BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: CATHAY BANK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CATHAY BANK MORTGAGE DEPARTMENT I had a mortgage serviced by XXXX that was bought out by Cathay Bank over a year ago and it has been an absolute nightmare. 

Firstly they ported over all of my information incorrectly and the app and website do not allow me to fix it. Secondly they do not have a phone number for their mortgage department so they are not helping customers with any mortgage related matters despite having the product. 

They have not given me my 1098 which they are obligated to do by law so that I can file my taxes and I have asked on numerous occasions that they provide it.

I have called over 10 times from XX/XX/2023 - XX/XX/2023. I have also messaged back and forth with the customer service on the mobile app from XX/XX/2023 - XX/XX/2023 and emailed the address they redirected me to after refusing to help me on XX/XX/2023 & XX/XX/2023. They told me I should get a response in 48 hours but no one has responded. 

They tell you to email this address : XXXX and someone will get back to you in 48 hours but this is not the case. 

The retail bank customer support says mortgages are a different department with no phone number and also refuse to help. It is absolutely ridiculous. 

Right now I am trying to figure out what other course of action I can take. They wont make my 1098 available online or email it to me. None of the contactable costumer service people are in the mortgage department so they say they have no authority to help me with anything.

One customer service rep said the mortgage department is in absolute chaos and not responding to anyones emails right now. This is completely unacceptable. What am I supposed to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
We had a lease with Hyundai Motor Finance ( HMF ) for a XXXX XXXX, due to mature on XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received an e-mail from HMF with an offer to have the last XXXX payments waived if we sign the lease for a new Hyundai. I triple checked the fine print and I saw that we were fully qualified. The program was supposed to end on XXXX XXXX, XXXX. We signed a new lease for a XXXX XXXX on XXXX XXXX, XXXX. In XXXX XXXX I got a letter from HMF stating that we owe them the 3 payments remaining from the XXXX, for a total of {$910.00}. ( So, even if I leased a new Huyndai, they asked payments for the old one ). Since then I called HMF 6 times. In  XXXX, XXXX ( from HMF ) stated that the program ended on XXXX XXXX and that is not their fault that I did n't know and that I still owe them the money. I did n't receive any e-mail with such information, nor the dealers told me anything when I signed the new lease. On the other hand, they told me that everything will be fine. On XXXX I spoke with a person named XXXX from HMF End-lease and she stated that if the dealership will ask them for an exception, then it will be approved and everything will be fine because the whole situation is absurd. It was n't, I do n't know if the dealer called or not, but on XXXX I saw late fees on my account. I called back on XXXX and this time XXXX promised me that she will personally escalate the situation and that she will call me back in 2-3 hours with a resolution. She also stated that there is no record from the dealership about any exception. 
I am attaching the original e-mail with Pull-ahead program AND the conversation I have with the general manager from the dealership ( it seems that when I signed the lease on XXXX, they were fully aware that the program was modified and that it had an early ending, but they did n't let us know ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15USC 1681.Equifax is XXXX by 15USC 1681and they have violated my rights numerous times! I demand that the accounts listed below be removed because according to 15USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. Also accordind to 15USC 1666a ( 2 ) of this title and such amount may not be reported as delinquent to any third party until the creditor has met the required of section 1666 of this chapter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is attempting to collect on a debt that is not mine and they are reporting to credit bureau an inaccurate reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently viewed a new copy of my credit report and Equifax is reporting public record tax lien XXXX on my credit report. This tax lien does not belong to me. This public record has never appeared on my credit report. I am already upset and bothered that my personal information was compromised due to the recent Equfiax breach. Now it seems that Equifax is in the habit of reporting public records that do not belong to me and these erroneous accounts are hurting my credit scores. 

According to the new rule set forth as of XXXX XXXX, 2017, all public records/tax liens must show verifying information. This tax lien XXXX does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Genesis FS Card Services, Inc.
State: IA
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, my rights were violated. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Consumer Collection Management. Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Did not recieve validation letter from CONSUMER COLLECTION XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. Via mail or electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX XXXX Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX  Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.

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 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I tried to login to the Bank of America app to find out that my account was locked. I spoke to multiple representatives on the phone and they all said that my funds would be mailed to me. No one was able to assist me on why my account was locked. I was told that it was a business decision and that my remaining funds in my account will be mailed to me. I need the funds from my account as soon as possible, so I need to be able to go to a branch and have my funds be pulled and brought to me right then and there. This whole process is very frustrating and irritating.

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 2020-10-05
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a call from Amerisave Mortgage after requesting rates from XXXX XXXX. XXXX XXXX eventually disclosed I would have to pay an upfront non refundable {$500.00} application fee. When I questioned him, he said it was an appraisal fee. I told him verbally and via text on XX/XX/2020 I did not want to proceed with the loan. To date, I have received a copy of a credit report I did not authorize him to run and numerous request for documents. I respond to his emails asking him to stop processing a lone for me. I also follow up with a phone call and leave a message. Today I received a call from my employer informing me Amerisave is trying to confirm my employment. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: NY
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:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2022-08-24
Company: Experian Information Solutions Inc.
State: FL
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:
I have disputed and attempted multiple times to remove the below incorrect personal information on my credit report. This below information does not belong to me and needs to be removed immediately with all inquiries and accounts that utilized this information. 


Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX Names : 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
Consumer complaint received 2017-09-26
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a line of Credit at Macy 's department stores. I had set up direct payment of the full balance every month from my checking account into the Macy 's department credit account to pay it off every month. I was not knowledgeable that I was also enrolled in the credit protection services provided by CITI bank. However, when I tried to use the services of this program and submitted the proper paperwork I was denied the benefits. I called many times to cancel the benefits, and yet they still appeared on my account.
The total experience I have had with this matter has resulted in me losing many deserved credit related opportunities, has cost me thousands of dollars in trying to fix this account, and no reprimand or understanding from either party. I still have a debt collected over my head and on my credit report that I constantly have to battle everyday since.

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 2022-09-30
Company: EQUIFAX, INC.
State: LA
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:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted PennyMac at XXXX am PT on XX/XX/XXXX and spoke with XXXX ( she refused to provide her last name or employee # ) inquiring about the full information of escrow account from XXXX. 

During the conversation, I realized that there was a discrepancy in the escrow payment information, I requested her to provide the most updated escrow information and mail to me. 

She said that I have no right to ask that service. She suggested me to go on their website and retrieve it from it. 

I had already checked before calling PennyMac - Their website doesn't provide the full history of escrow account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 am a victim of identity theft. My XXXX credit card account : XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent and unauthorized charges/transactions. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/2017.

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 2022-08-03
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a collection placed on my credit report by Diversified Consultants, XXXX. XXXX XXXX, XXXX, FL XXXX, phone ( XXXX ) XXXX. The collection is for {$43.00} on an account that does not belong to me that was apparently originated by XXXX for an unpaid cable television bill. I called and told Diversified that it was not my account and they said I would have to call XXXX. I called XXXX and they said I would have to get a police report and report it as identity theft. I cant make a police report if it is purely a XXXX mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
U.S. Bank offers a bonus for opening a new checking account but once the customer fulfilled the obligations of the promotion, no bonus was paid out. The account was opened in XX/XX/XXXX and over {$6000.00} was successfully direct deposited before 60 days. Attempts to resolve this with U.S. Bank representatives resulted in a ticket generated on XX/XX/XXXX but no additional response from the team since. Additional communication to support revealed ticket was not found on XX/XX/XXXX U.S. Bank is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : Enroll in online banking or the U.S. Bank Mobile App. 
Complete two or more direct deposits. 
The bonus you receive depends on the total of the direct deposits : - Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. 
- Earn {$500.00} when your direct deposits total {$6000.00} or more

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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 2017-09-26
Company: KEYCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Department of labor sent me a direct deposit. To my checking account keybank closed my account.i been trying to collect my balance for three months everytime i call keybank tells me that they dont have to talk to me.i just want my money.my account didnt have a negative balance .i dont understand i just want my money.

Company response to consumer: Closed with explanation