BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: U.S. BANCORP
State: NJ
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
After paying off my boat loan with US Bank, they sent the title to the bank XXXX where the check was drawn from and not to me. 
Upon calling to find out where my title was I was told by their account rep ( XXXX ) that they were sorry and a new title would be ordered and sent to my address. A month later I called and spoke with ( XXXX ) who informed me that XXXX never ordered a new title and that it could not be ordered. 
I then spoke to a supervisor ( XXXX XXXX ) who stated they were sorry and I should go to the DMV with the lien release and obtain a new title through them. XXXX XXXX was unaware that I would have to pay for a new title through DMV and again all she could say was sorry. She also stated contrary to the second rep I spoke with that a duplicate title was sent to my address yet I received nothing in the mail. 
I received the new title at the DMV at a cost of {$60.00} payable by me and when calling XXXX XXXX back she has routed my home phone which is associated with the account to a general mail box, yet when I call from my cell I can get through to her voice mail. I 've left 3 messages ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and she wo n't return my calls to find out how I get reimbursed for their mistake. After much frustration I call XXXX ( Regional Supervisor ) and left a detailed message for her on XX/XX/XXXX and as of today XX/XX/XXXX I have not received a call back. The new title cost {$60.00}

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 monetary relief
Consumer complaint received 2015-09-22
Company: Merchants and Professional Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Merchant & Professional Collection Agency is reporting to XXXX that I owe {$690.00} to them from a debt they bought from the Original Creditor which was XXXX XXXX XXXX. That debt is way past the 7 years from date of last activity or payment to that account. I have disputed with XXXX, but XXXX keeps coming back that they " verified '' the debt. Upon repeated requests to Experian on " how they verified '', they will not prove how they verified, which is a blatant violation of the FCRA. The debt was mine, but it is way past the 7 year window that it is allowed by federal law to be reported on my credit bureau. I just want it off, not fair that I should be punished for this debt forever. I will take legal action if my complaint here does not get the item removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My US BANK home mortgage account is being reported inaccurately to credit reporting agencies and its impacting my loans and credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were going to refi with our mortgage company, they lied to us about charges, we cancelled. they said we would have NO charged repeatly. We have a {$30.00} charge that I 've called every month for 3 months now to get taken care of. They give me the run around, XXXX department says I have to talk to the other and vice versa, no one seems to know whats going on. Refi department says we will not have to pay it but customer service needs to fix it. customer service says we have to talk to refi. then we get the same run around. month after month I call and then get the same run around and the charge is still on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged approx XXXX overdraft fees, totaling roughly {$1500.00} I was not informed of this and was not given a chance to remedy, and want this money refunded. I was charged approx XXXX service fees, totaling roughly {$900.00} was not informed of this and was not given a chance to remedy, and want this money refunded. Customer Service refuses to work with me and has threatened additional fees if i close and give my business elsewhere. 

My goal is to get 100 % of my overdraft fees and 100 % service fees refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22
Company: Credit Bureau of Bessemer, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received communication from Credit Bureau of Bessemer demanding payment for a debt that is not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, I closed on a conventional fixed mortgage loan with Quicken Loan ( QL ). It was a debt consolidation loan. I had XXXX accounts for payment. Quicken Loan only paid off XXXX - my previous mortgage for {$71000.00}. The other XXXX creditors totaling {$73000.00} have not been paid. The accounts were XXXX ( CD ) - {$24000.00} ; XXXX XXXX ( CC ) - {$10000.00} ; XXXX XXXX XXXX XXXX ) - {$17000.00} ; XXXX XXXX XXXX XXXX ) - {$13000.00} ; XXXX - {$3200.00} ; XXXX XXXX - {$2100.00} ; XXXX XXXX - {$1500.00} and XXXX XXXX - {$340.00}. After numerous calls and QL emails the past five months, the XXXX creditors still have not been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
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: Information is missing that should be on the report

Complaint:
I have contacted XXXX who has directed me to Equifax and Equifax who keeps directing me back to XXXX. I am an authorized user on this account and it use to show on my Equifax but it seems they have removed the trade-in in correctly. I need it to put back on my Equifax report and am getting no where with anyone. Below is the beginning of the account number. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been paying on this mortgage for over XXXX years and owe more than the original purchase price. I was told that I refinanced XXXX years ago but I do not remember. 
I would like to fully examine the history of my payments so that I may understand why after XXXX years, and steady payments until I lost my job, this mortgage never goes down. 
I have now been offered by SPS to participate in a 3 month trial period to become eligible for assistance. The trial payment is about XXXX % of my monthly income. How is this helpful? With almost nothing left to live on, this only sets me up to lose my home. 
Further, a balloon mortgage has been offered to me as part of this program. I do not want and will not sign the papers. 
It all seems like a scam to me and a set up for me to lose my home. I will have to move out and rent it to keep it. SPS has not been helpful and has only offered because I complained. I would really like to be helped, and have my mortgage reflect the years I have paid. It 's as if I 've been a renter all these years. 
The way people are treated by mortgagers when they lose jobs or have their income reduces is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: BB&T CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
After my atuo loan provider contacted me at work I told them not to contact me at work again they threatened to make deductions to my pay and made me a offer of payment. The colecter demanded " when I will I be payed my money '' then threated that if paper work or payment was n't receaved by the end of the month that they will proceed with garnishment. Because I did n't know what my rights where I told them to email mail me the paper work. I also have receaved multiply phone calls in a day from this corperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello. I am a little late submitting this complaint but I want to log my experience so it never happens to anyone else. I was applying for a mortgage from US Bank this summer and had the most horrible experience. We were in the process of selling one home and buying another. US Bank pre-qualified me for {$360000.00} and then would not stand by their pre-qual letter when I attempted to buy a home for $ XXXX. I went through months of back and forth supplying documentation to support all of my income. At the end of the day, the denied the loan but I had already proceeded with a local state credit union because of the horrible customer service. The worst part was that US Bank intentionally appraised our home below market value by {$75000.00} to put us in a position where we had to pay mortgage insurance and they would not reimburse us for the poor appraisal. We even attempted to contest the appraisal. I will never recommend US Bank to anyone ever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution. Any proof you need I have up to and including my carbon copy of the check that I wrote them I have been making the same payment for 10 years plus no excuse for this fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: BB&T CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I logged onto my online account on XXXX XXXX to make a payment and the system blocked me. I tried to use Regional Acceptance 's IVR system and I was unable to make a car payment. I called the number listed on the screen when I got an error stayed on the phone line for an hour and then the called disconnected. I called the local office on XX/XX/XXXX. I spoke with XXXX in the XXXX, NC office he was a supervisor. He advised me that they blocked my ability to submit an online payment. I asked why he stated because they had no spoken to me, I advised him that I had not missed a payment on the account and paid online each month. I told him that by blocking my payment without cause he/his company refused my payment. I advised him that he can not report me as late to the credit bureau because I tried to pay by a method that Regional Acceptance Company allows. XXXX told me I was not past due on my account that I was 42 days past due and Regional Acceptance Corportaion does not report you as past due unless you are 60 days past due. I said that does not sound correct he assured me that it was and I would not be reported as late to the credit bureau. I told him I have a credit monitoring service and I would be notified if I was reported late to the bureaus. Today is XXXX XXXX, 2016 and I got a notification of a late payment.

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 2016-06-03
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2016 I signed the contract to buy a property from XXXX. I justifiably relied on QUICKEN LOANS representations that it would supply the XXXX realtor with the appropriate VA Amendatory Clause and escape clause. However, QUICKEN LOANS supplied the realtor of XXXX with a VA clause that is categorically false and without an escape clause. The QUICKEN LOANS clause includes language that is materially different than the Department of Veterans Affairs ( " VA '' ) requires, to wit in relevant part : "... UNLESS THE PURCHASER HAS BEEN GIVEN IN ACCORDANCE WITH HUD/FHA OR VA REQUIREMENTS A WRITTEN STATEMENT ISSUED BY THE FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF VETERANS AFFAIRS OR A DIRECT ENDORSEMENT LENDER, SETTING FORTH THE APPRAISED VALUE OF THE PROPERTY OF NOT LESS THAN [ the agreed upon purchase price ] ''. 
This language directly contradicts the language required by the VA in relevant part to wit : ".... if the contract purchase price or cost exceeds the reasonable value of the property established by the Department of Veterans Affairs. "

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing ( SPS ) is a predatory lender and will not allow me to refinance my home even with excellent credit. I should be able to get a modification or refinance my present loan and move to a fixed rate mortgage. SPS does everything it can to prevent people from modification or refinancing at a lower rate. Operators answering the phone insist they are not a mortgage company yet they hold mortgages on homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
We have been trying to close on our first home since XX/XX/XXXX. We have applied for a USDA loan. While going through the process we have given financial information, employment verification, letter of explanation for payments, and tax information to the mortgage company. We have had to get XXXX extensions on escrow. We are dealing with Paramount Residential Mortgage Group, Incorporated. Over this time, they have had us to re-send much of the information that we 've submitted during the beginning stages of the loan process. We remind them that we have sent the information, but they keep saying that it is for the underwriters. The claim is that the underwriters are trying to " dot every I and cross every T '' for the USDA loan. The problem is that the government has already approved the loan weeks ago, but we have yet to close on our home. We are also having issues with our mortgage agent, XXXX XXXX ; he does not return our calls when we inquire about what is holding up the loan process. This has been going on for several weeks. We are concerned that either they are losing our personal and financial information or that they are just holding up the process because they are getting some type of financial gain by holding up the sale of the house. As this process has gone on and on, I have seen the level of unprofessionalism increase to levels bordering on negligence.

Company response to consumer: Closed
Consumer complaint received 2016-09-22
Company: Integrated Recovery Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A third party debt collector, Integrated Services at phone number XXXX, has been attempting to collect a debt from an employee. They have repeatedly called the place of business even after the employee has requested they not call them at work. They are now leaving messages on the general voicemail for the company, as well as leaving messages with me ( HR ). I ( HR ) has asked them to not contact the employee at work, but refuse to listen. They are now threatening HR with arrest if I do not give the employee the messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
My wife and I wanted to close our home equity account. She went into the Wells Fargo branch to close the account and was instructed to call the Home Equity XXXX. We called the Home Equity XXXX and was instructed to send a letter to the Payoff Processing Dept with a {$400.00} prepayment fee. We were surprised as we had a zero balance on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My bank account by Wells Fargo bank is being rubbed over and over again, my complaints have been without a result this is been going on since XX/XX/2007. I have many letters of confirmation but no action. It has been costing me money as well as lots of other XXXX. I am almost certain that the XXXX employees of the bank are sabotaging my account. This is not a single case. The force behind it is " American XXXX congress " please take action

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 2017-01-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
See CFB case XXXX, this is twice they have closed this with the same resolution. unable to contact us, funny guys Wells Fargo, I now have close to 60 letters from them and get at a minimum 2 calls a week from them, so you just take what they say for their word. 
All of this in 6 months, they last claimed they have only been working this since XX/XX/XXXX and I have letters from XX/XX/XXXX and XX/XX/XXXX from them on file, they are liars and you Consumer Protection Agency are taking their side on this, look they have given the same resolution to this twice XXXX .... 


I can provide you a detailed log on Call 's received and letters received from Wells Fargo, this should be XXXX ... 

Reopen case ... if you want the proof ask me ...

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