in XXXX they approved the trust agreement they're legal department prior to it being approved and it was approved to form on in XXXX of 2020 on I am on XXXX I received an ACH deposit on behalf of one of the beneficiaries of the trust there was no problem with the bank I did not receive any written notice of there being a problem I'm around XXXX I went into the bank to withdraw funds some funds and they told me my accounts were frozen and that I had to add a certain individual to my account which I told them that I did not want to do because according to the trust agreement I did not have to so they froze my personal checking account and the trust account and have sent me an all kinds of wild goose chases trying to get the account in Frozen they ended up closing the checking account and they say they're closing the trust account and sending the original aceh deposit back and meanwhile I'm being charged NSF fees for returned items for the original originator and their on their side they have blocked me out of all my mobile banking so I can't see what's going on and the bankers involved are XXXX XXXX and the person in fraud t investigations who stated they were freezing my account is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15 I authorized a mortgage payment over the phone to XXXX for {$650.00}. I had an electronic payment scheduled to them on XXXX/XXXX/15. Due to my mistake I thought I cancelled the electronic payment but it was n't cancelled. XXXX received XXXX mortgage payments from me and should have only received XXXX the phone authorization.I have been attempting to get the one for {$650.00} returned. On XXXX/XXXX/15 at XXXX central timeI faxed the information I was instructed to fax to a supervisor name XXXX. I was told to call Tuesday XXXX/XXXX/15 to checkthe status. As of XXXX/XXXX/15 I have yet been able to get a reply. I have called 3 times a day since XXXX refaxed the documents to XXXX XXXX/XXXX/15 XXXX On XXXX/XXXX/15 on my XXXX call of the day I was told they needed a letter from my bank stating the XXXX payments were paid and would not be returned by the bank for insufficient funds. The letter was faxed from the XXXX branch manager stating this and payment to XXXX was cleared and paid. This was faxed to XXXX at XXXX pm on XXXX/XXXX/15. I called 3 times today XXXX/XXXX/15 and each time all customer service did was continue to send emails to the supervisor on my behalf asking the status of the payment being returned to me.She does not respond and has n't since this ordeal started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
When the IRS sent KeyBank corp my stimulus payment, KeyBank instructed myself and others that any IRS stimulus payments would not be posted until XXXX on XX/XX/XXXX. KeyBank did not post my ACH stimulus deposit on XX/XX/XXXX, despite the IRS sending it to them. KeyBank can not give their customers proper answers as to when their stimulus checks will post, despite telling myself and multiple other customers that they would post on XX/XX/XXXX at XXXX XXXX. Furthermore, the IRS indicates that my payment was sent to Keybank and KeyBank has refused to post that deposit, but they have been posting numerous debits that are also dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
First BankCard ( XXXX XXXX issued Visa Credit Card ) emailed me my credit card statement for payment due on XXXX XXXX, 2016 of which i immediately as i always do send payment of {$230.00} ( above required payment ) through XXXX XXXX XXXX Billpay. The payment reached and was posted to First Bankcard on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received another emailed statement stating my payment had not been posted. I generated a payment history on my XXXX XXXX XXXX bill pay and shows my payment was indeed paid and posted to First Bankcard on XXXX/XXXX/2016. I received yet another emailed statement on XXXX/XXXX/2016 stating my payment due was doubled to {$460.00} and my prior payment had not been posted and the new payment was due XXXX/XXXX/2016. Now i am considered delinquent. I contacted First BankCard on XXXX/XXXX/2016 at XXXX am eastern time and explained they were misleading their cardholders. Is what they did is emailed me a statement on XXXX/XXXX/2016 with payment due date of XXXX/XXXX/2016 but make their statement cycle end date of XXXX/XXXX/2016. So when i made my payment and it posted on XXXX/XXXX/2016 First bankcard employee stating my payment was posted to principal for the prior month cycle before XXXX/XXXX/2016 ( XXXX/XXXX/2016 new cycle starting ). So now since i am thinking my payment was posted and not worried about it until the following month they did not post my payment to the new cycle causing me to believe it was paid and misleading their cardholders. That small time gap makes people think their payments are posted to the new billing cycle but are fooled when the cycle actually starts days later and the payment is posted hours or days earlier. I want any negative comments posted to my credit removed and i want First Bankcard to remove any notations of me paying my bills late within their system which could jeopardize my low fixed credit card interest rate with first bankcard. remove any late fees also to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Listen I do not know what's going on but I feel like I'm being take as a JOKE this is my second complaint. I will be pasting my complaint again .... " Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now XXXX a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment. '' The problem was fixed after my complaint and 2 days after that it went right back to saying I was 60+ delinquent! I XXXX  put in a dispute to my XXXX XXXX account after my complaint. I'm not disputing XXXX XXXX, I'm disputing XXXX. I'm disputing the INCORRECT 60+ delinquency. REMOVE IT AND KEEP IT OFF OF MY REPORT. I'VE BEEN GETTING DENIED BACK TO BACK BECAUSE OF THE COMPLETELY FALSE INFORMATION BEING REPORTED.

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 2022-03-22
Company: EQUIFAX, INC.
State: AR
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:
I am XXXX XXXX this statement with my proper identification and verifying my identity. I have enclose below the proof of violations done by Equifax in the attachments. 

CHECK ATTACHMENTS BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Tax lien for the state of Michigan. Account was paid more than 4-5 years ago. Equifax is still reporting it as paid recently. Information was sent to them a long time ago with no correction on my credit report. They 've had enough time to get correct information pertaining to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
Alleged Collection account : Under advice of counsel for litigation the following collection company did not provide proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXXXXXX {$1600.00}

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 2015-07-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been harassed and falsely accused by XXXX a wells fargo manager. I did not know she was working at this wells fargo bank on XXXX XXXX XXXX XXXX al XXXX. I was opening me a new account because my old account was hacked supposedly which is what they told me. But i ran into XXXX when i was trying to fix my new bank account. While i was in the bank XXXX police officers came in i did n't know what was going on but i know now. I received a harassing and threatening letter from " XXXX XXXX '' a security agent from wells fargo but i did n't receive a letter until after i made a complaint. I did n't even know my checking account was closed until XXXX/XXXX/2015 and I was n't going to get my social security money. I found out XXXX has once again falsely accused me of harassing her, when their is proof i did n't even bother her. If wells fargo or XXXX had any sense they would had looked at the security footage and i was n't even bothering XXXX XXXX, and she made a false police report which is a felony. Wells fargo believed her side of the story and for the record i did not know that anything was wrong until i called on XXXX/XXXX/2015. I 'm getting tired of XXXX falsely accusing me and everybody taking her side. This is why my new account was closed based on her demand that i was harassing her and this XXXX believes her side. I have legal grounds to sue XXXX XXXX and wells fargo for false accusation and harassment from XXXX and the closure of my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a prepaid PayPal Mastercard on XXXX for {$110.00} of which {$2.00} was the stores service fee. An additional {$4.00} was charged as PayPals monthly fee. This left a total available balance on the card of {$110.00} and this was confirmed with PayPal. On XXXX XXXX, 2022 I attempted an online purchase for the amount of {$100.00} and the card was declined. I called PayPal customer service and questioned why the card was declined even though there was more than enough and I was not given an answer, just the suggestion that I deposit more money on the account. I told the rep there was no way I was going to do that because the monthly fee had already been taken out four days prior. I then asked to get all my money back and this was refused. I hope people read this because this is blatant theft and this company gets away with it.

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 2022-03-22
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 3 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have done or have any business with ENHANCED RECOVERY CO or account # XXXX this item is fraudulently report on all my credit reports. I demand that this be removed from my account immediately as it is effecting my scores. I currently have phone service with XXXX so I have no idea why this is on my credit report. This account also isnt reported on all credit accounts.

Company response to consumer: Closed with explanation