BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-02
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am very upset and disappointed in the rewards change of my XXXX credit card. The free night benefit removal has been a disappointment. In addition, I just the annual fee charged to my account. {$75.00}. 

I believe it is very bad practice to suddenly change the terms of card ; In addition the old terms were advertised in marketing materials and in statements, website. 

To add insult to injury, I just found out that US Bank and XXXX XXXX have been selectively issuing free night certificates to select customers. 

I would like to also received the free night certificate. 

Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have purchased a home with my ex husband the loan is in his name only and I 'm on the deed to the house we divorced in XX/XX/XXXX I have resided at the property and have been paying on his mortgage to stay here the payments got behind I paid the bank {$1000.00} in XX/XX/XXXX and been making the payments the mortgage company is refusing my payment because its behind and no payment plan was set up now I 'm disputing with the mortgage company to get all my refund that legally I 'm not responsible for and now they are foreclosing on the house and trying to put me out

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-02-02
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I disputed the account with the collection agency Medical Data Systems and they sent me back copies of personal medical information sent from the hospital.

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 2016-08-23
Company: Michael Haynes & Associates, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX from Michael Haynes and Associates has called around and threatened people that I owe a debt and that they would be going to court. I owe no such debt and I am not too happy that he would slander my name with people i respect. He also would not give me an address to communicate with him. He threatned to sue the corporation, take my house, my paychecks and sue people that i dont even know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently having my mortgage being serviced by US Bank Home Mortgage. Due to banking error and ACH bank draft issue - my mortgage fell 5 months behind. I attempted to get back on cycle with USBHM in XXXX 2016, however USBHM, indicated that account was in delinquency status and needed to have current and all past-due payments. So currently, past due payments have " ballooned '' to $ XXXX+ in back payments and late fees. Additionally, I requested to participate in the US Bank Home Mortgage Assistance /Loss Mitigation Program but was denied further participation in program, along with a workout option. I am currently appealing this decision and await and hopeful a favorable reply with my request. I have also made two recent mortgage payments to USHM - on XXXX 2016 and XXXX 2016. Please note since USBHM has serviced this account and up until this point, my payments have been timely. Additionally, I have been a US Bank account holder - for 17+ years.

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 2015-10-01
Company: United Student Aid (USA) Funds
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I XXXX XXXX claim that a company known as USA Funds , Inc. has been for a great deal of time tried to collect a debt that may no longer be valid. The referenced collections state that the debt service date to be 1998. If these debts were in fact educational loans, they would have been backed by guarantee with the U.S. Department of Education. 

I claim that USA Funds, Inc. acquired these debts from a debt pool system, and that the enforcement date can no longer be valid by California laws. The only method in which these loans would be valid is by a guarantee to the U.S. Department of Education. 
USA Funds , Inc. state that one of their options is to assign the listed student loans to the U. S. Department of Education. If that were true that USA Funds Inc. could, then I advise them to do so. The attached letter is in violation of the Fair Debt Collection Practices Act based upon the following facts that the attached letter even stipulates : LENDER : XXXX XXXX XXXX XXXX - This means that the loans were securitized and then ownership was fractionalized. USA Funds Inc. has no skin in the game other than to use my credit history hostage, they have no assigned right to ownership from any f the fractionalized owners of the debts that were securitized, and for USA Funds Inc. to take a position that they can take legal action where they have zero chain of ownership or assignment of authority is not only an FDCPA violation, but a violation of my civil rights as a member of the XXXX XXXX XXXX. 

I DEMAND THE CFPB AND THE FTC PURSUE USA FUNDS INC FOR MY FDCPA AND CIVIL RIGHTS VIOLATIONS AS MANDATED BY FEDERAL GUIDELINES!!! 
The attached letter if full of abusive threats to me as a person and my own credit history. USA Funds Inc. will be sued if they persist with these threats and if they do not purge my complete file immediately. This company is nothing more than XXXX of XXXX of collection agencies nationwide that abuse the system and due process as mandated under my protected legal and constitutional rights. 

This letter is proof that these loans were securitized through a third party investor. USA Funds Inc. has destroyed my personal credit on debts that are no longer valid. I will proceed with a federal lawsuit against USA Funds Inc. if they can not validate a legal collection process. 

I demand that a letter of release be submitted within 30 days, and that all illegal collection processes cease immediately, along with the deletion of all accounts from each pertinent credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Residential Credit Solutions, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently having XXXX issues with RCS : 1. Their inability to honor my requests to remove PMI from my loan. I 've sent a couple of requests via fax (?!? ) to their Correspondence Department to have PMI removed since I have satisfied their requirements. At no time have they honored my request and have even told me they never received my last XXXX requests. As a result of their ineptitude the most recent payment for XX/XX/XXXX has not been applied to my account which of course made my XX/XX/XXXX payment late ... here comes another late fee. 2. They received my XXXX payment on XX/XX/XXXX for a XX/XX/XXXX due date and they did not apply it to my account until XX/XX/XXXX, thus making the payment late. They then charged me a {$130.00} late fee due to their inability to apply my payment timely. They are not acknowledging their error and refuse to credit back the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Fenton & McGarvey Law Firm, P.S.C.
State: IN
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a auto loan with XXXX XXXX. The repo 'd my car and left a balance of. This attorney Mapother & Mapother sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with XXXX XXXX And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Servicer, Specialized Loan Servicing, Inc ( SLS ), has confirm the reception of documents various times to be reviewed for Loss Mitigation solutions. On most recent communication, Servicer confirmed the reception of Bank Statements but requested that they be resubmitted to so the Non-Borrowers contribution. Bank statement submitted on previous occasions were marked accordingly to identify ALL Contributions received for the household. Multiple email correspondences can be provided to show that ALL NECESSARY DOCUMENTS HAVE BEEN SUBMITTED ON VARIOUS OCCASIONS WITH FOLLOW UPS TO CONFIRM THEIR RECEPTION. 
Servicer, on multiple occasion has filed to comply with CFPB regulations - additional information will be uploaded describing the servicing process till the appeals and borrower 's action to file Bankruptcy to delay the foreclosure sale.

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 2016-02-03
Company: UNITED GUARANTY CORPORATION
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
It was a loan taken for my daughter to attend XXXX College of XXXX XXXX, in XXXX XXXX, Mn and I co-signed the loan for her. In XXXX my husband and I filed bankruptcy due to a preditory lender situation and this loan was in the the Chapter XXXX filing. United Guaranty owned the loan and filed XXXX claims against us against our Chapter XXXX filing and received payment through our Trustee. United Guaranty had purchased this loan from XXXX XX/XX/XXXX when our Bankruptcy was filed. The Bankruptcy was discharged XX/XX/XXXX. On approximately XXXX/XXXX/XXXX we received letters from XXXX XXXX XXXX and XXXX XXXXstating that they had a debt we owed and it was being sent to collections on a delinquent account we had never received any information or bill on, and had no knowledge of owing. After reviewing our bankruptcy it appears as though they had been paid through the court by claims they had made against us when our bankruptcy was filed. I ( XXXX ) made copies of the claims made and the discharge paperwork and sent it to both XXXX XXXX and XXXX XXXX Firm. XX/XX/XXXX a processor came to our home intending to serve our daughter with papers regarding a judgement against her and we explained the situation to him and that our daughter did not reside with us and we had not had contact with her for seven months. He advised I ( XXXX XXXX ) call the law firm he was representing and explain what I had told him. I did that the next day and was told by XXXX ( representing the law firm ) that they had our lawyers name and he asked me if the name they had was correct which it was and that they would not talk to me they would take care of everything necessary through our lawyer and that was the end of the conversation. I ( XXXX ) made copies of all the documents regarding the claims filed by United, copies of our bankruptcy, and the dismissal document and brought them to the law office of XXXX Law Firm on XXXX XXXX, XXXX again stating that XXXX XXXX does not live here. We have now received documents that there is a motion filed and I must appear in court. To the best of our knowledge they have received their claim amount and the bankruptcy is closed. United Guaranty did not file any further claim when asked by the court to do so before the final discharge was approved. They continue to hassle us and have continually threatened us with judgments and to make false statements regarding our credit to creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a complaint on XX/XX/XXXX case number ( XXXX ) in which Banco Popular answered to XXXX CFPB saying that they tried to reach me on several ocasions which is a lie. I called like they instructed me before XX/XX/XXXX in which XXXX XXXX XXXX who is encharge of my loss mitigation process told me to wait for his call that we were going to be signing the documents at the begining of XXXX. Banco Popular has never contacted me. I was contacted by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to be exact in concern with the loan modification papers because she is the loan officer from XXXX and havent received the loan modification papers. Now the Court wants to remove me and my family from my house. I want CFPB to not accept any explanation from Banco Popular. Get from Banco Popular The name of the Manger of the bank and tell CFPB a date when I am suppose to be at the Banco Popular. For me to get a contact number in CFPB for that same date for me to call. Banco Popular hasnt allow me to keep on making my monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: PARSON BISHOP SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My fraternity dues ' debt was sent to Parson Bishop for collection, though the amount they are stating is incorrect. They are saying I owe {$650.00} when I have an e-mail from the original creditor stating I only owe {$290.00} for the XX/XX/XXXX semester. They are charging me an additional semester ( XX/XX/XXXX ) for which I was already terminated and did not take any part of. My debt was recently reported on my credit and dropped my score over XXXX points. I was unable to pay before because of my low income, but have recently deferred my student loans while I get my XXXX, and plan to use those funds to pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Halsted Financial Services, LLC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
halsted financial services, keeps calling XXXX to XXXX times a day attempting to collect a debt, but i have not receive any mail about it, i refuse to give my ssn or any other information over the phone with the till i receive something by us postal service. i would like the calls to stop and my name and information removed from there system, and if they have affected my credit i would like that removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my first Mortgage with US Bank they have reported to the credit bureu that in the last 14 months I have been 30 days late XXXX times, 60 days late XXXX, times and 90 days late XXXX times. This is not true, and I am in the process of trying to refiance my home and this is when I found out, this is not the first problem we have had with US Bank they tried to take my home for XXXX missed payment about three years ago but in the end they did a uneccessay loan modification and when we received the final paperwork it was a 40 year loan on a house I have owned since XXXX 1992, we went to the Attorney Generals office but recieved no help so we had no choice but to go with it, I have all the paperwork for that and now this. I printed out my bank online payment report for them and I have never been 30,60 or 90 days late. I called US Bank today and they agree with me and told me I need to go to the credit source that reported it and they will get back with US Bank and that will take care of it. I have contractors ready to do work on my home now and I can still get the XXXX but my interest rate will be higher. This is not the first time I have had problems with US Bank, they tried to take my home three years ago for XXXX missed payment when my son was very sick and I missed it on accident but instead they modified the loan which was not necessary and gave me a 40 year loan without disclosing that before we agreed. I went to the Attorney General 's office but received no help. I need my credit corrected today but they want me to go through this long process for something they caused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Good day Took over a lease of a XXXX XXXX to avoid fees such as deposit and taxes. I have done this several times. 

BMW after 1 month of assuming the lease. I get a bill for {$700.00} +. for TAXES which were not disclosed at the time of signing. 

After numerous correspondence and calls the company failed to rectify the issue. I set up a Arbitration Complaint #. XXXX. The Company never responded to the XXXX  to participate in the Arbitration, According to their terms and conditions prior to starting a civil action I am required to attempt to resolve any issues by Arbitration first, Company is ignoring my request., XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX. XXXX NJ. XXXX Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX XXXX mortgage was purchased by SLS Loan Servicing XXXX/XXXX/XXXX. I had only 6 months left on my Adjustable Rate Mortgage, set to balloon on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SLS sent me a loan modification letter offering to extend my ARM for an additional 5 years under the same terms. Rather than applying to another bank to refinance, my husband and I signed the document and returned it to them to extend our loan for 5 more years. We both have excellent credit and have always made our payments on time, so this did not seem unusual that they wanted to keep us as their customers. Well, about 7 months later ( XXXX XXXX ), SLS out of the blue sent my mortgage payment back saying that our balloon was due in full and they were only going to accept full payment of our loan. ( This is after accepting our monthly payments for 5 months after our balloon was due with no correspondence from them at all saying anything was wrong! ) I have been on the phone with them at least 25 times since trying to rectify this situation to no avail. One person actually told me on the phone that the modification/extension letter was sent to me in error. ( what?! ) Another told me that they did n't receive it, this after I mailed it, and faxed it to them twice. Bottom line at this point is that they will not honor it. SLS is now negatively affecting our credit score saying we are behind on our mortgage, and no bank will even talk to us to refinance so I can pay them off and be done with them, since my credit report shows missing payments to them. They are trying to get me to fill out a loan application to start over with them, that says I need modified payments - as if I am in financial trouble. My husband and I do not need modified payments. We can afford our mortgage without their help. I am afraid to fill out anything for them at this point because they do not seem to be on the up and up on anything. When I google the SLS name, XXXX complaints come up all over the internet against them. I do not know where to turn at this point. Each day my credit score goes down ( we were in the high XXXX 's prior to this ). I can not believe in this day and age that a company can get away with something like this. 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 2016-10-01
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a credit card as well as a mortgage loan and was turn down when at that time when I applied for a mortgage with a XXXX XXXX and I was turn down and now a simple credit card I was turn down all because I think of my race all because I 'm a XXXX man who work XXXX jobs and no criminal back ground and a honest paying tax payer so how in the XXXX I do n't get approve shaking my head on this matter ... ..I think I need to sue everyone that 's involved in this set back

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked this company on several occasions to provide any and all documentation of the debt that they think I owe and they have not done so. They simply say i owe the debt they need to provide a chain of documents linking me to the debt and verify that it is indeed a valid debt.

Company response to consumer: Closed with explanation