BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
HSBC refuses to confirm the date my account was opened. Per their terms, there is no early closure fee to close the account after 180 days. I opened my account ( opening deposit processed ) on XX/XX/XXXX. I should be able to close the account on XX/XX/XXXX with no fee, yet I am being told I can not close it without a fee until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
After issuing us an initial Closing Disclosure on XXXX/XXXX/2016, US Bank Home Mortgage increased our Cash to Close amount from {$13000.00} to {$14000.00} by issuing XXXX additional closing disclosures which increased the costs and fees that we needed to pay on the loan at close. It is importantly to note that NONE of these subsequent closing disclosures honored the required three business day review period before our closing date of XXXX XXXX. 

Their blatant disregard for the new Dodd-Frank regulations was apparent when I complained to our loan officer on the afternoon of the XXXX and then talked to his manager on the morning of the XXXX after an additional {$500.00} fee had been added the morning of the XXXX. During my call with his manager on the XXXX, I requested that they honor their original cash to close amount due to the three business day review period in the Dodd-Frank Act and they responded that if I did not provide the full cash to close amount from the second XXXX XXXX disclosure that they would not process our loan ( and thus my wife and I would be in breach of contract with the selling party ). Their deliberate coercion and bad faith in lending through the last-minute fees was obvious when I found that the final version of our closing disclosure decreased our total amount to close by {$53.00} because they had EXCEEDED the legal limit they could charge us in the previous closing disclosure. 

Also, this loan was begun long outside of their required 45-day processing period, had originally had a closing date in XXXX and the loan had left underwriting on the XXXX of XXXX. Thus, there is no defense or excuse possible for violating the three day review period requirement. Instead, it appears to have been done entirely based out of either gross negligence on the part of US Bank Home Mortgage or a calculated approach to take more money from their customers. 

Through the attached e-mails and closing disclosures, it is CLEAR that the regulations were NOT followed and left my wife and I in a situation where we had to either pay the increased amount or be in breach of contract and risk a lawsuit of close to XXXX dollars. This caused us great distress and anxiety and thus we are filing this compliant to ensure not only justice for ourselves but more importantly for all of the other people who have also fallen victim to US Bank Home Mortgage 's gross negligence and belligerence.

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 2015-07-23
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector NCC Business XXXX has been calling for months. My wife and I are not aware of any past due debts. Having been alerted to this company 's harassing techniques by numerous posts on XXXX, for months I did not answer their calls. Finally I answered and said that we do not have any past due debts, and asked them not to call again. I do not know if anyone was on the other end of the phone to hear and log my request. The calls have continued and I do not answer. Today, XXXX XXXX, 2015, XXXX., I received a call from this number, this time leaving a message. The message said, " We have an important call from NCC. This is a debt collector. Please call ( XXXX ) XXXX. Thank you. '' What I find interesting is that the message is recorded and calls neither me nor my wife by name, nor does it reveal the nature of the debt. From numerous XXXX posts, when others return the call, the representative insists on the caller revealing personal information, including Social Security number, before discussing the nature of the debt. Based on this shady technique, I will not be calling this number because I will not reveal such personal information to what I believe are cold-call debt collectors phishing for information. I have received no letter nor bill from any creditor that indicates either my wife or I are in arrears on any debt. I consider these calls to be phishing and harassing and ask that you help me put an end to these calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX/XXXX/XXXX I down loaded the form for a free credit report, and supplied complete information and documentation on XXXX/XXXX/XXXX. 
This was mailed to Equifax on that date. 
I received a form letter dated XXXX/XXXX/XXXX, of XXXX pages with a research request form, no credit report included. 
On XXXX/XXXX/XXXX I received a form letter stating that I have received a free credit report from Equifax within the last twelve months. 
I had never requested nor received a credit report from Equifax prior to this XXXX. 
On XXXX/XXXX/XXXX after receiving the above, I called the dispute number, and spoke with XXXX providing the needed security information and, stating the lack of receiving the requested free credit report. 
She told me she would send out a complementary report even though their file shows XXXX was supplied per my request, that I would receive it in XXXX twelve days. 
XXXX then gave me another confirmation number. 
I received another " copy '', dated XXXX/XXXX/XXXX, this being the same form letters as the the first and second sets, with the " new '' confirmation numbers, as supplied by XXXX. 
On XXXX/XXXX/XXXX I called the dispute line and spoke with XXXX. 
His response was that he would immediately sign me up on line for a monthly fee so that I could look it up anytime. I declined. 
I now waited for approximately sixty days for credit report. 
Would appreciate some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/XXXX I sent a dispute letter to Equifax because I notice some negative information that is not correctly reporting on my credit file. Equifax responded by deleting the incorrect accounts and adding another negative account which is a Judgement. I went to the courts to get some information about this Judgement and the courts informed me that they do n't report to the credit bureaus so they do n't know where Equifax gets this information from. 
I sent a certified letter to Equifax XX/XX/XXXX to dispute the judgement and Equifax responded stating that their investigation is complete and the judgement is reporting correctly. I sent another certified letter to Equifax XX/XX/XXXX asking them to send the name, address and phone number of who they communicated with and a copy of the documentation they gathered that allowed them to come to the decision that whatever they are reporting is accurate. They Ignored me, I did not receive a response. So I sent another letter XX/XX/XXXX and still I did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
follow the steps to get my free credit report from Equifax and as I was about shoes right down the confirmation number and do my report lost connection I was not able to retrieve information have no way of getting my information at this point and make my report so can someone tell me how I can retrieve my report after losing the information on the site retrieving

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is an inquiry being reported on my equifax credit report from XXXX XXXX on XXXX/XXXX/XXXX and Ive had the account opened since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My Bank ( HSBC ) constantly shuts off my credit card without any notice, after making a " large '' payment. Large to them is around {$200.00}, which is not large to me. I make payments in this amount often, and to the same vendors. I understand if it has to do with Fraud Protection, but it doesnt. Usually when there is a case of Fraud on my card where a large purchase ( always more than {$500.00} ) is made to a strange vendor, HSBC calls me and notifies me as they have placed a hold on my card. But in this incident, they have turned off my card without any notice and it was unpleasantly declined. I do not appreciate HSBC turning off my card or funds WITHOUT notifying me. It is wrong and inconvenient. Especially when it is an amount that i always pay to the same vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX and XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my basic training and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began a refinance process of my current mortgage back in XXXX of 2016 at that time the current rates were XXXX percent on a 30 yr fixed rate VA loan. There was a previous problem with the posting of my payments which I did not find out until I started my refinance process. I am now completeing my refinance and the current interest rates are XXXX. I believe that since the mortgage company has caused me to delay my mortgage process because of their mistake which took them over 8 months to correct it has cost me in my refinance. I would like for Setarus to pay the current mortgage company the difference to buy down my current rate to XXXX from XXXX. Or they can pay me the difference in the total payments for the next 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to Equifax for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. Equifax has repeatedly said they verified this information was correct with XXXX ... BUT THEY HAVE MY BANKRUPTCY PAPERWORK AND KNOW XXXX COULD NOT BE REPORTING EVEN IF IT WAS CORRECT, WHICH IT IS NOT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: TFS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
THIRD FEDERAL SAVINGS & LOAN IS SERVICING THE SOLAR PANEL LOAN. I WAS TOLD THE SOLAR PANELS WOULD BE PAID THROUGH MY LOAN, WHICH IS NOT THE CASE. I WANT TO PAY THE LOAN OFF AND HAVE ASKED FOR THE PAYOFF DEMAND NUMEROUS TIMES. SINCE I WAS UNABLE TO OBTAIN A PAYOFF DEMAND FROM MY LENDER DIRECTLY I ASKED FOR ASSISTANCE FROM THE THIRD PARTY REFINANCING MY HOME TO PAY THIS LOAN OFF. MY THIRD PARTY IS GOING THROUGH THE SAME THING I WENT THROUGH AND THAT IS THAT THE SERVICER IS REFUSING TO SEND OR PROVIDE US WITH THE PAYOFF AMOUNT. I HAVE ASKED FOR THE PAYOFF DEMAND TO BE SENT TO ME VIA US MAIL, FAX AND EMAIL AND NONE OF THESE METHODS HAS WORKED FOR THE LENDER AS I AM YET TO RECEIVE MY PAYOFF DEMAND. 
THEY PLACED A SALE DATE OF XX/XX/2022 AND ARE AWARE I HAVE THE LOAN APPROVED AND SIMPLY NEED A PAYOFF DEMAND. MY RIGHTS AS A HOMEOWNER ARE BEING VIOLATED. ATTACHED IS PROOF WE HAVE ASKED FOR PAYOFF DEMANDS AND CONTINUE TO WAIT FOR THE DEMANDS. THE PAYOFF DEMANDS HAVE BEEN REQUESTED IN WRITING AND NOTHING HAS BEEN PROVIDED AS OF YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX account # XXXX The late dates are an inaccurate representation of my billing history with this company. They did not deliver my furniture as specified. I have a long history going back and forth ; it took them more than 90 days to complete delivery of the goods purchased. During which time they were accuring billing and late fees. However, until they delivered my furniture as agreed, they should have begun billing me. I began paying them when I recieved my furniture order in full.They are claiming I 'm late and reporting dates are inaccurately. I paid them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they also began billing me before delivering my products undamaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX. There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In XXXX of my uploaded documents, Americollect claims that I mailed them some sort of document in XXXX and in XXXX of this year. This is false. I disputed this debt with the credit reporting bureau 's previously this year. I disputed out online and each time I never received results, or any type of document to prove this is my debt. That is why I physically drafted my own debt validation letter and mailed it to Americollect because I 'm tired of being taken advantage of. Also in the Americollect response letter I uploaded, they ignore my resolution. I feel they do not get a XXXX chance to to validate this debt. I gave them XXXX chances already this year, and I was ignored. I 'm trying to take the responsible approach to handle this debt, and they are treating me unfairly. They as a company need to respond in a timely fashion to my debt validation requests, not when they feel like it, or when I have their attention with this complaint in fear of legal responses. Also, they state they mailed me documents in response to letters I allegedly sent them earlier this year. This statement is false. I never received anything. Please show me XXXX slips that I signed and received they 're letters? If you ca n't furnish such proof then I 'm not sure what to tell you. But I think it is a lie to cover up something. Please delete the reporting of this debt from the reporting bureau 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rent Recovery Solutions has been showing duplicate collection items on my credit report and will not remove the duplication. I have filed disputes with all credit bureaus and Rent Recovery continues to state the debts are valid. I have never received any statement from this company as to the debt owed and can only say that I did live in XXXX XXXX XXXX at one time and rented XXXX unit. There is absolutely no way that there should be XXXX identical items on my credit report and there should at least be some communication in writing showing what the debt is. This appears to be a very shady company, but I want the duplicate item in my credit reports cleared immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I thought I was on U.S. Government Site. The Company 's name is XXXX. It was advertised as free. Now I 'm worried. I gave them personal information. After the information they asked for a fee wanting my credit card number. The original site I went to was U.S. Government 's Official Web Portal USA.gov. Then I was switched to a company called XXXX. I sent them an E-mail explaining on what happened to FREE? I have n't received a response yet. 

SincerelyXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
no contract or signature verified by this collector.

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 2015-11-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Despite sending 3 letters to Experian credit reporting agency along with multiple legal documentation discrediting the incorrect reporting on my credit report, they did nothing! In fact, even the statement I asked them to place to place on the credit report was truncated to XXXX sentence which was not even written by me. I tried contacting both Experian and XXXX without success over the past 6 months. The Experian number only allows one to order reports and there is no option to speak to a representative. The XXXX number does not even work. A credit reporting agency should know that an account can not be charged off more than once and yet despite supplying them with legal documentation they continue to report XXXX charge offs. There was no loan with XXXX XXXX that was charged off in XXXX 2014 and XXXX 2014! A charge off can only happen once to one loan/account. Moreover, when I requested a description of how Experian processed the dispute, I received another credit report without any description or justification for the incorrect reporting. Not only did Experian disregarded my requests to include a statement in the credit report, they made no effort to correct the erroneous and damaging information they continue to disseminate while the other credit reporting agencies are reporting the account correctly ( please see attached ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation