BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: DISCOVER BANK
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a savings account with XXXX. I scheduled a transfer of {$200.00} from my discover cash back checking account on XXXX XXXX they said it would be in the savings account on the XXXX it is now the XXXX I checked my savings account the {$200.00} is not there I checked my XXXX account and {$200.00} posted and it said " reverse ach withdraw '' I called XXXX and they said my account was suspended from doing transfer why? I have NEVER done a transfer from this account ever. I have been on hold for 20 mins now and no one can seem to figure it out they just keep saying I 'm reviewing the account let me place you on another hold. I rarely ever call customer service for any company because I like to do things myself I 'm an advocate at a bank the last thing I want to do is be that angry customer but no one can help. I need answers!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Other

Complaint:
I have received a XXXX for XX/XX/XXXX from discover Bank I do not recall getting any mail from Discover Bank, that dates back to XXXX, statute of limitation is 5 years in the state of Florida, is that legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
to start with I was under a chapter XXXX in XXXX XXXX, I just made last payment and was fired from my job. I called XXXX XXXX XXXX and informed I was unable to make payment, they told me they has n't received the discharged letter yet. it took about 8 months for them to get letter. then we started paperwork for refinance numerous time paperwork was sent to them always with something not right or missing. this went on till about XXXX XXXX. I told them I had been identified as a XXXX veteran next thing I know, I 'm dealing with Select portfoilo. again same result told them I was trying to get a refinance. again same run around missing paperwork, information not right. here again I have got another notice of sale while I am again trying to do a refinance. the latest paper states, they want me to make 3 monthly payments of about XXXX and once this is accomplished they will try again if they have all paperwork, meanwhile I have received a letter of a foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME 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 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2020, this writer contacted XXXX XXXX XXXX XXXX to informed the credit union about NF fees charge to my checking 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 explanation
Consumer complaint received 2016-06-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing ( SPS ) did not address our issue. Select Portfolio Servicing failed to provide reasons as to why they placed us in false default in XXXX, and continued to service, by recorded assignment, and discharge, in XXXX XXXX - without any authority to do so. We requested correction of County filed records, that falsely provided a cancellation of mortgage, without authority, or assignment, to do so, by invalid Limited Power of Attorney. Instead of correcting the record to backdate to XXXX, SPS, continued to act as servicer, and filed a false assignment/discharge in XXXX XXXX, without the proper legal and valid authority to do so. In addition, in the process of complaints, SPS admitted that we were in default in XXXX, by assessment of false placed insurance. This is false, as we had insurance, and were not required to purchase additional insurance, and not provided with any NOTICE that any forced placed insurance had been placed. This caused our loan to be placed in false default, and " paid out '' by another entity, just prior to our refinance in XXXX XXXX, by which our payoff check was diverted, and monies pocketed by SPS, and not paid to the proper investor - keeping us in false default for years. It appears, by telephone conversation, that SPS was the entity that placed the false forced placed insurance, and falsely placed our loan in default. 
This has caused title problem issues to our property. We will file a new complaint, and continue to do so, until SPS provides all information requested, including correction of false default, name of entity that SPS sold our loan to - prior to our payoff of the loan, and the exact phone number for the entity that SPS purchased forced placed insurance against us, which caused a false default, diversion of our actual payoff monies, and destruction of our title. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: U.S. BANCORP
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
i have already files a complaint and got the resolution.i am not satisfied with the resolution ( {$100.00} + {$25.00} copensation ) as a result of my complaint.I did try to contact XXXX XXXX and i never got a response back.i was not aware that when i dispute the resolution of the bank the complaint would be closed on CFPB end.that is the reason why i am filing an other complaint to get a satisfactory resolution as soon as possible and get a fair amount of compensation for the amount of time i swpent and frustration i went through by contacting the call center agent of US bank.I waqs otld to throw away my gift card woth {$100.00} multiple times just because it was purged in their system

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 2016-01-03
Company: Residential Credit Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage company, XXXX XXXX ( previously owned by XXXX XXXX ) sold our mortgage to Residential Credit Solutions in XXXX, XXXX. Our payments were roughly $ XXXX/month at 9.95 % interest. My husband lost his job in XXXX. We knew our payments were going to be impossible to maintain, so in XXXX, began the process of applying for a modification. XXXX XXXX, and then Residential, made it impossible for us to receive a modification which would make the payments more affordable by continuously delaying the process for about 18 months, then finally gave us a " Supplemental Modification. '' This did not lower the monthly payments, kept the interest rate at 9.95 % and extended our mortgage to 40 years. Since they had already begun sending us foreclosure letters, we had no choice but to accept. We contacted several government agencies and representatives, to include CFPB XXXX XXXX XXXX ( who, by the way, did not listen and were very rude ), and no one would help or listen. I am attaching several documents to support our complaint. After giving up actual living necessities and cashing in our retirement to bring everything up to date, we applied for and received a new variable rate mortgage through a XXXX 2.75 %. Of course, this interest rate will go up ; however, our current monthly mortgage payment is now a little over {$700.00}. We had to incur closing costs, legal and appraisal fees, etc., in addition to the more than {$20000.00} in interest payments over the lifetime of the " modification '' as a result of Residential 's predatory practices and other agencies ' lack of consideration towards us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The bank foreclosed and now ALL contents from the home have been placed on the driveway since Tuesday XXXX/XXXX/16

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 2015-09-12
Company: U.S. BANCORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX at XXXX, I recieved a phone call from US Bank at my home phone number. The female caller immediatley asked for me or my wife by first name. Once I stated who I was, she advised me that the call may be recorded. I stated that was fine. The caller then stated that she was calling from US Bank in regards to the lease on the XX/XX/XXXX XXXX " XXXX ''. At which point, she stated that the XXXX payment was five days late. I informed the caller that I was aware and that it was an accidental oversight and that I had just made the payment through my bank 's website about XXXX minutes before she had called. The caller then asked if I knew when US Bank would receive the payment. I informed her that the payment usually takes one business day to post. I mistakenly told the caller that since that was the case the payment would most likely be received tomorrow ( Saturday ). The arrogant response I received from the called was " ugh, well tomorrow is Saturday, so that 's not possible ''. To which I responded, Oh. Sorry that 's right, well then Monday I guess. The caller then stated well if we do n't receive the payment by Monday there will be a late fee attached to the account. I told the woman that would not be an issue. The caller then asked me for a reason that the payment was late. I stated that I had already told her that it was an oversight and that the payment was made. She then continued to ask for a reason. I stated, Ma'am, you called my home at XXXX XXXX on XXXX XXXX. This is the XXXX. I have already stated that the payment was made. The woman continued to request a reason. I stated miss please do n't harass me. I already stated that the payment was made. 

This complaint is not so much about the call itself rather than the demeanor and the timing of the call. A company that is based in the United States and has the name US Bank. Should know better than to make collection calls on a day when the entire country is in mourning. A company named US Bank should know better. These bill collectors have no knowledge of who they are calling. Being a XXXX. It 's beyond inappropriate to have bill collectors calling customers who have never missed a payment at this time and date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
I went to the U.S. bank location on XXXX XXXX in XXXX XXXX, California on XXXX XXXX around XXXX XXXX. I went to the teller art the window and asked to have a payroll check cashed. She asked me for identification and then said she needed a second form if identification. I gave her both a state drivers license as well as a passport I.D . card. She refused to cash the check because she said she did not recognize me and she could not find me ever having cashed a check at that location before. She said she could not verify that the check was authorized to be written to me because the payroll company was closed. She said to me various times that penning an account would make the process smoother. I kindly told her various times that I did not want to poem an account with them. The check was written to my name and I had cashed a check in that location before. It seemed she was very adamant that she wanted me to open an account even though I refused. Ultimately she did not cash the check and said I needed to open an account. The check from the payroll company is issued from U.S. bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
During my recent credit check I have noticed a claim by a collection agency for {$1700.00} for unknown services which dropped my credit score by XXXX points. I sent a certified letter to this collection agency and the letter came back as undeliverable, and return to sender. The company in question is ARS ACCOUNT RESOLUTION or ACCOUNT RESOLUTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
Please find attached attachments regarding this correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Trying to split the bill multiple times to collect XXXX debt. Plus I had insurance at the time trying to get them to pay their part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Receivables Management Partners, LLC
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Had A checking account that was compromised Called to cancel checks and they told me it would be a XXXX charge I agreed and they still let them clear with no money in bank account to cover them then charged an overdraft fee plus daily fee did not know that they had let them clear and that I even could overdraft over XXXX when my bank limit was XXXX if I went over XXXX then bank would cover it anything above that they do n't pay and send back this is not an accurate amount and do n't know where they came up with these amounts and I have requested copies of the origanl documents and still have not gotten a detailed bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Rent Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving calls regarding a debt that I supposedly owe from a property management called XXXX XXXX but no verification of debt has been provided. My lease ended XXXX XXXX, 2015. I moved out XXXX XXXX, 2015. I paid my rent on time. I ended my lease in good terms. I never received an outstanding invoice amount from XXXX XXXX. The call from Rent Recovery Solutions, LLC concerns me, as I am not sure they are legally authorized to collect such claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is currently reporting inaccuracies in my credit report. There are now XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XXXX which is when these late are showing incorrectly on my credit report. Instead of fixing these errors equifax has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a fraudulent account from XXXX reporting on my credit report that did not belong to me. I filed a CFPB complaint XXXX/XXXX/16, to which I got a response. I also filed a complaint with the credit bureaus. I was notified, via the CFPB response that XXXX will cease and desist all communication, and stop trying to collect the debt. They also said it was to be removed from my credit file. Which, it WAS removed from my credit file, however, it has been re-inserted AFTER being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is not a duplicate, I 'm asking for Equifax to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. 
I would like the late payments removed from the account, not remove the account as you seem to think I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Credit Account Number Num : XXXX Balance {$00.00} Dear XXXX, I am writing in regards XXXX Credit account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
As of today XXXX/XXXX/16 I have not yet received any correspondence from Equifax regarding this account. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Have been working with you and Equifax many months. Several items have finally been removed. I have requested several times a corrected, updated copy of my credit report and score but still have not received it. 

SEND MY CORRECTED/UPDATED COPY OF CREDIT REPORT WITH SCORE

Company response to consumer: Closed with non-monetary relief