BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-11
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, I scheduled my mortgage payment thru the biller 's website. Not sure if there was an issue with the site, or the submission just did n't go thru, but my payment never made it to Loancare for XX/XX/XXXX payment. I looked on my browser history and could n't find any information due to my history would only go back 2 weeks. I contacted Loancare and explained that I scheduled my payment, but do not know why it did n't show up. I explained that I was currently in the process of purchasing my new home, so there was no way I would have jeopardized missing a payment and causing issues with my credit. Unfortunately, they did n't want to hear it and told me they could n't do anything and that the 30 day late notice would remain on my credit report. I just retired from the military after serving for 20 years, in the process of getting married and this was going to be our first home together. Because of the 30 day late on my credit report, it dropped my credit score by over XXXX points which has caused me not be able to close on our new home and because I just sold my previous home, I am essentially homeless and can not get approved to purchase or rent another home. The loan payment that was scheduled for XX/XX/XXXX was actually credited to the account on XXXX XXXX, but they would not post it to my principle and interest balance since I was in the process of selling my home. I paid off the entire loan balance as of XXXX XXXX, 2016, but the damage has been done and Loancare would not consider removing the 30 day late even though I know I scheduled the payment. I served 20 years in the military and could n't believe that this company would be so unaccepting of my integrity. I had no reason to miss the payment and my weekly income is sufficient enough to ensure my payments can always be made. Plus the fact that I was in the process of closing on my new home, there too was another reason as to why I would n't miss a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XXXX/XXXX/2020, I disputed multiple fdcpa violations on my credit report and TransUnion has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of character.

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 2016-02-06
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech collects escrow monthly ( {$240.00} ) as part of my mortgage. On XXXX XXXX, 2016 I received a letter from my county stating I was deliquent in paying my taxes. I immediately called Ditech and their process for verifying that they in fact collect money for an escrow account was obsurd. They said to verify this it would take 14 business days and they would need to submit and review this by " research ''. Fast forward a week, and quite a few phone calls on my part, there was a resolution. The would in fact lay my {$2400.00} tax bill from my escrow account and they would charge me {$66.00} in interest because I was not an escrow consumer and, as per my request on XXXX XXXX, became XXXX. This is untrue. They have collected escrow since I bought my home in XXXX. These people are liars, sneaks, and impossible to deal with. They sent the issue back to " research ''.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: U.S. BANCORP
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
elan financial made an unauthorized credit inquiry to my XXXX credit file

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 2016-07-18
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Payoff process

Complaint:
Discover card allows users several options to make payment automatically on their website. 
1 ) Pay in full each month " 10 days '' before the closing date 2 ) pay the minimum on the statement due date 3 ) pay the minimum plus a fixed amount on the statement due date 4 ) pay an " other '' amount on the due date When i asked why i could n't pay in full " on the due date '', i got the following response on their chat : " So with the " pay in full '' withdrawal option, the withdrawal date for that is systematically set to process 10 days before your closing date, instead of the due date. The reason behind this is we know it 's important if you 're paying in full to have the reported to the credit bureau every month on your cycle. This is set in place so that if something happens with the payment, there is still time to correct the issue before it 's reported. Please keep in mind the withdrawal date can be changed. '' They further indicated that once the payment is set up, after 90 days you can change the date, presumably to the " due date '' of your statement. There does n't seem to be any good reason why these XXXX would be treated differently. 

I think they are just trying to encourage people to only pay the minimum payment or some fixed amount rather than paying their bill in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been Capitol one Credit card holder for 5 years. 
The last couple of month i was not using the card as i was in the process of buying a property and maintained XXXX balance. 
Capital one sent a letter to me to collect more information but i did not received the mail and its no notification when i login to my account. Capitol One closed the account XX/XX/2021 became i was not calling them. 
The card has XXXX balance and i was not using it and Capitol One cant explain what info they were needed as the card been not used. 
I collected XXXX bonus miles over the years and Capitol One taking it away because they closed the account. 
I called the supervisor said, if i open an account again, they will NOT honor those points. 
They admit that that i earned those points but they closed my account. 
Capitol One need to reimburse me for my points what has {$770.00} value.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: U.S. BANCORP
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I took out a {$100000.00} boat loan from US Bank XX/XX/XXXX. I have been making weekly payments on this loan of {$1000.00}. I believe the bank is miscalculating the interest that I owe and their deduction of interest. The interest rate on the loan is 4.12 %. 
XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest In XX/XX/XXXX I paid XXXX in interest I have never missed a WEEKLY payment of {$1000.00}, although it takes US Bank up to 2 1/2 weeks to post my payment ( then they back date it ). 

As you can see, my interest payments went up XX/XX/XXXX, XX/XX/XXXX, then down in XX/XX/XXXX, but XX/XX/XXXX 's interest payment was still more than XX/XX/XXXX and XX/XX/XXXX As my principal goes down, so should the amount of interest I am paying. Further, on my checks it clearly says PRINCIPAL payment but they are still taking out interest ( which I would n't care, but they are doing something wrong because my interest payments should n't be going UP ... ) I called US Bank and got the run around. No one could explain to me why my interest payments are going up in certain months and why my most recent interest charge is more than what I paid XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
As a new home buyer trying to purchase a XXXX ( Seller ) through First National Bank of Omaha ( Lender ). Neither Seller/Lender communicated clearly what need to be done to locking in a interest rate. In addition, It appeared that Lender intentionally delayed the loan approval process to go beyond the XXXX day lock in period. 

I had just recently been approved by the Lender for a mortgage that fell through because of the appraisal, but they continued to come up with reasons for delaying the new loan request. Also, between loans they where inconsistent on how to lock in the interest rate. The XXXX loan was through a form, the new loan with Seller needed to be locked in via email. 

Now due to my contract with Seller, I have no options to protect myself from this Lender and have to continue the process no matter what the Lender decides to do, even at closing. Of course, I 'm sure the Lender was completely aware of this when I tried to dispute my case with upper management for a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
NEW FORM OF CREDIT CARD SCAM USING ONLINE XXXX. 
I would like to make a report. The popular websites known as XXXX where people search for jobs is now a medium through which scammers target US resident to work with them. I, m a victim along with others because I 've seen where they post about it. They represent themselves to you as owner of online XXXX XXXX. They go by various name such as XXXX, XXXX XXXX, XXXX and XXXX. They are very good at what they do. I was offered this project on XXXX. First they tell you that they are not tech savy so they would like you to build a website for them and create a new email for business. The salary is XXXX per week. Once all that is done they send you all kind of agreements and policy also they send you pictures of the painting. Once all of that is done you are required to create a merchant account with XXXX. XXXX and XXXX is the only companies these scammers use i dont know why. Once the accounts are created they ask you to process orders. They have a long list of credit cards information for XXXX of individuals who lives in the US. Ive seen in only on webcam because they interview you on hangout. You are then required to process 10 orders per day they provide you with the individuals information. Of the 4/5 orders only 3 successful the money one painting cost XXXX dollars. So thats XXXX per day to be deposited to the square account after that the company would deposit the money to out bank accounts. I found out before it was too late because i started asking question and i realize they did n't want to answer until XXXX of the deposit went to my bank account total of XXXX the next morning the victim of that scam call me i explain to her what happen she told me that she did n't purchase any painting so i sent her screenshot of all the conversation and the information given to me then i notify XXXX XXXX of whats happening. After all that i refunded the money to all the individuals Its getting really popular they only target person living in US i would love for the work to get out below is a link to two other persons it happen to as well. I have email conversation i have phone numbers i have the conversation as evidence please look into it. 
XXXX I made a report to XXXX about it and also made a report to US bank about it. I still have the individuals credit card information as well as evidence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Request for VALIDATION, NOT Verification XXXX XXXX XXXX, 2021 XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2022-05-15
Company: EQUIFAX, INC.
State: TX
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 Report act XXXX XXXX account # XXXX, and XXXX account # XXXX, Has violating 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 2021-12-31
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I qualify for Recently Approved and Funded California Mortgage Relief Program to pay the arrears mortgage payments and fees on my mortgage and to bring my mortgage account current. I was told by California Mortgage Relief Program that although I qualify for this relief, Axos Bank the servicer of my loan is not participating in this program. 

In the meantime, Axos Bank has continued charging me with excessive fees and chatges for the delinquent payments. 

I would like to utilize the available California Mortgage Relief Program to pay the delinquent payments and bring my mortgage to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The company was Bank of America. I had a charge a couple months ago to my account of {$1000.00}. I contacted them about it and they closed my claim saying there was no posting error that occurred on my account. I tried to reopen the claim and they closed it once again. It happened on a Saturday at XXXX XXXX they had told me, the banks were closed so I couldnt report it until that week. So I did and they told me it was too late even though I had no other way but to wait to call them that week when they were open. I talked to supervisors as well, and they told me they wouldnt tell me why they wouldnt refund my money back to my account. He was very rude and inconsiderate. I couldnt even get into my account that day because they closed my account so I had no idea what was happening. Im very disappointed in there service. They treated me like XXXX and didnt care about my problem or {$1000.00} being stolen from my 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 monetary relief
Consumer complaint received 2016-04-19
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
To Whom it XXXX Concern : Suttle, Hammer and White identified themselves as Attorney 's via letter correspondence when they served me with a summons to appear in court in 2015. But when I call, the voice mail states the opposite as do the reps that pick up your call. I negotiated with SHW to pay {$1800.00} with {$1200.00} down and {$100.00} a month there after. I paid {$1400.00} instead and have diligently paid the {$100.00} agreed upon amount. I sent check # XXXX dated XX/XX/XXXX for the agreed amount of {$100.00} and requested a receipt that this was the last payment. Instead of correcting me that it was in fact not the last payment, Suttle, Hammer and White sent my check back to me with a letter stating it was not the last payment. Not only was this an adolescent and lame response, this jeopardizes the payment plan I had to agree too and now I am concerned of late fees. So, instead of cashing the check that I wrote, they sent it back because I wrote on an index card requesting a receipt that this was the last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Skopos Financial, LLC
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Skopos Financial Recently lost a law suit and a major case against illegal and unfair loan practices. I was included in the law suit. They had to pay me all of my monies back. This issue is they also agreed to remove the negative reports from my credit and they have not removed it from all the reporting agencies. I have written them several times for the inquires to be removed.

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 2021-06-26
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had two collections account removed from my XXXX report, being deemed invalid. The two collections agencies have both back on my XXXX credit report after me disputing them. They are incorrectly reporting these debts and they are not mine. I have screenshots of the collections accounts being removed and I want them off my XXXX report immediately before I file legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: NV
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:
reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-05-15
Company: TD BANK US HOLDING COMPANY
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:
Td bank XXXX amountXXXX XXXX XXXXcc# XXXX**XXXX XXXX XXXX XXXXXXXX acc# XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax agree on XXXX/XXXX/2014 to remove the account from XXXX XXXX XXXX and Simply XXXX. However when I checked my credit report last week this was still on my credit report as a collection. I have attached the case XXXX where they clearly stated this account would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: CO
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 Name 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 explanation