BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My first issue revolves around the threats and abusive language from a customer service agent when I called Freedom mortgage on XXXX-17 while in bankruptcy. I was concerned about making a payment as nobody was able to talk to me to give me my payment options. When I expressed my concern and fear the rep told me these were the consequences for filing bankruptcy. I was utterly appalled by this response as if my financial hardship was a personal choice. When I filed a complaint I receive a generic response that they could not respond to me because I was in bankruptcy. Again I was extremely disappointed in the mortgage company. 

Although nobody would talk to me I continued to call and advise I was occupying the property and my intent was to keep the property and my intent was to bring the loan current. 

Fast forward to today! I have over {$100.00} in propert inspection fees from the mortgage company. Being as I work for a mortgage service, I understand that when loans fall delinquent and there is no communication with the borrower, visual inspections are required. What i dont understand is why my loan required an inspection when I was unable to obtain payment instructions and I stated on several occasions i occupy the property and i intend to bring the account current. This should be illegal. This is causing an unnecessary financial burden on me even though The mortgage company is well aware that i occupy the property. I would never recommend Freedom Mortgage to anyone. This company has been a nightmare since service transfer.

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 2015-03-27
Company: Cawley & Bergmann, LLP
State: MN
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 XXXX voicemail messages on my cell phone from XXXX XXXX XXXX. They say their message so fast you do not even understand what they really want. Finally, after the XXXX call I called back. They were trying to collect a debt from someone who had my same name but kept calling me because my name was the same and I lived in the same state. XXXX XXXX, in their complaint department said they searched public records and got my number. I think they should verify more than names and phone numbers. I feel they were harassing me and I do not owe the debt and was guilty because I had the same name! These type of tactics should be stopped! Who do they think they are anyway!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Contacted by Professional Claims Bureau , Inc. several times in an attempt to collect {$3700.00} for a medical bill at a hospital that I did not visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hello, On XX/XX/2021 I authorized a Purchase using my Debit Card with Capital One for {$20.00} to be paid to XXXX. The purchase went through and funds were placed on pending transactions. On XX/XX/2021 the transaction cleared my account and the {$20.00} posted to my checking account. I noticed the same amount was still being held-I didnt authorize a second amount but now I have a total of {$41.00} unavailable to me ( {$20.00} that posted to my account and a pending {$20.00} debit authorization to XXXX which was approved XXXX XXXX ) it appeared the system didnt recognize my payment posting and completing so I gave it another 24 hours. I called XXXX to make sure only one payment was authorized and they confirmed what I saw online, 1 original payment. They also said it went through and didnt come back in anyway. I called capital one today and they verified the {$20.00} that completed and posted to my account was the same as the hold. I clarified that they were stating they agree that this should have released the hold once the payment was completed but they have policies and can not do anything. The rep I spoke with said they agree that it didnt make any sense why they would continue to hold money for a transaction that has now completed and fully posted. XXXX was paid and theres zero risk of any potential loss-yet the managers XXXX and XXXX could care less. Its the equivalent of me taking {$50.00} out of the atm and they hold {$50.00} more just in case. After they confirmed that they were able to discern that it wasnt two separate charges, more of a system glitch but not their problem. As of today, I have been told its not fraud and there is nothing I can do about them holding money for a transaction that was already paid and completed. I authorized one payment for {$20.00} not two and once it posts to my account, continue holding the money for the same payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've called the credit bureaus to try to correct my information and removed the addresses that are not mine and was a sibling address and they have not removed it. 

I sent a letter out XX/XX/22 and I am sending one out today again to make sure they do it but I need this done soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: U.S. BANCORP
State: MT
Product: Credit card
Issue: Overlimit fee

Complaint:
I use a US Bank rewards card for company expenses and pay it off each mot month. When I was reviewing last months statement yesterday, I noticed that a {$57.00} interest charge had been added. I was surprised at that because of my pay it off each month process. I checked the date of the payments last month to see if they arrived late ... no they were there on time. Then I checked the past due line on the statement and there was zero showing as past due. So I called to see what I was missing. After all {$57.00} is real money. The person on the phone quickly advised me that they would waive the interest charge, but the reason it was generated is the reason for my complaint. Turns out, due to my check writing error, the XXXX checks I wrote from different accounts for last month 's payment was XXXX short of full payment. So interest was charges as though I had n't gotten the payment there on time for the entire amount. Excuse me..this sounds like illegal activity to me even if it was just a computer error or something. I had a XXXX shortage of my payment, which was rounded off to show zero in the past due, but the interest function charged me {$57.00}. I wonder if the interest rate on a XXXX charge is to get to {$57.00}. Not sure it is calculable. I know that I was not out any money because I called and asked about it, but what if I had n't, and what about all the people that just pay the balance showed and end up paying those charges on mistakes like that.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # 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 2018-01-22
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX inquiry from XX/XX/XXXX,2017 I have a hard inquiry on my credit report that is really affecting me and I have n't received a loan from this company. I overstand there 's an adhesion contract here and I need it removed stricken or deleted from the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XX/XX/XXXXAcct Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX on : XXXX Made with : Transunion Made by : XXXX XX/XX/XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XX/XX/XXXXXXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXXMade on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XX/XX/XXXX Made on : XXXX Made with : Transunion

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 2021-12-31
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, 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 2021-12-31
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an installment loan with Upgrade with a principal sum of XXXX. Out of the XXXX they took a XXXX fee and stated that it was considered prepaid interest. And stated that I would only be financing and paying interest on XXXX. I received my final TIL statement showing the amount financed was XXXX and all seemed to be in order. But now when I log on to my account they are stating that I have a principal balance of XXXX to pay back still. Which is not in line with the TIL and other loan documents that I signed as well as the explanation they gave me of what I would be paying interest on. I called Upgrade and questioned this but did not receive an satisfactory explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My name is XXXX XXXX. I am reaching out with respect to the PLSF waiver. Prior to XX/XX/XXXX, I was making payments to XXXX. I was never eligible for PLSF because my loans were not the correct type of loans, despite working in XXXX XXXX as a XXXX  at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I applied to consolidate my loans ( as suggested by the government to be eligible for the PLSF waiver ). My loans were consolidated. I applied for Employment Certification in XXXX as well. In XX/XX/XXXX my counts were finally updated. I have approximately 92/120 payments. However, this was not correct as my belief was that I was well over 120 payments. I did some more digging and learned that the Government put me on School Deferment from XXXX and did not inform me ( I started a XXXX XXXX XXXX ). I continued making payments during that time ( therefore, over 60 payments ), all on time and full amount and I have documentation. During this time ( and still today ), XXXX XXXX XXXX XXXX XXXX My payments were over $ XXXX/month. I continued to do some more research and submitted a back dated form to waive the School Deferment for that period of time. It was accepted but only effective starting XX/XX/XXXX. I contacted and complained through the FSA portal. I finally received notification yesterday ( XX/XX/XXXX ) that they are closing my complaint. They are stating that the PLSF waiver can not be applied to school deferment periods and my waiver can not be applied prior to consolidation in XX/XX/XXXX. This makes no sense to me. I did my due diligence and paid on my loans. I did not default once. I have been working at an eligible institution since XXXX and have paid well over 120 payments, these are all the requirements of the PLSF temporary waiver. However, I am being denied because I did not apply to waive a school deferment that I was not aware of that the Government put me in. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: AZ
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:
I called equifax on XX/XX/XXXX to let them know they violated my right to privacy as a consumer pursuant to 15 usc 1681 4 by publishing information on my consumer report without my permission pursuant to 15 usc 1681b ( a ) ( 2 ). I told them to remove the derogatory mark from my consumer report. they said that they would send a dispute to the debt collector about the derogatory and that is not what i requested. i would like Equifax to remove/delete the derogatory mark from my consumer report asap due to the laws I provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear XXXX, I opened HSBC Premier Checking Account under a {$450.00} Welcome Deposit Bonus offer on XX/XX/2021. 

In order to receive the Welcome Bonus, HSBCs offer required me to make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to my HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening. At the time of application, I saved a printed PDF of HSBCs offer that mentions date of application : XX/XX/2021, and lists HSBCs website/URL listed at the bottom of the PDF where I submitted this application. Please see HSBC Checking Account Welcome Deposit Offer - XXXX PDF attached with this complaint. 

I have already met the Direct Deposits totaling at least {$5000.00} from a third party to HSBC Premier checking account for 3 consecutive calendar months requirements by XX/XX/2021, and therefore, I qualify for the Welcome Bonus as promised by HSBC as of XX/XX/2021. Please refer to HSBC Account summary and transactions- XXXX PDF as evidence. However, HSBC has been constantly denying my welcome bonus by alleging that the account was not opened using the correct promotion code, even though their own websites HSBC Checking Account Welcome Deposit Offer - XXXX PDF clearly instructs the applicants to submit an online application using Apply Now button shown on the PDF which I used to open my account. 

Over the past 3 months ( from XX/XX/2021 till the end of XX/XX/2021 ), I have made repeated attempts to resolve this issue by contacting HSBCs customer support at XXXX, but HSBC has been denying the bonus even after following up with Customer Support for mor than 10 times over the last 3 months ; and even after HSBCs customer support representatives themselves confirmed that I have met all the requirements of their bonus 3 months back. Their representatives keep telling me that they have followed up with the concerned Marketing department and that they will follow up with me in 3-5 business days, but I have never heard back from HSBC in the stated time frames or have been given any concrete response to my requests. 

I would be highly obliged if you can please push this matter through with HSBC and please have them issue a {$450.00} bonus to me as promised in their offer shown in the printed PDF HSBC Checking Account Welcome Deposit Offer - XXXX under which I opened my account using their online application system. 

Many Thanks for your kind attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
US BANK tried to force me to purchase a higher-risk product. The bank allowed my 30-year fixed Refinance application to expire, and then suggested I pursue a XXXX ARM. This is what happened : Interest rates had fallen and I applied to Refinance my home mortgage with US Bank. I was able to lock a low interest rate of 3.375 % for a 30-year fixed mortgage on XX/XX/2016. My initial paperwork and documents were immediately submitted on the same day. I received Conditional Approval of the loan on XX/XX/2016. I quickly submitted the additional documents required for Final Approval on XX/XX/2016. Afterwards, no further supporting documents were ever requested. 

I waited for Final Approval for more than 2 months. No further documents were being requested during this time, but also no decision was being made by Underwriting. During this wait period, I checked with my mortgage officer every 1-2 weeks. I was concerned because it was widely believed that interest rates would be rising. Each time, I was reassured that the application was with Underwriting for " Final Approval ''. I was reassured nothing else would be required from me. 

But finally after 2 months, the interest rate lock expired. Underwriting never made a decision, but they never asked for more documents either. I was simply informed that the rate-lock expired, and the new interest rate is higher, and so there would be no purpose to pursue the Refinance any longer. The mortgage officer suggested I now consider pursuing the " XXXX ARM '' product with them. 

US Bank and its underwriters, mortgage loan officer and mortgage loan processor did not process my application in Good Faith. They did not request further information beyond XX/XX/XXXX. They had nearly 2 months to make a final decision with all documents and information available to them. They clearly took far beyond a reasonable time to make a decision on the application. They did not uphold their end of the bargain. The rate lock expired while the application sat in their department. It appears they purposefully undermined my application by deferring to make any decision for Final Approval by the Underwriting department, and allowed the rate lock to expire. They did not deny my application. They simply did not make a decision. 

During this time, it was widely speculated that interest rates would rise. And after the rate-lock expired, interest rates were indeed higher. I believe they intentionally allowed my application to expire in an attempt to force me into choosing a riskier product, or at least into paying a higher interest rate.

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