BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My husband lost his job XX/XX/XXXX. We immediately contacted our XXXX mortgage companies in order to try to delay payments and/ or find out what options were available to help us while he was searching for a new job. XXXX companies had us start " loan mitigation/modification '' processes. Our first mortgage company worked with us to move our past due payments to the end of our loan and we were able to catch up after my husband was able to find another job XX/XX/XXXX. Our second mortgage company, US Bank, literally put us through months of paperwork, faxing at over XXXX pages of documentation, supposedly " lost '' the documentation, and had us re-submit it numerous times. In the end, it was a futile attempt to receive any type of help from that company. After we were trying to make extra payments, they recently refused to take '' partial payments '' and forced us to do the " loan mitigation '' process all over again, although none of the previous circumstances had changed that they turned down the first time we went through this. Because they would n't even accept partial payments while this was happening for months, this caused the past due amount to become even higher. They only ended up offering us what they called a " temporary payment plan ''. 
Our normal monthly payment was {$500.00} with an interest rate of 12.65 % and they want us to pay 4 times that amount at {$2100.00} a month for 3 months and if we do n't, they are threatening foresclosure on our house. We have received no assistance with the loan, because they give the main reason of it not being the " primary mortgage loan ''. It has always been our second mortgage in the form of a home equity loan that we have been paying on for years now. When they considered out situation and requested our financial information over and over, they only placed into consideration the amount we pay a month for our XXXX mortgages, no other loans or monthly expenses, to say thay they see a huge monthly " surplus '' that does not exist. We have a family of XXXX, with XXXX child in college, and there is no feasible way we can try to pay these amounts and still be able to pay our bills, gas and groceries. All we were asking for, for over 2 years now, was to get some short term help and US Bank has in no way made any attempt to help us through this. They have placed us in a very difficult position and only seem interested in putting us into foreclosure to take our home. That is the " threat '' they have stated in the communications multiple times. We feel helpless and do n't know who or where to turn to try and get someone to listen and / or help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Midwest Service Bureau continues to call me on my cell phone after I told them they do not have permission to contact my cell phone in violation of the TCPA. I then ordered them to Cease & Desist calling and they continued to not only call my cell phone after being ordered not to they contacted my mother who I do not live with and lives in a completely different town. They disclosed my private health information to her without my permission ( violation of HIPPA ) and  continue to call her despite my telling them to cease and desist ( harassment, violation of FDCPA ). 

Additionally, I have never received any validation notice regarding these accounts, I attempted to tell their collector that the bills were a result of a criminal action and I was a victim of a crime but they have not marked the debt as disputed ( as required under the FCRA ) and continue to attempt to contact me and my family about these bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 2017 - contacted Kohls/CapOne @ listed #  XXXX  - advised representative that this was not an application I processed. Explained history of my reported identity theft in past and of my current fraud alert notification set on all  XXXX  credit bureaus. Representative confirmed they have no info with my SS # or Name/DOB on file for applications recently processed. They advised me to contact this service for removal of inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I closed my account with XXXX in good standing in XX/XX/XXXX. Services were deactivated and I was informed that I will not receive the credit for unused service. I had a prepaid no-contract cell phone plan ( {$25.00} plus taxes ) with XXXX and made the first payment of {$67.00} on XX/XX/XXXX. Had a scheduled auto payment and have been billed monthly. The last payment of {$40.00} I made was on XX/XX/XXXX. The account was closed, and my auto pay was deactivated. Unfortunately, XXXX kept billing me and without any notice sent me to the collection agency. I did not realize that my debt was in collections until I checked the credit report prior to my employment background check. I disputed the above with XXXX and XXXX. XXXX  but have not received any correspondence. According to the credit report the XXXX. XXXX, XXXX account was opened on XX/XX/XXXX but XXXX sent me an E-Bill on XX/XX/XXXX with my balance of {$130.00} still incurring late payment fees. According to XXXX, I have an unpaid balance for XXXX, XXXX, and XXXX of XXXX. Firstly, the account was closed in good standing in XX/XX/XXXX. The last full monthly payment was made on XX/XX/XXXX. After service activation, I was billed for two full months in advance. At this point, I do not understand how I can be billed for services never received and for months ( XXXX and XXXX ) I paid for the prior termination of my account. After an investigation, the collection entry was removed and XXXX placed me with another collection agency, Diversified Adjustment with a balance of {$140.00} or unspecified balance.

Why does the balance of my collection account keep going up? I am looking for help with the abovementioned, as I can not be liable for services I have never received and sent to collections on services I already paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: JPMORGAN CHASE & CO.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 {$500.00} was sent through XXXX. I immediately contacted Chase bank to cancel the payment and they denied my request because stated by XXXX the payment was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In the process of refinancing my secondary mortgage, I needed to close out a Bank of America ( BofA ) Home Equity Loan of Credit ( HELOC ). On XX/XX/2020, I called BofAs HELOC department to discuss the charges associated with this step. The agent on the line, who presented himself as XXXX, said the closing cost of {$940.00} ( {$960.00} total fee less {$18.00} in county fees ) would be waived. He referenced my preferred customer status and good standing with BofA for many years as the reason behind the refund. He noted that after escrow closes, a refund will be sent my way. He also gave me confirmation numbers for the call ( XXXX ) and the refund ( XXXX ). 
On XX/XX/2020 the refinancing closed. On XX/XX/2020, I went to my local BofA branch ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to check on the refund status. I spoke with Assistant Manager XXXX XXXX who told me he did not see anything in BofAs system regarding a refund. He proceeded on opening a claim ( ID XXXX ) in regard to this matter with BofAs mortgage department. I followed up with him several times and did not hear a response. When I caught him on the phone last week, he informed me that he is taking a leave of absence and I should take my matter up with the BofA district manager. 
BofA is not honoring their verbal commitment in this matter to refund the HELOC net closing cost of {$940.00}. I have included the reference numbers for the original conversation, refund claim and follow up claim. BofA representatives portrayed one policy and are not abiding this policy. BofA is also claiming no record of the initial conversation I had with them.

I am writing this letter to you to inform you of these misleading policies as I am likely only one of many who has been guided toward a refund in order to pay a closing charge. 
I thank you for your consideration of this matter. I appreciate any assistance you may offer me in achieving my original refund claim. Thank you.

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 2017-09-12
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: Information belongs to someone else

Complaint:
now with the security bleach of equifax i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: NY
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 fair credit reporting act XXXX  account number XXXX has violated my rights. 

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

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied for a credit card. I was given a different ( inferior ) card than the one I applied for an was told, " oh, well, you should use this other card for 6 months and then you 'll almost be certain to get the card you actually want. '' There are several problems with this : 1 ) The marketing was deceptive. I do not believe they had any sincere intention of providing the card that was advertised. 2 ) A card and line of credit was created in my name, without my permission. There is a section in the terms and conditions ( attached to this complaint ) that states that I may be automatically considered for a card other than the XXXX I am applying for, HOWEVER, it states only that I will be considered for the card -- not that I will automatically be provided with XXXX -- AND it does so only under the section " Notice to Ohio Residents '' 3 ) There was no indication when I received the card that I was at all different than the card I had applied for. The credit card company was trying to pass off the inferior card as the card I applied for ( see attached welcome letter ). I was also not provided with a notice of rejection and the option to receive a copy of my credit report ( since that was the basis for the rejection ), as is my legal right. 4 ) The whole process has caused damage to my credit score, not only from the initial inquiry, but also from having to close the unwanted credit card.

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 2020-09-28
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I have been cashing my checks like normal and for some reason, no place can cash one of my checks.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/2019 Original balance XXXX and now they saying the balance as of today is XXXX The balance amount has changed over time I filed a dispute but credit company sided with them Dont know anything about the company that has this account The company repoed my car years ago

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 2016-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I keep receiving pre-approved offers in the mail in my sons name. To protect his identity I have called the company and they said it would stop. I have called the opt out and so have they. Currently I have had to shred every week offers. This is Capital One XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: AMERICAN HONDA FINANCE CORP
State: VA
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:
In accordance with the fair credit reporting act XXXX account has violated my rights America Honda Finances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( To have all late/missed payments be removed from all of the account above in order for my credit history to get back to what it used to be ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it a ; so states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: AL
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 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 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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Act Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-05-14
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a Notice of Escrow Shortage Letter from US Bank dated XXXXXXXXthe amount of {$700.00}. I called US Bank Home Mortgage talked to a XXXX I explainedwhy I was calling and asked why there was a shortage since I sent a {$970.00} to them in XX/XX/XXXX, he said it was applied on XX/XX/XXXX, but not all to the escrow account. I said fix it, so he opened a Work Order on XX/XX/XXXX and said disregard the Notice. I called US Bank on XX/XX/XXXX to make sure it was taken care of, I talked to a XXXX who put XXXX on the phone and she tells me if they reverse it I would have to re-done my taxes, so I said ok I 'll do that reverse it, after being on hold for a very long time for the second time, XXXX tells me she does n't know if the US Bank will do that, I ask to talk to the department that handles this and she says they do n't take incoming calls, that I would have to write a letter to US Bank Home Mortgage at XXXX XXXX, XXXX, MInn. XXXX to see if they will reverse this. I asked when was the work order cancelled and when was I going to be notified? she said it was cancelled today and she did n't know when I would have been notified since I had the notice letter which I was told to dis-regard! 
See attached Letter and conversation notes and check stub

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-18
Company: FCI Lender Services Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage was originally with XXXX, Then it was sold to FCI, which I have attached documentation. FCI illegally increased my from {$24000.00} to XXXX. Secondly. FCI needs to disclose the amount my mortgage was bought for because since my address did not change, XXXX sold this note, I am only legally obligated for the amount this mortgage was sold for. I also believe these payments with FCI to be illegal and the CFPB should investigate this company.

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 2022-05-23
Company: Stratus Financial LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a loan to pay for flight school back on XX/XX/2022. 

The creditor notified me that my credit profile was locked and asked me to unlock it. I unlocked the report for them. They called again stating it was still locked and requested a co signer. I added my mother in law to the application. 

It's not XX/XX/2022 and I received an email stating that my loan was conditionally approved. 

I called and asked the loan officer XXXX XXXX if they were able to run my credit and he stated yes, and that I would no monger need the co borrower since they accessed my report and I have a good score ( XXXX as of today ). 

I called back this afternoon to ask what the terms were and the lady stated that they would need an ID, social and Application for XXXX XXXX, my father in law. 

The wired thing about this : I never added him to my application, I added my mother in law ( his wife ) XXXX XXXX. I believe this company researched my mother in law, and her address and found out that XXXX owns the house. Once they figured that out they then proceeded to participate in predatory lending, by asking me to have him added. 


Again, I NEVER added XXXX to my application, and I never even mentioned his name. XXXX would never co sign a loan for me. 

Please help me investigate this issue and this company for unfair practices and predatory lending tactics. 


I submitted an email requesting the withdrawal of my application and destruction of all documentation related to the application. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a XXXX XXXX XXXX credit card with Citibank and was approved about XX/XX/XXXX. About XX/XX/XXXX I received a pin #. About a week after that I got the credit card in the mail. I called to activate and they said they could not activate until I responded to another piece of mail that I would be receiving another another 7-10 days later. I get that letter and am told that I need to send a copy of y social security card. I call them and tell them that I ca n't find my card and ask if I can send a copy of my license ( like my boyfriend XXXX ) and they say no. I tell them to just cancel the card then because I have no time to apply for another social security card and they say they ca n't do that. I call another week later because I am getting emails that suggest I have the card and my balance is {$0.00}. I tell them I do not want my name associated with this card and they still will not cancel the card in my name and send me a statement that the card is cancelled ... by the way each person I speak with has a XXXX accent. This makes me nervous because now the XXXX has all of my credit info and thy wo n't cancel the card. I have spent at least an hour on the phone numerous times to cancel this card. 
I want it cancelled and they wo n't cancel it and keep trying to get me to activate.

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