BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Shopping for a line of credit

Complaint:
I applied for a line of credit with my bank compass bbva i have a security freeze as well as a fraud statement on my report. I received a letter saying i was declined because of the statement. I called was told to visit a branch. I did that at which point the branch manger called me back told me i would ned to run my credit again i said no I was told t bring this info he then decided he should scold me and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Skrill USA, Inc.
State: MA
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 have sent out all the other companies that where fraudently used to try and receive credit lines with my stolen identity. I contacted this organization and was immediately treated rudely, shut out, hung up on multiple times and then finally got in touch with a girl who gave me some information which then lead me to where I am at now with knowing who is responsible for the identity theft, I want this company to remove all inquiries and send any and ALL information including the application, any info used by the identity thief to open an account with them, I have reviewed this company and found very shady reports. I need this information not only to fix my credit report and have them remove the inquires but to move on with a criminal case in which I believe is a lot bigger than just me. The company and people ( s ) involved run a business where they take pictures of credit cards and licenses during their " Transactions ''. I want my dignity back, I want my hardly earned credit score back and I want these criminals to be held responsible for their actions. I certainly believe this company has a lot to hide. For now I am concerned with me, I need their inquires removed from my report and any and all information used by " ME '' ( the identity thief pretending to be me ). You guys have been such a big help and I hope you continue to be so because without a lot of evidence these local cops will not get out of their chairs or even look your way. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was owed {$1300.00} from Loancare for an escrow payout. The first check I received they placed a stop payment on and I was charged {$15.00} by my bank. They now owe me {$1300.00} dollars. They continually send my check to the incorrect address, misspell my name on the check, make the check out for the incorrect amount. This has been going on for over 2 months. Their customer service is nonexistent. I have never experienced anything like this that has compelled me to file a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have previously submitted information to the CFPB and Equifax regarding XXXX accounts that have been showing as " Under Investigation '' for greater than 150 days. It 's good that Equifax responded to my last complaint by opening a new investigation. Problem is, they placed the WRONG XXXX XXXX XXXX account under investigation! Why would I request an investigation on an account I closed in good standing myself? Due to this error in placing accounts under investigation, my FICO score went down XXXX points. They need to remove my investigation from the XXXX account in good standing and compel XXXX to remove the balance information ( {$6500.00} ) as the bankruptcy is discharged on the other account in adverse standing. 
Furthermore, I have submitted information to remove the XXXX addresses that are not associated with me, and nothing has been done. So I will again submit my license, SS card and a bank statement per Equifax to get these XXXX addresses off my file. 
Finally, end all items under investigation. According to the image I 've attached, there are NO ACTIVE INVESTIGATIONS. It 's a misrepresentation to tell me on my report that items are under investigation, then show me on another screen that all investigations are either closed or expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, we found out that both of the homes we owned were filed as primary residences in XXXX locations in Michigan ( XXXX & XXXX ). When we purchased our home in northern Michigan, we did not know that our status in XXXX was not changed to a secondary home. When XXXX found this to be true, we were penalized and the taxes due as a secondary home were collected from us ( out of pocket - not as an escrow part of our mortgage ) by XXXX 's assessor. Due to medical issues for our daughter ( XXXX and ongoing issues ), we relocated back to XXXX when a job opportunity arose in early XXXX. Immediately, we told both location ( XXXX & XXXX ) about the change that would occur. XXXX would become secondary and XXXX would become primary. The city assessor also submitted papers to our XXXX Mortgage Loan Provider ( a HUD loan now with UXXXX ). Multiple phone calls and emails and submitting and resubmitting paperwork, and it is now XXXX, and XXXX still REFUSES to adjust the monthly payments to reflect XXXX as a secondary home. We have been calling since our move in XXXX and after. The monthly payment was nearly {$1000.00}, but it was based off XXXX being a secondary residence, which it is not ( with taxes escrowed ). U.S. Bank has been derogatory and difficult to work with. They have told us they have cashed our monthly payments ( all have been paid ), but they refuse to accept the monthly payments for the amount we are sending ( closer to prior amount when XXXX was a primary home ). We have received the run-around and the refusal of XXXX to correct the monthly payment, even with the repeated support of XXXX 's assessor resubmitting the necessary documents, along with us. I am so disappointed in how XXXX is treating us. We have had our loan with them since nearly XXXX? In an attempt to make sure they have no repercussions for this behavior, they repeatedly do not follow through on promises to send a corrected bill, they have turned us over the debt collection ( even though they have received monthly checks and cashed them ), and they sold our mortgage this week. I refuse to let XXXX treat us in this manner without filing a formal complaint and following the appropriate legal steps so that they do not do the same to others. This has been hours of our time and energy, that could be spent with our family or providing for our family - instead we are attempting to get a giant company to stop lying and not following through with an adjusted rate for a hard-working family that has been their customer for years. I highly recommend that no one uses the services of 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 2015-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has tried to collect on a Home Equity Line in 2013. After we inquired about the " Justice Department Settlement '' they sold the loan to XXXX who is now trying again to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX XXXX, XXXX, XXXX has contacted my nephew XXXX XXXX, My sister XXXX XXXX whom they discussed my debt and case in depth with her, and my work. I called and was met with vague information. when I pressed for information on who they were and why they are calling, the man that I was speaking to became abusive. He told me I was being sued on a " federal debt that is exempt from limitation statutes '', the account is over 6 years old. He told me I owed them {$3100.00}, his attorney fees are going to be {$3200.00} and I could settle for {$1500.00}. I stated this is not a valid debt and he informed me that I just acknowledged the debt on tape " Because this is all being recorded '' I was not made aware they were a debt collection agency or that I was being recorded. I was then informed they have 15 attorneys they will be using to come after me. Again I stated this is n't a valid debt, he told me, " Good luck with that, We 're going to contact XXXX to garnish my wages '' ( my employer ) He also told me that I am on the XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint, CFPB XXXX, against Caliber, # XXXX, months ago, received a " satisfactory '' response ( $ XXXX ) from VP Assistant XXXX XXXX on XXXX XXXX. 
I changed insurance companies from XXXX XXXX $ XXXX ) canceled on XXXX XXXX, 2015, engaged XXXX on that same date and was quoted {$2000.00} on XXXX XXXX. They sent Caliber a proof of insurance letter in XXXX XXXX {$2000.00} ) but later they raised the premium ( {$2400.00} ) and I canceled on XX/XX/XXXX, I started XXXX homeowners on in XXXX XXXX ( {$1700.00} ). 
I have sent Caliber {$4900.00} to clear insurance refunds along with my monthly payment XXXX {$850.00} XXXX every month, they misapplied the escrow funds, chaos ensured. 
I have just received a mortgage statement XX/XX/XXXX from Caliber charging me a {$1200.00} monthly payment due XX/XX/XXXX and I had a past due of $ XXXX outstanding principle has increased from {$110000.00} in XXXX to {$120000.00} today. 
I paid Caliber the refunds due them and lowered my cost of insurance from {$3000.00} XXXX XXXX to XXXX XXXX to {$1700.00} and my payments increased. 
My calculations show me paid up-to-date and my escrow at a surplus of about {$600.00}. I have asked for and received no information from them. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I am writing this letter to inform you that I have lost my job on XXXX 2015, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' I contacted the company many times after the last communication where they promised to provide some help by modifying the terms of the card agreement on XXXX/XXXX/2015 to alleviate my hardship, but when I call they said that no notes were made in the account so no help could be provided, please see attached and below their original response. 

" Your account may be eligible for a payment relief program, which is designed to save you money and help you pay down your credit card account balance by lowering your Interest Charges and eliminating applicable Late Payment Fees. The hardship-qualification process requires that you provide additional information to determine your eligibility for assistance ; additionally, enrollment in a payment relief program would typically close your account to new transactions. If you are interested in this program, we ask that you contact our Collections Department at XXXX for further review ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  account reference # XXXX bankruptcy, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

the bankruptcy court did not furnish this information to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: SC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: TN
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:
Inconsistent and inaccurate personal information Such as Name 's, Addresses & Telephone Numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently was asked by a friend who is a banker, and, had just started a new job at U.S. Bank, if I would be willing to change my business banking to her bank. So we met and I thought I had agreed to open a business checking account and credit/debit card account. Over the next six weeks, I received multiple mailings from U.S. Bank with multiple new accounts. So far, I have counted XXXX different account numbers with variable balances. For most of these, I have no monthly statements. Needless to say, I have not activated the credit cards, except for the first credit and debit cards which I had requested. I spoke at length with them yesterday but was unable the resolve the issue.

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 2016-11-18
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
U S Bank upped the interest on my credit card because due to the XXXX, the company I own lost a lot of work, and I was only able to make the minimum payments for a while ... ..I was never 30 days late NEVER and always paid the minimum due ... ... today I get a letter from them that they are penalizing me even more and dropping my credit limit from XXXX to XXXX ... I have already called and cancelled the card ... ..and the card has been shredded ... ..

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 2023-02-05
Company: EQUIFAX, INC.
State: TX
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:
( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Loan Application with Lakeview Loan Servicing Facts : I was gifted funds to assist with a 20 % down payment and closing cost from my children father. We both have separate accounts at the same bank therefore the funds were simply transferred form XXXX account to another. My bank statement clearly discloses the account number where the transfer came from. A letter was provided on the bank letterhead outlining the date and amount of each transfer which reconciled with the express banker deposits that were made into my account, the letter also includes the name and telephone number of the account representative if additional verification was needed. 

A gift letter that was signed and dated by my children father was provided per their request. 

Issue 1 : Request for children birth certificate. 

Compliant : The loan officer is requesting copies of my children birth certificate and claims it is a XXXX requirement. I can see several law suits in the development if this practice continues. 

Reviewing XXXX seller 's guide I found nothing that requires that the borrower provide birth certificates or social security cards for their children. 

Issue 2 : Request for Bank Statements from an unrelated 3rd party. 

Although all financial documents currently provided clearly discloses where the gift funds were transferred from and could easily be tracked the loan officer refuse to accept the document. They are requesting the bank statement from the unrelated 3rd party that gave me the money ( my children father ). The party that provided the gift is not associated in any way with the mortgage transaction other that providing the gif. 

Requesting the bank statements of an unrelated 3rd party is excessive when several alternative documents have been provided which verifies the source of the funds and show the history of the banking activity. 

The loan officer is applying XXXX guidelines and the Patriot Act abusively. 

Either intentionally or unintentionally both XXXX and the Patriot Act guidelines are being misinterpreted and causing unnecessary stress and the possible loss of my {$40000.00} Ernest money if the loan is denied. 

I am unwilling to provide my children birth certifications to apply for a mortgage and unable to provide the bank statement of someone else bank account.

Company response to consumer: Closed with explanation