BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-02
Company: Concord Resolution Inc (Closed)
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This has been going on for years, even after asking them to stop calling and telling them they have the wrong number they keep on calling. Whoever they are, they call me asking for my ex-wife. We have been divorced for years, but I do know that she has no debt like what these callers are describing, and with each call they say it is something different. One day they say it 's a payday loan, then a medical debt, then something else. Sometimes they just demand money from me, even though it 's not in my name and will not tell me what it is for. They say if it 's not paid I will go to jail, etc. They have called my grandparents and other relatives. Recently, all of these calls have been coming from XXXX, and they say they are Concord Resolutions.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-24
Company: Meridian ARG Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been consistently receiving calls from this company on and off for 5 months. I have told them to cease & desist. This is a scam company that I never did business with & do not owe a balance. I have already received notification by the IRS that some tried to use my identity. This company harasses me, my family & associates as well as contact my job. They have made threats repeatedly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Complainant and his wife have a HAMP mortgage with U.S. Bank Home Mortgage. The mortgage trial period plan effective date is XX/XX/XXXX. The Complainant has timely made all monthly mortgage payments. The Complainant has never been delinquent. In response to a letter from U.S. Bank Home Mortgage that was dated XX/XX/XXXX, the Complainant mailed to U.S. Bank Home Mortgage ( via USPS certified mail ) a signed Dodd-Frank Certification. The Complainant also requested in his cover letter that his loan be re-amortized. U.S. Bank Home Mortgage received the signed Dodd-Frank Certification and request for re-amortization on XX/XX/XXXX. ( USPS Certified Mail XXXX ). U.S. Bank Home Mortgage did not acknowledge receipt of the signed Dodd-Frank Certification nor respond to the Complainant 's request for re-amortization. 
Pursuant to Treasury guidelines, U.S. Bank Home Mortgage was required to make a {$5000.00} principal balance reduction payment to the Complainant 's mortgage account in XX/XX/XXXX, the month after the sixth anniversary of the month in which the HAMP trial period plan effective date occurred. U.S. Bank Home Mortgage has failed to make the {$5000.00} principal balance reduction payment. Additionally, U.S. Bank Home Mortgage failed to make an offer to recast or re-amortize the unpaid balance of our mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The response received by the US Bank, XXXX XXXX XXXX, Cardmember Services, XXXX XXXX XXXX, XXXX, ND XXXX dated on XXXX/XXXX/2015 is unacceptable as follows : Records found in the US bank card member services files, indicated that, the US bank 's letter of XXXX/XXXX/15 send by XXXX XXXX, Executive Communications, clearly explained that the US Bank made a MISTAKE in obtaining a Hard Inquire on XXXX/XXXX/2015. Having this information on Record, the US bank did removed the HARD inquire. But, on XXXX/XXXX/2015, the US Bank did traspass my personal e-mail address, send me the same credit card application, AGAIN, via my personal e-mail address : XXXXXXXXXXXX. Having received this offer, again, I thought that the US Bank was Re-Considering the previous denial of credit due to " limited credit experience ''. Consequently, due to this error made by the US Bank to offer again a credit card previously denied, I kindly request from the US Bank to remove their HARD INQUIRE which had damage my credit score and is preventing me from obtaining the credit I desperately need at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
After my husband separated from the XXXX XXXX we struggled to friend a job in order to make consistent mortgage payments for a long time and eventually got behind. We started filing paperwork for hardship deferment so we didn't lose the house, but it's been a nightmare. 

Every person we speak to has a different set of requirements. They keep asking for something new. And we've been doing all this for months now because one person will tell us one thing then a couple of months later we have to do it again because that person told us the wrong thing.

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 2017-08-15
Company: EQUIFAX, INC.
State: IL
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:
As of today X/XX/2017 equifax has updated 2 closed account without a 5 day notice and to make it worse they are not mine and need to be removed because it is effecting my credit! I have sent out notice before and they keep udating inaccurate i formation and not making aware of what they are doing. XXXX XXXX and XXXX XXXX XXXX and trust were closed because they werw not mine! I want valadation of these with my signature. Which will be none and then promptly delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-30
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the collection company Nationwide Credit Corporation, XXXX, at XXXX XXXX XXXX XXXX Mi XXXX .Keeps sending me the exact same bills that I have already made arrangement to pay from XXXX XXXX hospital. This is a XXXX billing agency that is trying to make money off me through this double billing process. enclosed I have copies of the XXXX company bills and the original bills from XXXX XXXX, In which I am making arrangements to pay them directly. This side collections company However insist on sending me these same duplicate bills, and I am getting very annoyed of their deceptive practices, how can I get them to stop such actions?

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 2017-04-28
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XX/XX/XXXX  i received an email from "  XXXX  '' saying the were now going to be my mortgage payment provider. Which i was shocked to read, to be honest i thought it might be a scam.     Then it turned out to be real. I logged onto  CitiMortgage 's  website to make my next payment and low and behold i have a {$0.00} balance on my loan amount.     I was shocked since i had not received any notification from  CitiMortgage th at this was going to occur or was given any opportunity in advance to refuse the transfer of services.     I  called CitiMortgage  on  XX/XX/XXXX  in an effort to get this corrected and continue to use them as my provider. They said there was nothing that they could do since the loan was already transferred. I asked to speak to a  " manager  '' and so they transferred me, to which did nothing. This is awful, the sad thing is they provided great service since i have been doing business with them since  XXXX . All i want to do is continue to work with them and not some cut rate shoddy company as they have " sold '' my loan.     I told them that i would file a complaint, which is what is being done now.     I did not give any consent for them to transfer my account to a different provider, nor did i receive any notification that this would occur.     I was told by  CitiMortgage t hat a " letter '' was sent, but i never received it. I asked if they had a signature for the receipt of the letter, and of course they did not. Apparently it was sent " general '' mail, so who knows where it ended up. Something this important should be handled with at the very least certified mail, but even better would have been a service like    XXXX    or  XXXX  that requires signatures and proof of delivery.     This new provider does not have the same options and benefits that  CitiMortgage  provided in the past, which is why i would not like to switch or do business with the new provider.

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 2015-05-11
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a home loan with USBank, and we 're told our insurance 'ran out ' as of XXXX XXXX, 2015, and were sent a letter dated XXXX XXXX stating we needed to provide proof of insurance, or US Bank would buy insurance for us. After repeated faxes and emails to the contact information they provided, our insurance carrier says the emails keep bouncing back, and when I call US Bank, they have no record of the fax being received, either. Several years ago, we received a very similar letter from US Bank, also stating our insurance had expired, and if we did n't provide proof of insurance, they would buy insurance for us. At that time, we did n't call US Bank, since a call to our insurance provider verified we had uninterrupted coverage for the property, and they faced a copy of the policy to US Bank. However, what we did n't realize at that time was that US Bank had changed their fax number, but did n't notify the insurance company or provide them with a new ( correct ) fax number. Because they 'never received the fax ' they charged us for the cost of US Bank purchased extra insurance, and would n't remove the policy and extra cost, even after we provided proof of continuous insurance. They added this extra cost onto our insurance, without notifying us. It was several hundred dollars more a month, for over a year. My fear is that they are going to do the same thing this time, since they have n't been able to provide a correct fax or email address to either us or our insurance carrier. Because US Bank makes a substantial profit on the sale of this type of insurance, my belief is they intentionally change their fax numbers, ensuing insurance updates do n't come through, and charging homeowners for the extra insurance. I have spent over 5 hours in the past few days on the phone with them, just trying to get the correct contact infoation to give to our insurance provider, and each time I get a different email/fax, and each time it does n't work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to get a loan modification from U.S. Bank. The property was originally my primary residence, but a job transfer forced me to move. I now have it rented for much less XXXX {$900.00} XXXX than the mortgage payment. The loan was originally a 5-year interest only ARM. After 5 years, it converted to a 25 year at 6.6 %. If this was a XXXXFHA, I would be able to get it modified at rates close to market rates. However, since it is owned by U.S. Bank XXXX portfolio loan ), I have to go through them. U.S. Bank has been a disaster to work with. I applied for a modification and was denied and no one can explain the reason to me. They calculated my XXXX at 16 % ( but that does n't include primary residence mortgage or another property that I have as an " accidental landlord '' due to job transfer ). No one there XXXX customer service, escalation, etc. ) can tell me how they came up with the DTI number used to deny my loan modification. It was been an awful customer experience, with no one at U.S. Bank able/empowered to make a decision or give me any information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
There was a fraudulent charge on my credit card bill in XX/XX/XXXX for about {$180.00}. I found the problem and called Bank of America immediately and filed a fraud alert. They promptly canceled my credit card number and sent me a new one, and removed the charge from my account. In XX/XX/XXXX, they reinstated the charge stating that they investigated and found in their opinion that the charge was authorized. Neither I nor my wife ( the only two authorized users ) made this purchase, nor did we recieve any products from this retailer ( located in Florida, and we live in Michigan ). I contacted BoA and complained that this was not a charge I authorized and it was fraud. They said they would look into it, after I pushed them very hard. They initially told me, that they did not believe me, and tough. I asked them for the retailers contact information and they gave it to me. I called the numbers only to find that they were no longer in service. I went to the retailer 's website, but it does not exist. I called BoA again and protested that this retailer does not exist. They assured me that their fraud team was looking into it. I received a letter from BoA in XX/XX/XXXX stating that they were not going to change their position on the fraud charges, and that I had to pay them the ~ {$180.00} and my only recourse was to not pay it and send the credit agencies a letter for my soon to be poor credit report. 
I need your help to hold this bullying bank accountable to honor their contractual agreement to not hold me liable for fraudulent charges. Charges that I identified for them, but they refuse to accept as true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
US bank claimed that I benefited and/or authorized charges in XXXX and XXXX of 2016. US Bank, on a recorded line, claimed that the signatures matched on the receipts and that my voice matched the voice on XXXX recordings. I asked for evidence that supported the claim and US bank provided XXXX receipts and XXXX copies of known signatures. A professional handwriting analyst who wrote there was " no indication '' that the signatures were mine. I provided US bank with that analysis by certified mail and US Bank ignored that document and did not provisionally credit my account while they reviewed my documentation nor did they provide an alternative analysis. I also requested from US bank for proof that I authorized this account, again by certified mail, and US bank did not respond. 
US Bank violated TILA by not provisionally crediting my account when new and substantial evidence was presented and US bank again violated TILA by not providing proof of indebtedness upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
amount owed isnt amount told to over phone more money was added to original balance incorrect amount stated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home several years ago and the loan was sold to US Bank. It has been horrible ever since. We have never been late with a payment on our mortgage. US Bank deliberately makes paying the loan difficult. I can only occasionally access my account online - they have the worst website ever. Sometimes I can log in, other times I ca n't. It will say my password/ID is n't in the system. I 'm stuck having to write monthly checks to mail in stead of the paying online. I think they do this in the hopes of the customer being forced to make a late payment so they can tack on big fees. I called customer service about it and she gave me some insane excuse that I needed to use a different search engine??? That makes no sense at all. It does n't matter whether I get to their website via explorer, Chrome, etc. the result is the same. They also overcharge every single year for escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a loan of $ XXXX with U.S. Bank XXXX USB ) on a condo purchase of $ XXXX. Closing date set for XXXX/XXXX/2015. USB failed to meet closing on that date, failed to meet adjusted closing of XXXX/XXXX/2015, failed to meet readjusted closing of XXXX/XXXX/2015 and as of this evening, failed to meet latest closing date of XXXX/XXXX/2015. At all times, communication with USB has been XXXX with constant reassurances that everything is OK, but then communication ceases and goals are not met. In addition to having to explain " Domestic Partnership '' to a bank doing business in California, the most recent hurdle was telling me to change the purpose of the purchase from " XXXX Home '' to " Income/Rental '', which changes the interest rate that was originally agreed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I received a letter from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX AND THE CREDITOR IS US BANK AND THE AMOUNT OWED IS {$370.00} I NEVER OWED US BANK THIS MONEY BECASUE I REPORTED AS FRAUDULENTLY. ACCOUNT # XXXX. THIS IS AN OLD ACCOUNT. 
US BANK NEVER PLACED BACK MY {$42.00} THAT WAS CHARGED TO ME AFTER I SENT THEM A LETTER AND RECEIPT INFORMING THEM FROM THE PERSON OR PERSON WHO USED THE MY CARD. 
I REPORTED THE {$42.00} AS FRUAD. THEY REVERSE IT BACK TO ME. 
ALSO I REPORTED A CHARGE OF {$20.00} and {$23.00} as fraudulently. 
THE LAST XXXX WAS USED ON CARD NUMBER ENDING IN XXXX. 
THEY HAVE NEGLECTED TO REIMBURSE ME MY MONEY.

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 2015-08-20
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Where do I begin? This is my story long story short. In late XXXX I submitted a bid on a house. I pulled the plug on the loan process in mid XXXX. The process was terrible. My credit was pulled XXXX times. I was told by my loan officer that she was being sabotaged by her co workers and that they were hiding my paperwork from her. My loan officer sent me XXXX pages worth of someone else 's loan and personal information and asked me to sign it and when I told her she chanted " I 'm only human ''. The loan officer missed our close date XXXX times causing Us Our lease on our home and almost the sale of the house. She ignored phone calls to my self or others involved with the transaction. The loan officer demanded me to put my down payment in a U.S. Bank account that day so I did and I went to pull it out later after pulling the plug the teller wrote the check wrong XXXX then crossed out the number and attempted to write over it. I told him it is a legal document and that he ca n't just cross out information so I had to write the cashiers check ... that should be on tape at the bank. The loan officer or someone in the process labeled by appraisal wrong and cost us time and our deadline for them to re do the appraisal. This was the worst experience of my life. My credit has been negatively impacted which is compromising my future financial situation. We wanted to finance a new barn and lawn mower for our home now what do we do? I was so nervous and depressed about this i cried most days and in the middle of work when she would call and ask me where my paperwork was. Talking with manageMent did n't help as it seemed as if they were reading preprinted angry customer rederic? I did n't have faith in US Bank after this. I am in the midst of interviewing a different bank to take over my car loan because I have serious doubts about US Banks abilility to handle money, billing or the responsibilities of customer service or having anything to do with financial anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: ALLY FINANCIAL INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My vehicle lease and auto loan are paid in full but still appear in my credit report. 
I leased my vehicle and after 3 years i decided purchase the vehicle. 
I own the vehicle because i paid in full all the debt. 
On my credit report appear like two different vehicles and still debt balance to pay. 
I need this balance being updated.

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