BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-15
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted U.S. Bank the week of XX/XX/2016 to refinance a loan on a lot we have had with them for over 8 years. I had 2 months to do this since the loan was due to mature in full XX/XX/2016. The delays from U.S. Bank in returning my calls and my emails, delayed the process to the point that I am now in default on this loan. I am still in process of re-financing and U.S. Bank has now reported my payment as 30 days late when they wo n't even allow me to make a payment unless it is payment in full. I am in this situation due to the extensive delays in U.S. Bank 's response time to my numerous calls and emails. I started this in XX/XX/XXXX to avoid the exact situation I am now in and it took them until XX/XX/XXXX to submit my application. We have never missed a payment in 8 years and I have asked U.S. Bank to extend the default day from XX/XX/XXXX to XX/XX/XXXX and no one at U.S. Bank is willing to help. My loan officer simply said they can not help to extend the default date and gave me a general number to call. I have spent hours now on the phone with U.S. Bank trying to find someone to help me extend the default date just to XX/XX/XXXX and no one can or is willing to help. I am so frustrated as I was told to call U.S. Bank back about 2 months before the maturity date which I did, to start the process. I made it very clear to my loan officer I wanted to make sure this was complete before the maturity date and that I was concerned about getting it done in time. He assured me it would n't come to that but then they denied my re-finance application on XX/XX/XXXX! This now made it too late to get anything done before the default date of XX/XX/XXXX. No one at U.S. Bank seems to care except one Mortgage Supervisor in Minnesota who has spent time with me on the phone trying to help but does n't have the authority to extend the maturity date. I am still in process of re-financing this loan and have found a bank that is able to do so but U.S. Bank is still not willing to help in any way. I would like U.S. Bank to take the late payment off of my credit since this is due to their lack of responding to my many emails and calls that put us in this situation and I would like them to extend my default date to XX/XX/XXXX. They certainly are n't concerned about our situation or finding any other way to assist us. I am extremely disappointed in their customer service.

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 2016-10-27
Company: U.S. BANCORP
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
on XXXX/XXXX/2016 I received a email from a company claiming to be XXXX XXXX XXXX and they were to be loaning me {$5000.00}. 
It was to be a installment loan that I was to payback in monthly installments over a 10 month period. 

They loaned me no money and instead cleaned out my bank account of {$2000.00}. 

I have contacted the local police and the FBI and the company has disappeared. 

They also deposited a check in my bank account for {$1200.00} and forged my signature. 
I was n't aware that this check was deposited until my Bank US bank Informed me and said it was a ficitious check. 

US Bank has closed my account due to fraud which I understand but they also have tacked on at least {$100.00} in nsf fees and US Bank is wanting me to repay them the amount of the check along with the fees they included. 

This has caused me a great financial hardship. 
It is obvious that I have been scammed and do not have the funds to repay US Bank. 

They are threatening to take legal action against me. 

If there is any advice or help you can give me to get this resolved I would gladly accept. 

I am a XXXX XXXX old single woman. 

SIncerely ; XXXX XXXX XXXX my email address is XXXXXXXXXXXX my phone # is XXXX i do have documents to support these actions.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-21
Company: National Principal Group, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had told the original debtor we do n't owe that money and then I even included it in bankruptcy and they keep giving it to various debt collectors and I have told each of the debt collectors sue me and we go forward once I receive your lawsuit do n't threaten me or pretend to work for the government and arrest me. Today they called my neighbor who I do n't know and she came to my door and said this number is leaving a message for you saying they are taking legal actions against you and they will arrest you and I do n't even know our neighbor, not sure why they called her she has no connection to me except we live in the same building.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
US Bank has charged me overdraft fees when I was assured that they could not occur. I deposited money into my account before it was negative and it showed as deposit accepted before the charges came out of my account. However, I was charged an overdraft fee ( for the third time ) after I had called and told them to stop allowing it to charge me overdrafts and they assured me it would not. They have also charged me overdraft fees in the past when I had money in my savings account. It was suppose to connect to the account and transfer over so it did n't cause an overdraft. They instead charged me a ton of overdraft fees and then when I called waived them but used it toward my curtosey fees and now even though they should have never charged my account for overdrafts they once again charged it. I called the next day to find out why and they said the money was not in there in time. That is not true but despite if it was or was n't they stated twice and now three times that the overdraft protection was on and they would not charge me but wo n't refund me my overdraft fee. They are literally scammers when it comes to that. I have called there and they will assure me of certain things and then a month later I 'm hit with a fee or something does n't go through or they take my money and I have to wait 30 days for it. I know that my deposit was approved before the withdraw occurred and I was told it would not process if it had n't been because I had overdraft protection. They use to have a line of credit but they did away with it. HELP me get my overdraft fee corrected and have them do better business. I have been a loyal customer for over 11 years.

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 2015-12-28
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This XXXX refinance transaction is troubling. First of all, I specifically told the lender that I would like to refinance my payoff balance. Then I had a processor negotiating how much to refinance based off what I thought I owed US Bank. She first put {$94000.00} as I was n't sure. Then she put {$87000.00} when my payoff was around {$86000.00}. I do not understand. 

Another issue is that I had an escrow shortage of {$1100.00}, so I made an additional payment into escrow in the amount of {$1100.00}. I was advised last week by the processor that I would not need to bring any monies to closing. Then a closing manager contacted me on Friday telling me that I need to bring over {$1900.00} to closing. She also says my payoff has increased to over {$88000.00}. I do not understand. She told me that if I did n't agree, we would n't close until next year. I agreed as I would n't consent to this tactic. My loan officer was out of the office on XXXX XXXX. My closing was anticipated for XXXX XXXX. 

I find something unethical about this transaction. First of all, they waited until the last moment to drop the final number to pay. Why would I need to pay when I paid the escrow shortage? They also increased my interest rate from XXXX to 5 % to including my closing costs. I feel as if I 'm getting ripped off. 

The amount financed should not be negotiable. I 'm not requesting extra money. It seems as if the lender is trying to increase the amount finance and loan costs. 

Could you please investigate this transaction? I will attempt to obtain the documents I received last week showing the new numbers and the amount they are requiring. 

I also filed a complaint with the XXXX program requesting an investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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've been disputing an account on my Transunion report, as the balance is not being updated as it's being paid.

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 2016-12-06
Company: U.S. BANCORP
State: MI
Product: Credit card
Issue: Rewards

Complaint:
I opened a US Bank checking account with a promotional offer. The first promotional offer was to receive a {$150.00} bonus after completing " XXXX or more U.S. Bank Bill Pay transactions of at least {$25.00} each within 60 days of account opening. '' I did completed XXXX transactions and received the {$150.00} bonus within a few days after completing the bill pay transactions. The other offer was to receive a {$50.00} statement credit on a new credit card if you " make XXXX separate Net Purchases ( purchases minus credits and returns ) totaling at least {$25.00} each with your new consumer credit card no later than 60 days after your account is opened. '' I opened my credit card and completed the XXXX transactions over {$25.00} that posted on XX/XX/2016. Per the terms of the promotional offer, the {$50.00} statement credit was suppose to be applied with XXXX weeks after making the qualifying transactions. Consequently, I should have received the statement credit by XX/XX/2016. I did not receive it on my XX/XX/XXXX statement and contacted US Bank . I was assured by XXXX at US Bank that I had qualified for the statement credit and the {$50.00} statement credit would be on my XX/XX/XXXX statement. My XX/XX/2016 statement arrived and I did not receive the credit. I contacted XXXX and the general US Bank credit card customer service and they indicated that they are looking into it and could not provide a timeline when I actually receive the {$50.00} statement credit.

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 2015-07-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Heating service claimed they checked my furnace and that the heat exchanger was cracked. They tried to sell me a new furnace. My wife says the worker did not even open his tools and certainly was not there long enough to have checked the heat exchanger. 
When I re-checked the furnace, It took 5 minutes to find the exhaust outlet clogged with coke from the exhaust pipe.I discussed this with the heating company and got no satisfaction. The credit collector got the same explanation and very clear pictures. they never replied to my picture evidence. But filed this none payment. This is abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've been challenging the incorrect and incomplete items on my credit report withExperian for quite some time with minimum success. I 've sent out countless letters to them certified return receipt to only get responses like " New Information Below '' or " Suspicious Activity ''. As per section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) all data furnishers are required to produce the original signed documentation when challenged to solidify the accuracy and completeness of the alleged debt. Experian has failed to do so on many occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report and seen I had these hard inquiries which I did not apply for any credit cards or loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-03-23
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had my purse stolen in 2007. They never found the person responsible. I cancelled everything, credit cards, debit cards etc. My social security card was in this purse as well as my license. Several years later I was contacted by certified mail and told I needed to appear in court in XXXX maine. It stated I had a very large medical bill I had not paid. I called the lawyer representing the medical facility and explained it was not my bill. He took some information then and asked me if my identity had been stolen. I did n't think so, because there were no other things showing up. Since then there is a different name aka on my credit report and many, many accounts that are not mine. They are actually fairly good credit. My debt to income ration according to this report is extremely high. In actuality my debt to income is extremely low. I have tried to dispute this with XXXX. I even tried to go through XXXX XXXX. At this point the horse is out of the barn, so to speak, so XXXX XXXX does n't do me any good. I have read up on this and found that I have a crossed credit or something. They say it is the most difficult to fix. Any help you could give me would be wonderful. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: INTERFIRST MORTGAGE COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a {$3000.00} check to InterFirst Mortgage Company on XXXX/XXXX/16. They " claimed '' they did not receive it until XXXX/XXXX/16 ( six days after I mailed it from a distance that I could drive to in less than 6 hours ). They applied only {$2400.00}. They mailed the additional {$540.00} to XXXX XXXX, who had purchased the loan. It was not applied to the principal until XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: CASHCALL, INC.
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I am currently being harassed by email from XXXX loan companies. CashCallXXXX. They are threatening to sue/ garnish my check. I only applied for a loan with CashCall, paid the loan. Then CashCall said I still owe them XXXX dollars. I filed a complaint, they said they wrote it off on my credit report. These orther XXXX I have never applied for a loan nor have I received anything from them. I tried emailing them letting them know these are fraudulent, but no reply. Next I tried calling them at these numbers ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX not reachable. PLEASE PLEASE PLEASE HELP ME. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Peoples Financial Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/2016 I took out an auto loan with Peoples Financial Company at XXXX XXXX XXXX XXXX, XXXX Georgia, XXXX. I was told by the loan officer XXXX XXXX that they did not have an online payment system set up. I could email him each month with a credit card authorization form and he would credit my account. The due date was the XXXX of each month. I did this in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX the email was returned saying that XXXX XXXX email account with Peoples Finance was no longer valid. So I went and paid it in person for the XX/XX/XXXX and XX/XX/XXXX payment. In XX/XX/XXXX I went to their location to pay the loan off early thinking I had 5 payments left and a loan officer said I missed the XX/XX/XXXX payment and now had XXXX late fees amounting to XXXX. I said that I had not missed any payments or had been late. They said that the loan officer XXXX XXXX no longer worked there and they were not responsible for emails sent to him. I said that I was doing what their employee told me to do but they said they would not remove the late fees because he did not work there any longer. I tried to talk to the branch manager and he will not return my calls. Ive talked to 2 other people in that office and they tell me that it is my fault that I sent an email to their employee who no longer worked there and therefore missed the XX/XX/XXXX payment. I want my late fees reversed and do not want my credit report to show me as being late on this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01
Company: Professional Recovery Management
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Fox Collection did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief