BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-23
Company: National Enterprise Systems, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past 3 months every few days we receive XXXX to 4 phone calls starting around XXXX. When I answer the calls no one speaks then after XXXX to 17 sec it goes into a busy signal. Finally, I called the number. When I spoke to someone they asked for my adult daughter who has n't lived here in 5 years. I said she does n't live here and the women hung up. My husband gets home from work at XXXX. Every time the phone rings it wakes him up. Calling our home at XXXX would be like calling someone a XXXX every 2 days ... It is almost as if the goal is to harass since they have never spoken to us!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am only within 10 days late of my auto loan and I have been harassed non-stop every day. I receive calls at least four times a day, every day. I will never accept an autoloan with them again

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 2015-11-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
MY NAME IS XXXX XXXX, XXXX EXECUTOR FOR THE ESTATE OF XXXX XXXX # XXXX wells fargo servicer has repeatedly stone walled any attempts by me to access their policies and programs related to regulation z dodd frank successor- in-interest. I am the heir and successor-in-interest to property left to me by my mother. I have contacted wells fargo numerous times about being placed on the mortgage loan and allowed to make payments they have continued to try and force me to do a modification, refinance or assumption. i have provided them with documents from the CFPB that explains the successor-in-interest, they have ignored this information and continue to try to subject me XXXX.. I am asking CFPB to demand/command wells fargo explain why they say these policy and procedures dont exist.They have caused a significant financial burden and lost of time trying to deal with a organization that intends to wait me out and foreclose on this property. My complaint is simply that wells fargo is using lies and deception to steal my property. refuses to acknowledge regulation z/ successor-in-interest XXXX rules regulation as of XXXX/XXXX/2014 says there are no procedures for anything from the CFPB, SAYS THEIR LEGAL DEPARTMENT has no such knowledge of any federal legislation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2015-12-10
Company: Servatus Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Excessive calling after asking not to contact me under any circumstances. Speaking aggresive of other inquiries and information on my credit report. Excessively pulling inquiries without my authorization XXXX a week and every other day. Talking over me being very unprofessional and then hung up on me while I was talking. This is messing with my health and agitation of the pre-existing health problems I endureXXXX to the point of cancelling the doctor appointments I had scheduled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My job ran a credit report that included my date of birth and it brings up someone with same name. This person was convicted of " delivery of XXXX " in 1998. I just got XXXX so because of similar last names, I now have no job. If they run my social security number they will see that this person is NOT me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
My wife and I applied for a home equity loan at USBANK and the process started off with the standard disclosures. The process seemed to start off fine with what was requested, but after a while the online secured portal system was not very clear. I was transferred to a couple different processors and main items were request multiple times. I was told thru the process my financials look fine and the appraisal was order on our home. Overall this process has taken 48 days and now they are declining our loan based on my income. My income according to another financial institution is fine and I will be closing a HELOC with that Bank which only took 10 days to process the application and are ready to close. I feel USBANK wasted our time and negatively impacted our credit score by pulling our credit with no commitment to see our application to the finish line. I have all the various email correspondence and screen shots of the application portal. US Bank has yet to return my phone calls and go over the underwriting which they have incorrect. I requested specific reasoning and they have yet to share it with me and my wife in detail. I am also trying to download my disclosure from the application portal, but they have limited the access for me to view.

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 2016-11-04
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have paid all debt and cleaned my credit report. All of a sudden this company, Medical Data Systems showed up for asking for {$100.00} that belong to my son. I asked for proof and they refuse to show me proof. I disputed it but they keep claiming it without showing me proof that it is min.

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 2016-06-11
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I was told if I open a US Bank credit card and kept it in good standing I would receive a {$100.00} credit. I have not received my credit and after repeated calls I still do n't have my credit. I have kept my end of the deal but US Bank has not.

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 2016-07-05
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Recently my mortgage company, US Bank Home Mortgage, raised their " Online Payment Fee '' to {$5.00}. I wrote to them to complain because they encourage their customers to go paperless and enroll in their e-bill service and it seemed very wrong to then punish the customers who did so. I was told that this fee only applied to online payments made after the XXXX of the month, but that it was not a late fee. I was told that I could avoid this fee by either mailing in my payment or paying online by the XXXX of the month. When I responded by saying that any fee that is applied conditionally based on time sure sounded a lot like a late fee, I hit a stone wall at the company. As part of my mortgage agreement I have until the XXXX of the month to pay before any fees are assessed. This " online payment fee '' that is only applied after the XXXX of the month seems like a very sneaky way to apply a late fee when legally none should be applied. They keep claiming that it 's not a late fee but I 'm not sure how that 's possible when it 's only applied after a certain date every month. I think they 're being incredibly shady and trying to milk a few extra bucks out of their customers that they themselves encourage to transition to online payments.

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 2016-02-17
Company: IQOR US INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls @ XXXX XXXX varying from 2-5 times/week. I have repeatedly told them I do not know the person they are trying to contact, have had this phone number 6+ years and please quit calling me. The company ( Allied Interstate ) representative I talk to each time assures me my number will be removed from their database, yet I keep receiving calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: IQOR US INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The debt collection agency continues to call despite measures I put in place to stop them and they leave threatening messages This is my second request to have them stop

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 2015-10-31
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I consistently made payments on time. Beginning in XXXX 2015 my payments started not to be posted to my account. In XX/XX/XXXX I started getting calls from myloancare saying my XXXX payment was not made. The phone calls were automated, without opportunity to discuss. I sent an E-Mail to customersupport@myloancare.com with evidence of the payments. I received a ticket number and automated response, but to date have not had acknowledgement of the payments made in XXXX and XXXX. There are now five payments sent with confirmation from my bank, but myloancare does not respond to my inquiries, and continues to make automated calls to me. I called on XXXX of occasions, and only once was I able to get through to a customer support representative. I provided the ticket number sent to me, and all related detail with no results. The customer support representative refused to allow me to speak with anyone that could actually help resolve the issue, and essentially said that the phone calls would continue until the issue was resolved. I asked to work with someone that could resolve, but was refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We had another issue in which we had to file personal BK, however we had no intention of dissolving this debt and continued to make payments every month, and we were finally able to reaffirm the debt. In the last 4 months, they had mis applied a payment, so it was showing we did not make a payment, though they show they had it but did not apply it. So for the final 3 months, we did not make a payment until it was applied. Our loan was reaffirmed and the BK discharged, this company immediately sent out a foreclosure notice and will not apply the payment correctly. I spoke to XXXX in Executive Services, she researched it, agreed with us and was going to re apply the payment correctly. Someone above her denied the request and now they want to foreclose on this reaffirmation. We were under Bankruptcy protection and they can not foreclose on the debt, for missed payments while under the Bankruptcy, so this is illegal. This is related to our home in XXXX Nevada - Loan # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX placed an item in collections stating they did not receive their equipment. I received a call from Franklin Collections stating the account was placed and I advised of the dispute at that time and never heard from them. The item appeared on my credit report months later. I emailed with copies of the tracking showing item received at att and should never hit any bureau. I received a letter on their letterhead stating this item would be deleted. I disputed the item with XXXX and XXXX and received an update from XXXX stating the agency has verified the item to me. I uploaded the letter and disputed correctly. At this time Franklin has violated several FCRA and I am requesting they resolve this on all bureaus and be fined accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender, U.S. Bank periodically sends multiple Mortgage Statements for the same loan due date period. These duplicate statements are confusing, especially when I timely pay my monthly balance. The duplicate statement is sent even after U.S. Bank acknowledges receipt of payment! I have mistakenly ( almost ) made double mortgage payments to U.S. Bank. I initially called U.S. Bank customer service and they say there is nothing they can do, it is a government ( RESPA ) requirement that they send out duplicate statements and that U.S. Bank can not change its software. U.S. Bank simply says " disregard '' the second statement. The duplicate statement is not identified as duplicate and it creates accounting problems when duplicate statements are sent by my mortgage lender. 

In a recent call to U.S. Bank regarding another duplicate statement they indicated that it is a Consumer Financial Protection Bureau " regulation '' that requires U.S. Bank to send out duplicate statements every " 31 days '' from last communication. Therefore, if I pay my bill timely ( or early when rec 'd ) and/or the following month is a longer month then ( according to U.S. Bank ) per your CFPB regulation, U.S. Bank says it must send me another statement for the billing period that I already paid and they have received. If this " 31 day '' rule is truly a CFPB regulation -- & gt ; then it is a stupid regulation. If it is a CFPB ( well intended ) regulation,,, it results in a consumer unfriendly outcome when it is applied to my facts and circumstances, hence a stupid regulation. U.S. Bank indicated other customers have complained about this problem! I have also escalated this problem from U.S. Bank Customer Service to U.S. Bank Consumer Advocacy for attention. 
So,,, Is this a CFPB, U.S. Bank or other party problem?

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 2015-05-20
Company: Pinnacle Credit Services, LLC
State: AZ
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:
I have made several Attempts to contact Pinnacle Credit Services at XXXX and XXXX and XXXX time i get hung up on, XXXX time was this morning and the lady stated she could NOT pull up any records. I have included an attachment of what i want from Pinnacle Credit Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Account information incorrect

Complaint:
After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX account # XXXX Under the Gramm-Leach Bliley Act, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ). 

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with servicing company, Loan Care ( account # XXXX ). I previously put a request for a credit dispute of a late payment that was reported to the credit agencies. Since XXXX XXXX, 2015, I received a letter stating that my loan is " current and that the late payments were to be removed for XXXX and XXXX 2015 '' on my credit report. I am requesting for another letter to have my wife 's name on it as well ( as she is on my mortgage account too ) ; also requesting to have LoanCare notify the credit reporting agencies that my wife 's credit account is " Current and to remove the late payments reported in XXXX and XXXX 2015 ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage took over servicing my loan effective as of XXXX XXXX, 2015. Prior to the transfer, on a monthly basis, I was able to make my regular payment and an additional principal only payment electronically each month. However, with Carrington I currently do not have that option because they are taking exceedingly long to process my request for automatic debit from my checking account. I faxed the request on or about XXXX XXXX, 2015. My request has not been processed nor have I received any type of confirmation from Carrington that they received my fax and are working on my request. 

Since they have not processed my auto draft request, I am forced to make payments online. However, their online system is not equipped to accept my extra principal only payment electronically which is causing me undue stress. I travel Sunday through Friday of the work week. It 's very time consuming to go to the post office to purchase a stamp and envelope. However, I did purchase the stamp and envelope and mailed Carrington my extra payment on XXXX XXXX, 2015. I specifically waited until the online payment was confirmed before mailing the extra payment. I checked the principal only line on the payment coupon as well as wrote in large letters on top that the payment was " principal only ''. I even wrote on my check principal only. Even with the directions on the payment coupon and my check, Carrington still processed the payment incorrectly. They treated my funds as a regular payment and took interest and escrow out. I need help getting them to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a formal complaint against Wells Fargo on XXXX XXXX. Wells Fargo sent me a letter saying they were investigating my claim and would get me an answer by XXXX XXXX. It is now XXXX XXXX and I have never received anything else from Wells Fargo. I have since been forced to file Chapter XXXX Bankruptcy to prevent them from foreclosing on my home. My mortage is 36 % of my gross monthly income, my loan originated before XXXX of 2009, my sister had XXXX and lots of medical bills so I have a real reason for hardship. I have been trying to get assistance from Wells Fargo for almost 18+ months now. I was hoping that they would do the right thing since they knew the CFPB was looking into this, but they are still giving me the same old run around. Wells Fargo is lying and trying to say that I have a lot of equity in the house and that is the reason they are denying me. Is this a valid reason to not give hardship assistance? I had an independent appraisal done and it clearly shows that there is not much equity. Please help me get what I deserve. My only source of income is housing international students and if I have to give up my home, then I will not be able to survive. Wells Fargo told me to get behind on my payments or they could not help me, they have changed relationship managers on me multiple times and now they are trying to deny me saying I can just sell the house and get my money out, but I do n't feel like I should have to move and I would not get enough money out of the sale of the house to survive. I implore you to please make my file a priority. I am not looking for charity. I am just looking for what I qualify for.

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