BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This is in response to Equifax 's results on my reinvestigation on XXXX XXXX, 2015 regarding my dispute of XXXX XXXX XXXX account number XXXX. 
Equifax has not submitted any reinvestigation results to me or to XXXX XXXX XXXX regarsing this misinformed account. This account is reflecting numerous inaccuracies which I am disputing on my behalf. I am entitled to a legal and informed reinvestigation and but they have failed me and have not verified, proved or corrected anything regarding my initial dispute Please have Equifax formwrd me every signed documentation which was reviewed by XXXX, who informed me over the telephone, that their investigation was complete. 
Upon my phone call tI was refused any and all information that was verified to me and the payments information was held from me. I am disputing its accuracy and completeness and have nothing to go XXXX. XXXX XXXX XXXX has informed me that all information is non-verifiable and in archive and nothing can be verified beyond a name. 
If I have no signature, proof of payment, correct payment history how did Equifax get this verified? 
I believe there is fraud and lies on Equifax 's behalf and this seems like a blatant violation of the law. I will not accept these results and have nothing further to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Focus Holding Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I need the automated messages to stop calling me. It 's just a robot telling me to call them back whenever I answer the phone. 

I have no reason to take this seriously. Please remove me from your call-lists. 

I do not have an account with you. I do not owe you a debt. I am politely asking you to stop all calls immediently.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Attempting to refinance a mortgage. Lender indicated there were some derogatory marks from old credit cards that, based on Equifax retention policies, must remain on file for at least 7 years. Derogatory marks were due to a business partner 's XXXX and medical issues. In the last 5 years, all debts have been paid/resolved and current debt service payments have been paid on time. Credit scoring does not give any weight to financial hardships brought on by involuntary circumstances. This places an undue burden on individuals. Someone in the credit reporting field needs to take a look at this and come up with a scoring model that takes into account these kinds of medical/financial hardships. I believe this is a failure of the credit scoring process that unnecessarily impacts many individuals in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/2016, due to a XXXX banking error, my account was temporarily frozen, causing two ACH payments to Discover to be returned. I contacted Discover before my payments were returned and resubmitted those payments via ACH ; also letting Discover know about the incident. Discover recognized the error was through no fault of my own and issued credits for the returned payment fees. However, since that incident, my account has been blocked from further making ACH payments. We are now going on 2-months without resolution. I 've talked to literally dozens of managers and supervisors within numerous departments, including Customer Service & Web Support ; and although EVERYONE recognizes that this incident is not my fault, nobody has the ability to successfully restore my ACH payment ability. I 've even sent in, via email and US Mail, an Apology Letter from XXXX, acknowledging their error. Because those at Discover can not figure out the appropriate process to restore my ACH payment ability, they continue pushing me off instead of taking the necessary time to find the appropriate channel, department or person with the authority and/or ability to correct this problem. At this point, Discover has ceased responding to my inquiries and complaints via all channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: URS Holding, LLC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Unified Recovery Services for XXXX XXXX on a credit card, stating I owe {$1000.00}. I do not. I was mailed a letter from XXXX Office manged by XXXX XXXX and I responded by USPS mail within 30 days of that letter yesterday on XXXX/XXXX/2016 and also by fax. I told them I disupte this debt and that I am contacting the FTC. I dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were behind in our mortgage payments. We submitted an application to " Keep Your Home California '' and we were approved. Our servicer submitted documents stating the amounts we were behind to XXXX they in turn wrote checks to cover the delinquencies, and bring our account current. My issue is with the servicer over charging XXXX. This also causes the lien on my house to be the wrong amount. I did a complete analysis of all of our late payments from the time this servicer took over our account, the difference is over {$10000.00}. There are also several other errors in our account that need to be corrected. I will be submitting XXXX letters all with documentation attached showing the servicers errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: SC
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:
XXXX ans equifax Are reporting my XXXX $ XXXX, 2010 credit Card as closed. The account is still Open. This lowered My score due to incorrect reporting. I need this corrected and reflecting as OPEN as soon as possible, I am in the mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: National Credit Systems,Inc.
State: OH
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 lived in this property for two years never late always on time with my rent. Moved out XXXX XXXX, 2015 and they told me i owe {$1900.00} for cleaning and damages in my apartment. The collection agency has called harassing me about this amount making threats numerous of times. I have written letters to both the agency and the original accuser. Not once did they provide me with an itemized list of the cost of these exact charges from cleaning services as requested in writing. They have came up with a made up amount trying to charge me because i did not renew my lease with them. They took my security deposit and that should have been enough for any cleaning charges etc. I do not owe this property any funds and they are making up amounts with no proof of damages cleaning that had to be done but giving me plenty of threats. I have XXXX witness that helped me moved that can vouch for me that this apt was left best cleaned. Prior to leaving i have had many issues with my tub not working lights going out refrig not being fix etc and i once did not complain about the neglect i received here, but then get a bogus charged and spoken to rudely like i did n't full fill a lease or something. I believe because i was young and single mother they were trying to get over on me. Especially with raising my rent every year and not my Neighbors. They will manipulate you into renewing a lease with them any way possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a number of calls from XXXX regarding the collection of debts against my estranged parents which I have tried to tell the collectors. I assume they think I 'm lying about not knowing the whereabouts of my parents so they have continued to call me. Last week they began calling my husband. I have asked them not to call again and/or told them I do n't have contact information for my parents but they continue to call us.

Company response to consumer: Closed
Consumer complaint received 2016-02-18
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On XXXX XXXX, 2016 at approximately XXXX United Recovery Systems called my place of business asking for my husband. This is completely inappropriate. This is clearly not my debt and even if it were they have no right to call my place of business. They asked to speak to my husband and when my secretary said " do you mean XXXX XXXX '' the agent responded of that must be his wife. We will call back. Please do not allow these criminals to call back my place of business for a debt they think my husband owes them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold from XXXX XXXX to Freedom Mortgage. We were in a loan modification program with XXXX XXXX and we were full filling all terms of the agreement. Once the loan was sold to Freedom we started to recieve unpleasant phone calls. One representative, named XXXX was totally unpleasant, rude, obnoxious and un professional. The company claims to not have our paperwork and they clain we are over {$16000.00} in arrears. This is totaly false. Our pleas fall on deaf ears. When we call we are directed to XXXX. And I refuse to speak to this person any longer owing to his rude and crass behavior. We have fullfilled the terms of our loan agreement. But Freedom refuses to speak to us about this and they instead threaten to foreclose on our house. This company is impossible to work with. During one phone call XXXX asked if my wife was home. I told him no. Then my daughter entered the room and spoke to me. XXXX then relayed to me that he knew my wife was at home and he inferred that I was lying to him. Experiences like this are very much the norm with this person and this company. We have read XXXX complaints online from other consumers who have been subjected to similar treatment. We do not want to lose our house, be in arrears or be subjected to any more threats, poor service, insults or lack of professional communication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I submitted a stop payment order to my bank ( US BANK ) on XXXX/XXXX/2017. They charged my account XXXX and the fee was paid. On XXXX/XXXX/2017 the withdrawal was taken from my account in the amount of XXXX -. The bank acknowledged they did receive the stop payment order in time but said the merchant put the withdrawal in by another way they changed their name - XXXX XXXX previous withdrawals and this is the way they put in on XXXX/XXXX/2017 -XXXX. Payment was not reimbursed by bank instead they refunded the stop payment order of XXXX to my account. What can I do? Because of the stop payment order I am unable to pay my rent ... Need help.

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 2016-12-22
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I received a letter from a stranger stating that US Bank sent a letter to him that was meant for me. Being a bank they know how important it is to protect an individual 's account and being a recent victim of identity theft this really alarming. Please find that I 've enclosed all necessary documents so you can see how careless this company is. No wonder someone who stole my identity was able to open an account in my name with this bank.

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 2015-04-29
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with US Bank in XXXX 2010. I was fed up with XXXX XXXX at the time, but eventually went back to them because they are the best big bank. I opened the account with them because I have a few student loans with them. I was working at a XXXX at the time and did n't have a big income. I over-drafted a few time, but always paid the fee. I never set up any automatic payments with them for student loans, bills, etc. I closed the account a few months later because there interest fees and high over draft fees. I got a phone call today, five years later, that I still owed US Bank XXXX. XXXX. I closed the account five years ago and the balance was current. How could I close an account that was negative? They sent the bill over to a collection agency to settle the account. Why I am being harassing from a collection agency five years later about a bank account I have for a only a few short months? Why am I paying fees on an account I did n't even use? Why this is now going to hurt my credit? I am extremely frustrated and fed up with US Bank bullying me around. I find the XXXX to be insulting and overbearing. I am student loan victim and am currently making minimum wage and tips as a server. XXXX is nearly a whole weeks work at times. I also give US Bank XXXX every month for my student. How can they get away with this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Sunset Solutions Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning the week of XXXX XXXX XXXX a company calling itself Sunset Solutions -- caller identified herself as XXXX XXXX -- began contacting me and leaving voice messages stating that I had " multiple infractions under my name and social security number '' that they were handling, which I know not to be true, and " recommending '' that I settle the matter with them " before they take it to my local jurisdiction ''. This has gone on multiple times per day since then. On XXXX XXXX XXXX I called back at the number they left in their voice mail - XXXX and attempted to explain t that I had already checked with my local Clerk of Courts and didn't have any litigation, pending or otherwise, under my name and that I had also found numerous complaints and scam alerts under their own name. The respondent, XXXX XXXX herself, became extremely unprofessional and vulgar with me, instead of listening to what I had to say and trying to verify whatever bogus issue her company had and talking over me, saying " Why are you calling back, then? '' over and over again -- when I tried to inform her not to ever contact me again. Today this company left yet another voice message and I think I may have seen their spoofed XXXX number pop up on my mom 's phone too. Furthermore, as I stated earlier and tried to explain to them, I am not the first person they have tried to scam -- there are entire threads regarding their illicit activities here : https : XXXX and here : XXXX XXXX XXXX 

Here is the XXXX information for their website : XXXX XXXX XXXX Transcript of voice mail : Hello. This message is solely for XXXX XXXX. My name is XXXX XXXX. I'm with the compliance offices of the Sunset Solutions Group and the association sheets. We have been retained and are handling multiple infractions and violations under your name and Social Security number. If you wish to try and sell this matter before we seek any action in your local jurisdiction, I strongly suggest you press one to speak to a live agent. If you are currently represented by council, please have them give us a call on your behalf. You may also return our call at XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-09-10
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I arranged an automatic payment to pay my student loan payment to Discover Student Loans. I authorized ONE month payment. It was due XXXX XXXX and I had to wait to get paid on XXXX XXXX. It was late, but I scheduled it to pull from my account with my next payroll direct deposit. The next payment is not due until XXXX XXXX. I did not set it up as an automatic payment, but a one-time payment. They withdrew the month 's payment I authorized as agreed, AND they then took a second payment from my checking for a slightly higher different amount. The monthly payment due was {$310.00} and I authorized this amount. They stole an unauthorized amount of {$310.00}. They overdrew my account. How can a bank do this? What recourse can you take against Discover Student Loans to police a this student loan financial institution from stealing money from my checking account without authorization? I am one XXXX, and they are a large financial institution. They know their customers are young individuals without resources to battle them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Duplicate payment was made for an auto loan. I contested this duplicate payment at local branch and 2 days later when using my debit card, it was declined twice. I learned from local branch account had been frozen. I did not request the account be frozen and was not informed account would be frozen. This resulted in late fees as well as fees associated with pending eviction due to debits posting during this time period. The branch referred me to a corporate number to request the account be unfrozen. The local branch manager acknowledged fault and agreed to reimburse my losses, however has since decided to not act as agreed and referred me to the fraud unit. There is no fraud. There is only misconduct of US Bank.

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 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXXXXXX XXXX  scam to send credit through XXXX. Created fake XXXX emails. Need Bank of America to reverse it.

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 2020-12-26
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent a letter to all 3 bureaus concerning my credit report. It's been over 60 days with no response. This is a violation under the FCRA pursuant to 15 USC 1681i. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. You are in violation of the FCRA! I demand these accounts be deleted immediately from my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CITIBANK, N.A.
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:
APPLIED FOR CITI CARD, BUT WAS DENIED. THAT IS CLEARLY UNDERSTOOD. BUT WHY WOULD CREDITOR PUT ON MY CREDIT REPORT " HARD INQUIRY '' WITHOUT MY PERMISSION?

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 2017-01-18
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a mortgage account with US Bank at a fix rate of 4.25 %, monthly payment of {$1300.00} includes principle, interest and escrow. I bought my house in 2001. Until recently, my mortgage monthly payment has increased to {$1300.00}. KEEP IN MIND THAT THIS IS A FIX RATE. I called customer service and spoke to both the rep and the manager whom informed me that the increase of my monthly payment was due to an increase in my property tax, a difference of {$220.00} ( {$3000.00} - {$2800.00} ). I had asked if I can send them a one time payment of the difference in the increase of my property tax but was informed by both that it was NOT an option and that if my property taxes increases again next year then my monthly payment will increase to cover the increase of my property tax.

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 2016-01-20
Company: Residential Credit Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as Residential Credit Solutions. Residential Credit Solutions refuses to endorse the check so we may recover our contractually obligated fees and expenses.

Company response to consumer: Closed with explanation