BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I made a payment of XXXX to XXXX on XX/XX/2015 and Equifax says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Equifax continues to falsely report XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Equifax, I am attaching the results of XXXX investigation of my complaint with XXXX. XXXX conducted a proper, impartial reinvestigation of my dispute, and deleted the false information from my credit file. Equifax has failed to conduct a proper investigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, Equifax has violated the FCRA regulations, and should be penalized accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car was repossessed on XXXX XXXX, 2015 .I had made a payment via phone and the repossession company would not allow me to contact Infiniti to try to clarify this but took the car. Following discussion with Infiniti reinstatement department, I made an additional payment as they required on XXXX XXXX, 2015 which reinstated the loan. Because the car loan was in my husbands name, they stated that the car could only be released to him. XXXX In following future conversations they informed me that my husband could send them power of attorney. I downloaded a legal XXXX form and my husband faxed it .It had to be refaxed several times until it met the criteria for their legal dept. They would not advise us of the legal language they required, they would not allow us to speak to this legal dept. Each time there was 2-7 days between their receipt of the fax and response from the legal department. 
In the mean time without any notification to my husband, even though the loan had been reinstated, the car was moved out of state to auction. When I was finally able to determine that the legal dept had given permission for me to retrieve the car, I contacted XXXX XXXX XXXX and they said my car had been sent to auction. Finding out where the car was took another process, reaching them another process, XXXX XXXX informed me that my plate was no longer on the car and I could not pick up the car without a plate. No one knew where my plate was. I called Infiniti, they take no responsibility. Even though my loan had been reinstated, no one had put some " reference number " in the computer. At no time did anyone ask me for any reference number- my payment which was made via money gram was clearly recorded in their system. Their process is very malicious. I thought my husband had made a payment initially until I received a singular call from Infiniti XXXX on XXXX XXXX, 2015 and I made a payment on XXXX XXXX XXXX, 2015. Infiniti is not required to notify you of their intent to repossess, so you can rectify the problem. Their reinstatement department is very poor, they do not inform or explain or do anything to assist the customer. I explained to them several times that I have XXXX and XXXX so I am very ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
3 consecutive times I have tried to remedy this matter with Experian. 
I have discovered inaccurate information on my Credit Report. I am demanding that you stop reporting this incorrect information immediately, or I will be left with no choice but to file a complaint with the appropriate agencies. Your actions have caused me a denial of credit, I'm being charged higher interest rates and I'm receiving very unfavorable loan terms. I am very diligent in my book-keeping and records and I am sure that the following information is inaccurate : XXXX XXXX XXXX XXXX, XXXX XXXX, MD Inaccurate information, delete it immediately By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. Also, be sure to include the name and address of the Company or individuals who were directly contacted regarding this matter. 
Thank you for your prompt attention to this matter Thank you for your prompt attention to this matter. I apologize for being so upset ; however, your mistakes are causing me immense damages. 

see attached letters

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
Consumer complaint received 2016-09-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I began getting collection phone calls in XXXX 2016 on behalf of Ace Cash Express in which the collector would leave personal information such as bank info, ssn, etc on the voicemail. They also called references leaving voicemails with personal information and providing the references with personal information if they answered and disclosed that it was a debt. They also threatened that I would be arrested and that action should be taken now then the calls stopped. I began receiving calls again in XXXX 2016. The collection agent disclosed full name full social full routing and account number and full address without insuring that I was the correct consumer and before disclosing what the call was inregard to. After she provided all of my personal information she then decided to inform me that the call was in regards to Ace Cash Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased XXXX pre-paid Visa cards at XXXX at XXXX XXXX grocery store for the total of {$1000.00} for my family as gifts each card totaled {$250.00}, i have had numerous calls to Visa who knows the cards were compromised and where, i have had no help from them on this issue!!, I filed an XXXX XXXX dispute for {$250.00} on XXXX of the pre-paid cards and won, leaving a balance of {$750.00} they owe me, they sent me a replacement card with a balance of {$55.00} on it? ( still owe me {$190.00} on that XXXX ) then my sister was able to use hers for {$110.00} until it was compromised and a thief stole the rest of the funds, she was told that she won that dispute but they did not send a replacement card or any way to get the funds back, they owe me {$570.00} plus fax and other expenses thru this process, they expect me to be able to reach an associate at their phone # XXXX ( XXXX ) XXXX never returning my calls ( even though i 've faxed all per tenant information and included all info they request on the answering service ), it has been a total nightmare and their hiding behind the veil of a large corporation that offers NO help or resolution to this issue, i have a paper trail and all receipts pertaining to this transaction and have had NO help, i 've called numerous people and have NO resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Rewards

Complaint:
After I had paid the {$75.00} annual fee for my XXXX visa card ( issued by US Bank ), the benefits of the credit card were changed and severely devalued. XXXX of the key benefits of the card that convinced me to pay the annual fee was the fact that I would get XXXX free night at a XXXX hotel whenever I redeemed points for an award stay. However XXXX/US Bank abruptly ended this benefit and changed the terms of the halfway through my XXXX year of having the card without providing any compensation. If I had known that I would n't be receiving this benefit for the full year, I would not have applied for this card or paid the annual fee. When I contacted US Bank they falsely stated that customers had been informed of this impending change before the annual fee was charged ( we were not - customers were only notified in XXXX, after my annual fee was paid ), and they refused to refund the annual fee or reinstate the benefit. They offered only a very small compensation in the form of points, an offer that did not nearly compensate for the lost value of the benefit or the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I currently bank with XXXX XXXX XXXX ( which is an online bank ). I wanted to cash a XXXX XXXX money order ( NOTE : This was a MONEY ORDER - NOT a check ) and yet USBank would not cash it for me because I did not have an account with them! I then took the money order to XXXX XXXX and had them tell me the same thing, " we can not cash a XXXX XXXX money order ''. Even after I explained to them that a Money Order is as good as cash, as it has to be purchased WITH CASH! What on earth is happening in our society when we can not go into a banking institution and have a MONEY ORDER cashed without having to be a depositor of that banking institution! This is highly unacceptable and absurd! I demand to know why I should be discriminated against simply because I do not bank with these XXXX banking institutions! And, because I do most of my banking online, my online bank allows me to make deposits through the US Bank ATM, however, I found out that they will hold these funds for up to 24 to 48 hours before making them available to me, which is highly inconvenient! And the reason that I no longer bank with USBank and XXXX XXXX is because I was getting " fee 'd '' to death if I did not keep a 'minimum ' balance in my savings accounts. I am tired of being held between a rock and a hard place by the banking institutions! I should not be required to have a bank account in order to get a MONEY ORDER cashed, as this is absurdly ridiculous!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone has been impersonating me and stole my personal information and identity and open up a fraudulent U.S. Bank XXXX XXXX credit card account # : XXXX. This account is fraudulent and do not belong to me. I have attached supporting documentation which includes my incarceration date. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. Based on the documentation provided, I 'm not liable for the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-20
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The US Bank, XXXX XXXX XXXX, XXXX XXXX Nevada, failed to remove a Hard inquire found im my XXXX credit report on XXXX/XXXX/2015 after I signed a Credit Bureau Inquiry Removal in the US Bank logo letter which is a legal agreement for them to proceed in removing their Hard Inquire from my XXXX credit files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Used a US bank ATM several years ago, system allegedly detected that I made XXXX cash deposit transaction, only made XXXX deposit. Next day fraud alert on the us bank account, stated that I owed them funds. Opened up an investigation, ATM was no longer available. Investigation was closed out. US bank system sent a letter two days later stating I was in XXXX. Went to US bank they advised me of the negative balance ( that very same day ) told me that no check system error came up on there system. I have the letter from a bank representative that states I do not owe any balance or funds to us bank. XXXX still shows that I owe financial institution us bank. I have been unable to open up accounts and other financial services because of this issue.

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 2016-03-11
Company: Concord Servicing Corporation
State: SD
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:
For my Timeshare bill, the company does not send me a statement. I can not send my payment to the physical timeshare place ( in PA ) because they will not accept the payment. They use a service called Concord. Concord does NOT send me a statement for the amount but then sends me a collection notice and charges me an extra {$35.00} to take my payment. This has happened for the past 2 years. I ask for them to send me the statement or the copy of the statement and they never do. They also will not email me the statement. I feel this is a bait and switch. I want to make my payment, but they do not make it easy and I believe they intentionally send everyone to collections for the extra {$35.00} and late fees.

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 2016-01-29
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX XXXX we purchased a house through quickens loan. This company was unprofessional and could not seem to get our paperwork together and delayed the loan process to the point that we had almost lost the house we were trying to buy almost making us homeless. We finally got it worked out and closed on the very last day of the extension we had with the bank of the house we were buying. Then XXXX XXXX ( a year later ) I received a call from quickens loan stating my mortgage payment was not made. I make my payment through an accelerator program were they pull the payment right from my account so I know the payment was made. I have never missed or had a late payment on any house that I have bought. After several calls to quickens they did not seem to know why my payment jumped up XXXX dollars a month. I continued to get person after person and each one had a different reason as to why the payment went up. During this time I pulled my closing paperwork out to comparing the numbers and come to find out quickens used the assessed value of the house instead of the actual tax numbers that were supplied to them from the township tax assessor. In my closing package it did not have the assessed value paperwork it had the actual tax paperwork. When this was brought up to quickens they stated that they were aware of making some errors on our loan. And they way they offered to fix it was to remortgage our loan. I do n't think I should get charged again for their mistakes. Quickens falsified our numbers in order to close the deal with us knowing full well that it would come back on us. I believe they completely mislead us and caused us so many frustrating nights. XXXX XXXX XXXX we have remortgaged our house through another mortgage company. But I continue to get threatening phone calls from quickens stating they are going negatively affect out credit if we do n't make the XXXX extra payment even though their system shows that the balance will be paid in full. The new mortgage company contacted quickens and adjusted our new mortgage to cover all monies owed to quickens. Again quickens is aware of this but they are still threatening me on the phone.

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

Complaint:
RE : U.S. NATIONAL ASSOCIATION, AS TRUSTEE, ON BEHALF OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME EQUITY PASSTHROUGH CERTIFICATES, SERIES XXXX. Wrongful Foreclosure. Violation of California Homeowner Bill Of Rights, Violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ). False information filed under penalty of perjury on California Declaration Of Compliance dated XX/XX/2016 as part of the Notice Of Default. Specifically, homeowner, XXXX XXXX, received a phone call on her cell phone on XX/XX/2016 from a representative from XXXX XXXX XXXX. The representative inquired about homeowners plans for the property as payments were delinquent. The representative was advised that there had been a change in material and financial circumstances. That the co borrower spouse on the loan, XXXX XXXX, had been diagnosed with XXXX XXXX on XX/XX/2016 after having been ill but undiagnosed for one year. The XXXX representative was advised that XXXX XXXX 's illness had kept him from working full time in his small business and had caused a substantial drop in business income. The XXXX representative was advised that the homeowners needed a review for loan modification as the interest rate of 8.625 % was too high and made the mortgage payment too high. The XXXX representative advised the homeowner that a review for a loan modification was " not an option '' because a loan modification had been previously completed. It was not until I received a consultation with an attorney, that I learned that the bank and or assigned servicer were obligated by law to review for a loan modification if there had been a change in material or financial circumstances. The statements made by the XXXX representative discouraged the homeowner from pursuing a review for modification. The SPs Representative violated the homeowner 's rights by NOT fully exploring all the available options to avoid foreclosure. A California Declaration Of Compliance was filed XX/XX/2016 with the Notice Of Default, falsely stating that all options to avoid foreclosure had been explored with homeowner. My rights have been violated. My home is being sold without due process of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a Chase Bank customer since XXXX, in XXXX XXXX I was selling an item on XXXX and the buyer paid me with a certified check the check was written for more than what I was selling the item for, I questioned the buyer he told me the excess funds were for the shippers in order to send the item to him. I deposited the check in my account but something seemed strange as he kept messaging me to wire money to the address he provided. I immediately contacted Chase Bank 's fraud department on XXXX XXXX and told them of my concern regarding the check and the way the buyer was acting. The person at the fraud department told me I was the second person this week who was scammed by XXXX and they put a hold on the check I received a letter in the mail verifying this the phone call was also recorded and I also sent an email to XXXXXXXXXXXX as instructed by the Chase rep in the fraud department. On XXXX XXXX Chase released the funds into my account even though I warned them of the potentially fraud that this check posed. I then went to use my card on XXXX XXXX my card was declined I called Chase to ask what the issue was they told me my account was scheduled for closure but would n't tell me why. I then went into Chase to talk to a account specialist she proceeded to call Chase and they told her my account was restricted and under investigation for fraud as a result of the check that Chase put through that I told them I felt was fraudulent. My account was then scheduled for closure all my checks written ahead of that time were returned and debits as well causing me to incur fees with those parties as well as damage my reputation further, my scheduled deposits were frozen as well causing me to miss my mortgage payment as well. Chase then sent me a letter regarding the account closure and also threatened that they would report this have it put on my credit report and inform other banks so I ca n't open an account anywhere. I was a victim of fraud and alerted Chase to this they took it upon themselves to process this check into my account even after the fact how am I liable? Besides the threating letter the lack of communication at Chase bank is appalling, as there customer service and fraud department gave me a different excuse every time. I understand that the bank reserves the right as to how to handle accounts my only issue is that I do n't want this to affect my credit, reputation, or ability to open a bank account as I exercised integrity and was forthright in this whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: MNE Services, Inc
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I filed a complaint to the XXXX Dept of Justice approximately XXXX years ago against a payday loan company after they continued to draft money from my bank account long after my loan was paid. NC DOJ wrote a letter to this company advising that their loan was illegal in NC and ordered them to stop all contact to me. I also closed that bank account. They are now calling me and my children and family threatening me with coming to my work and saying they have a case against me. Even calling my XXXX daughter at school. I only have the many phone numbers they call from. The main one is listed first. XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation