BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-11
Company: U.S. BANCORP
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint concerns a mortgage loan issued by US Bank. The mortgaged property was sold on XX/XX/2016. The annual real property tax due on the house, approximately XXXX, was paid twice at settlement. The standard procedure in cases of this kind is for XXXX County in Maryland to refund half of the overpaid tax to the settlement agent for seller for remittance to the taxpayer, and half ( approximately {$10000.00} ) to the mortgage banker, in this case US Bank, for remittance to the taxpayer ( I.e., the mortgagor of the property ) XXXX County duly refunded the overpayment. The settlement agent has refunded {$10000.00} to me. On XX/XX/2016, XXXX County refunded {$850000.00} to XXXX, lenders'agent for the payment of real property taxes on mortgaged property. This sum inicluded many refunds, including the {$10000.00} due me. Notwithstanding the receipt of the refund over three months ago, US Bank has not repaid the tax refund to its proper owner. 
It thus appears that US Bank is exploiting its position as mortgage lender to unlawfully appropriate, and use interest-free, funds that belong to consumers with which it deals. Considering that my tax refund was one of numerous tax refunds paid on XX/XX/XXXX, US Bank may be engaged in the general practice of misappropriating consumer funds.

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 2015-12-21
Company: Exeter Finance Corp.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made my XXXX payment to Exeter Finance Corp by check and it was not credited to my account. I have faxed and emailed a copy of the check that cleared my bank weeks ago and they are still calling me 4 -5 times per day for the payment and are threatening to repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was checking my credit report last night and noticed it had dropped XXXXpoints and there was a collection account listed. I looked at the collector 's name and called today. I informed them that I never received any type of communication regarding this debt. The man I spoke to who 's name is " XXXX '' told me they sent out notices to an unknown address. I related to him that I live at a different address. He then told me there was nothing I could do but send dispute letters to the credit bureaus. I told him they have hurt my stellar credit rating and I am in the process of buying home. He then told me the debt was for XXXX -- that is right XXXX. The agent then hung up on me. I called back to get his name and they put me on a very long hold and hung up. I called again and was finally able to get his name. I have sent them a debt validation letter and they have not responded to that request. I looked the company up on XXXX and they have the worst reputation. They are ATG Credit LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Pinnacle Credit Services , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX mailed me a fraudulent XXXX Tax Document which is bogus as I have never contracted with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing requesting an investigation into the issues surrounding the series of delays and lack of cooperation regarding my appeal for a loan modification with my lender US Bank. I obtained a mortgage in 2009 with downpayment assistance from Tennessee Housing Authority. The property taxes increased XXXX % from what I was told from the closing attorney and title company. As a result of this, the payment increased drastically and I began to struggle making the payments. I sought help via a HUD counseling agency after a representative from US Bank said that I needed to be delinquent in making payments to initially qualify for a loan mod. I stopped making payments and took the advise of US Bank and engaged a housing counselor. After several months of working with the counselor and providing numerous documents as requested, I was told that US Bank could n't approve a loan modification SOLELY because Tennessee Housing Authority was refusing to cooperate due to their presence on the mortgage via the XXXX lien because of the down payment assistance. It has know been over 12 months and no one can tell me why I am being prevented from mortgage assistance that I clearly qualify for based on my sole income being retirement income. I need help and most recently was told over the phoe on XX/XX/XXXX that I no longer qualify because I 'm over 12 months delinquent. First of all, I became delinquent at the advise of US Bank! I believe the position that is being taken is gross negligence and I need immediate help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: D&A Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number calls my home every morning at exactly XXXX The caller id does not ID them and then they hang up. Research on the internet determined they are id scammers who call to collect very old and often non existent debt. Other than hang up phone calls I have had no other contact attempts made to me by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: U.S. BANCORP
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have made several attempts to resolve my debt with US Bank without success. The phone number that is listed XXXX is not is service and I can not get a good contact # to discuss my charged off account. I would like to discuss settling the debt and would like to have someone from US Bank contact me. 
My social is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: XOOM CORPORATION
State: IA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Someone apparently got into our computer and was able to find out the passwords to our checking account and use the information to try to transfer money to someone else in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My husband was working for XXXX for 10 years until XX/XX/2016 they closed all their camposes I tried keep your home California and I 've got approved they asked me for mortgage statement and because SLS refuse to send me monthly statement therefore I could n't provide them with proper document they could n't further help me and that was SLS Fault. 
Now the mortgage servicer sent me a foreclosure Notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Comerica
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX I was unable to access the funds on my credit card issued by This was n't the first time this has happened to me. 

Several times I attempted to gain some assistance from the credit card company issuing me the card. On every attempt either the website was not available, or the phone. The phone number listed for Customer Services is a recording and never answered by a human. If it is n't busy the recording invited me to call back later. 

I was advised by the FDIC to call the bank, Comerica. I did and I spoke with a man who told me that the banks participation is only because the bank provided the plastic for the card even though the bank is listed prominently on the face of the card. The funds, I was told, are not insured. 

I immediately requested to speak with a supervisor who gave me the number for corporate affairs who she said handled such questions. The question I had was : is the bank affiliated financially with Direct Express. 

My complaint is my money safe, why ca n't I speak about my concerns, and is there a financial relationship between the card company and the bank? 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I would like someone at my bank to investigate several transactions with a company by the name of XXXX aka XXXX. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to {$30000.00} for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with XXXX and a loan with an independent company at horrendous terms. As far as I can see transactions that were on this account were : XXXX/XXXX/XXXX {$10000.00} ( via XXXX charges {$9900.00} ans {$10.00} ) XXXX/XXXX/XXXX {$3500.00} XXXX/XXXX/XXXX {$1400.00} I was unable to open a dispute with my bank because of the transaction dates but I really feel that this needs to be further investigated. This company has yet to finish or render the services I paid {$14000.00} for.

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 2015-12-15
Company: National Principal Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received XXXX rude and obnoxious voice mails from a Company named National Principal Groups. They are actually yelling on the message stating they are looking for a Party who does not reside at my household. They state they are skip tracing and have the right to contact any phone numbers that are listed on file, and that they request a call back even if I do not have any information. I have called back after the XXXX voice mail received and left a message stating not to call my phone number again. I received another voice mail today and I called them back stating again, not to contact this phone number and they still asked for information on a party they are looking for. They have called XXXX, XXXX, and now XXXX. No one in my household owes any outstanding collection/debt and do not appreciate this company contacting our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Other

Complaint:
Members of XXXX XXXX XXXX encountered fraudulent advertising and misrepresentation regarding our stay at an Apartment ( which was advertised as such ) which was unclean, lacked the proper facilities advertised, lacked proper ventilation and safety features for XXXX ( all of us ). The owner ( who actually lived there ) refused to refund our money after we saw the accommodations, was indignant and never returned our phone calls or requests for a refund via certified letter. His personal cleaning, clothing, maintenance, and garbage was left inside the premises. Pictures included tell the story as well as other complaints on line. He continues to jump from one hotel website to another after receiving complaints. 
We are complaining due to the fact that no response has yet been received as to USBank findings were.Tthey refused to investigate any further or contact the owner of the property for verification of our complaint, yet all contact information has been afforded them. Our money was refunded immediately after filing the dispute with the Branch office in XXXX XXXX, the end of XXXX, then we see that the amount was deducted out of our business account with no further contact or attempts to receive more information from USBank in XXXX, ND. Customer service puts the blame on us as Seniors for staying there with no action done on their part to resolve this dispute whatsoever. We had no where else to go since we were XXXX miles from home, this is a peak season in XXXX and better hotels were all booked up. As XXXX as well as XXXX Officials of a Non-profit XXXX XXXX we feel that we have been mishandled and taken advantage on both sides in regards to our own funds and membership donations..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NY
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 have a loan with XXXX  I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 

XXXX XXXX XXXX XXXX : {$7800.00}

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 2015-09-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did a refi/streamline on my home loan in XXXX, received my payment coupon for XXXX which said 0 due and I will attach this, when I received my payment coupon for XXXX it said that I missed my XXXX payment and now owed a double payment, I called the company and faxed in the payment coupon they had sent me, I also texted my loan officer, they called me a couple of days later and apologized but that that coupon was for the previous loan and not the new one and they were sorry that I did n't get the correct coupon but that the XXXX payment was still showing late and that they could n't change it and that I still owe the double payment, this is affecting my credit and is not fair to me the consumer, the lady from Carrington apologized and said she felt bad but that there was nothing she could do. I followed their payment coupon and now I am being penalized for their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent money to my mother in XXXX, and both times I did they cancelled the transaction, it did n't take to up to seven days for me to get my refund. The 2nd time I sent money the same thing happened and they needed the money to buy the bus ticket. I was mad I asked to speak to a supervisor and she said she was going to expedite the refund so it could take up to 2 days to be refunded. It has been 2 days and I am barely getting an email saying that " Western Union has received a request to cancel my money transfer : when it was them who cancelled my money transfer. Western Union is not good at all and when you want to speak to someone in regards to what happened all they say is for security purposes we do not have the reason. Just like we know they are all following a script. Western Union should change their ways soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Thaxton Investment Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have requested they not contact my supervisor or contact me at work and they continue to do so. They have contacted my supervisor twice and call my direct line repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have contacted my servicer multiple times asking for information about my contract, verification of amounts which have been paid and balances but they do not respond with the requested information. They send me letters back stating they are servicers of my federal student loans and ask again what information I 'm looking for even when it is clearly noted in the multiple letters sent my certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am XXXX currently under XXXX student visa and under XXXX insurance and I have some financial issues which I really need help for in order to be recovered. I go to gwu school of law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MI
Product: Payday loan
Issue: Can't contact lender

Complaint:
Global Client Solutions is claiming they are going to contact my work, garnish my wages and file check fraud for a loan that I have no knowledge of. When I asked for proof they said unfortunately it 's too late and they are not the originator of the loan and if I did not pay them they would move forward with charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Retail Recovery Service N. J., Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After disputing this unlawful judgement on my credit report with XXXX to no avail. I 've sent numerous letters of debt validation to Retail Recovery Services, Inc of New Jersey and their attorney to no avail. All letters was sent certified mail to both parties with only their attorney sending the return receipt back once. This alleged debt is not a valid debt and I want it removed from my credit report. This collection agency put in a judgement against me without any valid documentation to begin with and it harmed my credit report! I am looking into suing this company if they do not validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Loan Payoff : Wells Fargo Bank loan was originally a XXXX Loan. XXXX received a loan for {$360000.00}. The loan was meant to pay off my existing first deed of Trust which was for {$170000.00} recorded XXXX. This {$170000.00} loan was never paid off, and still remains on the house. The house has been upside down since the initial refinancing of the house. Wells Fargo refuses to correct this error. 
Subordination : Wells Fargo has subordinated these two loans, putting the larger {$320000.00} ( Recorded XXXX ) one in first position, without paying off the smaller {$170000.00} Loan. ( recorded XXXX XXXX Thus the house was always upside down Duel Tracking : According to the California Homeowners Bill of Rights, they can not file a notice of sale until after the loan modification process is completed. The sale date has been set for XX/XX/XXXX. This sale date was set during the loan modification process as well as the resolution. 
Payoff larger loan : ( which was always in second position ) Wells Fargo has not satisfied my requests. I wish to stay in the home and modify payments.

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 2016-05-24
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
Discover Card I purchased by Phone, New Items {$850.00}, paid in full by the discover card account. 
Merchant is XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I called to arrange pick up of the merchandise XXXX 2016. Store owner told me items had been resold and were no longer in inventory. 
I contacted Discover Card with that information to obtain my refund as store owner was not cooperative. 
Discover Card was not cooperative. A store owner can not collect XXXX for the same items. Florida Statute XXXX CH XXXX requires notice certified signed mail to alter ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: DISCOVER BANK
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for an installment loan through discover bank. My credit worthiness was the reason for the denial of the loan. I have credit over XXXX and have even been mailed approval letters from Discover as well. I am disputing the fact that discover has denied my installment loan and would like a further explanation in their approval process as it is misleading in their advertisements.

Company response to consumer: Closed with explanation