BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We closed on a mortgage for a second home on XXXX XXXX with Fulton Mortgage. Information in the closing documents is inaccurate. 
( 1 ). Closing documents said first payment would be due on XX/XX/XXXX for {$970.00}. We received a billing statement for payment on XXXX XXXX for {$1200.00}. 
( 2 ) .The Closing Disclosure says that our property taxes are included in the escrow. They were not. We have already had to make a separate property tax payment {$1300.00}. 
( 3 ). There is a document in our closing packet titled ARM Construction/Permanent Mortgage with Conversion Option that explains the process of converting our ARM to a permanent fixed rate. When I asked our loan officer about it, he said that they don't offer that option. 

I have spoken to the loan officer. He couldn't explain the discrepancies in payment dates. He told me to call the phone number in the closing documents. I have called twice ( first call was over a month ago, second call was last week ) and spoken to two different people that took my information and said that someone will be in contact with us. They have not been in contact with us. The loan officer has responded to calls and emails, but his response is that he doesn't know why that paper was in the closing documents because they do not offer that option.

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 2015-11-17
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I immediately submitted a complaint with US Bank about the process and the many times the Loan Modification was changed. 

The Modification was submitted on XX/XX/XXXX. 
The XXXX XXXX was changed and modified on the following dates. 
XX/XX/XXXX - $ XXXXXX/XX/XXXX - $ XXXXXX/XX/XXXX - $ XXXXFigures changed again after the results that submitted to US Bank Complaints Department -XX/XX/XXXX - {$940.00}. 

I believe it should not have taken this long nor should the modification papers have been changed several times and I have reported this to the VA requesting that they review the Mortgage Modification for accuracy and improper handling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Rose Agency Inc.
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Ca n't pay this account. Turned into Rose Agency. Phone number disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. ALLY FINANCIAL XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to transunion and experian about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.

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 2015-09-12
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got a loan for a mortgage in XX/XX/XXXX from USBank. In XX/XX/XXXX they transferred the loan to USBank home mortgage. My payment was over XXXX a month and then reduced to XXXX a month. In XX/XX/XXXX I received a notice that my escrow analysis stating that I was over XXXX short and my payment would go to XXXX if I did n't pay the escrow shortage. I could n't understand how it could be so short since taxes and home owners insurance increased very little. I called them several times without any resolution or explanation on how my escrow was short. I have worried about this for XXXX months getting no actual explanation. I asked several times to sit down with a mortgage person and go thru all the paperwork to explain to me where and when the shortage transpired. I was told they do n't have anyone available since mortgage people are only for new loans or applications. What ever happened to service after the sale. I called my branch bank who tried to help me only to tell me to deal with the same people who had no explaination. I was so annoyed on my last call to them I lost my composer out of frustration. They do n't project concern on the pressure and uncertainty that I worried about for months. Today I receive a letter of apology that it was a bank error. As a financial instituion how could no one explain this for XXXX months and let the error continue for XXXX months. I had to be the one to force them to admit the shortage that was due to their negligence and incompetence for XXXX months. The error is very upsetting since they took so long to adjust my payment. Now I will have a higher payment that will put undo burden on my monthly budget. In the letter received today they are offering the escrow shortage can be spread over XXXX months. I find the lack of explaintions I was entitled to is unacceptable. 
I wonder home many USBank customers have been impacted and maybe do n't even know.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
I am resting a re-investigation of the Portfolio Recovery Services Collection account in the amount of {$570.00} by XXXX XXXX  and XXXX This account does not belong to me and should be removed and deleted- Portfolio has failed to provide a copy of any signature of a contract.The debtor XXXX XXXX   XXXX  is different from XXXX XXXX Portfolio has listed. Portfolio has failed to provide copies of any copies of balance total was calculated to the amount of {$570.00} Portfolio Recovery Services has never mailed me a collection according to the Fair Debt Collections act It is my belief that Portfolio Recovery is in violation Fair Debt Collections P 807. False or misleading representations 2 ( a ) ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
US Bank advertised its XXXX XXXX card with " bonus award night exclusively for card members '' who " enjoy all these benefits after paying {$75.00} annual fee. Relying on this advertising, we paid the annual fee, but now the bonus award night has been rescinded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for modification with my lender with the understanding that I am working with XXXX. I got denied because of my income according to them. I wanted to further work on it but it was too late for me to do so because my eligibility with XXXX was over. I applied again letting them know about my eligibility with XXXX. All the while they said it is notated in my account. I got approved although my income was still the same with {$49.00} less than what I was paying when I got behind. According to US Bank my approval has nothing to do with XXXX. 

I have been in contact with XXXX about the situation. They have been sending messages to US Bank to send them the documents they need to move forward with my eligibility. I have been contacting my lender as well but it looks like the right hand is not talking to the left hand and most of them do not know about XXXX and what I 'm talking about. Some who know would transfer me to default resolution dept. and I left her messages but nothing has happened and would not return my call either. I need to respond to US Bank about my modification and pay my first trial payment on the XXXX of XXXX which I can not afford. My eligibility with XXXX is expiring in XXXX XXXX also. It 's been more than 2 weeks but nobody is able to help me from US Bank about the documents that XXXX needs. I call them everyday talking to different people with different statement about this matter. If they can only evaluate my modification with the help of XXXX and still ca n't afford the payment then I will quit asking for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the the company XXXX XXXX & credit bureaus including Equifax. They have yet to remove a fraudulent hard inquiry on my credit report known as theXXXX inquiry from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB : I 'm a resident in XXXX, Washington and a mortgage holder/home owner who has questioned the need for continued PMI insurance with US Bank, my mortgage holder, for the past two+ years when I learned the government is changing the rules regarding PMI. I fully accept the rationale for the insurance when my deceased husband and I refinanced our home in XXXX XXXX. At the time our loan to value ratio did not meet the requirement. We were satisfied with the 3.75 % interest rate and considering my husband was XXXX we were seeking a way to lower the monthly payment to prepare for me being solely responsible for debt should he die since his life insurance would not pay off the mortgage upon his passing. We did get an FHA loan. My specific complaint has arisen because I get constant solicitations in the mail and over the phone to refinance my home which continues to increase in value including solicitations from my mortgage holder US Bank. I owe {$410000.00} on my loan. My monthly payment consists of {$810.00} principal, {$1300.00} interest, {$450.00} tax, {$160.00} insurance and {$380.00} mortgage insurance. The county assessor has recently increased my home 's value from {$560000.00} to {$690000.00}. Obviously, I 'm pleased to see the value of my home increase. With this new information from the county assessor and looking at homes in my neighborhood selling for more than {$700000.00} I 've again asked US Bank for relief of the PMI. Again I was told no. But, I could refinance and move into a conventional loan which would mean more fees paid to US Bank and a likely loss of the 3.75 % interest rate due to my annual income being less than it was. I 'm topld because my loan is an FHA loan and not a conventional loan I can not simply drop the PMI. I 'm also told should I continue to pay on time until XXXX XXXX, which I have never been late with a payment in history of me holding the loan, will the PMI be dropped. My house hold income is less than 50 % of what it was when my husband was living. I 'm seeking relief of the PMI and would be thrilled if there was a way to get a refund on what I 've paid into US Bank since the government changed the rules on PMI. Its difficult for me to understand the rationale of a relief on a conventional loan, but not an FHA loan. That makes no sense if the government is trying to help mortgage holders like me. Can you please help me understand why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my account.

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 2016-08-28
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage through BB & T for a home originating XXXX XXXX. The house was sold in XXXX XXXX as a Short Sale per agreement with BB & T. The Short Sale was reported as a Foreclosure on Equifax credit report that was run XXXX XXXX. XXXX credit shows Mortgage was reported as " Paid For Less Than Full Balance ; Foreclosure ; Fixed Rate. '' However, per BB & T letter dated XX/XX/XXXX, " The loan is to be reported as " settled '' ( LOAN PAID IN FULL FOR LESS THAN THE FULL BALANCE ) to the appropriate credit repositories. '' I need my credit corrected to show Short Sale for the BB & T mortgage instead of Forclosure ; Paid for less than full balance.

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 2016-04-20
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am building a new home through a home builder XXXX. They offer financing but I wanted to shop around. I contact Quicken Loans to see what they can offer and the person I spoke with was very nice. After the app I was sent a intent to proceed that I had to sign and give my credit card info. I did not want to give my credit card number but was told that if I do n't I can not proceed. I was assured by the loan rep that it will not be charged unless I cancel and Quicken Loans has already done/ordered the appraisal. Well XXXX3 week later Quicken Loans changed the loan structure without discussing with me. They changed the down payment, monthly payment, and terms without discussing with me. I called and e-mailed but no response so I cancelled the loan with them. They immediately charged my card {$500.00} for fees incurred. When I asked why they said for appraisal fees and credit fees. This is a new construction loan and the home had not even broke ground yet. I have called over 6 times to request a refund since there is nothing in writing about the fees and each person I speak with there says I need to call someone else to discuss the issue. I sent over XXXX e-mails also with no response back from the loan rep. Quicken finally refunded XXXX of the XXXX but will not refund the remaining or give me a reason for the charge or copies if the doc that I signed that gives them authorization to charge me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: AXOS FINANCIAL, INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I put in a withdrawal on XX/XX/XXXX for {$500.00} and I still have not received any of my money or bank statements from this company. This is for Axos bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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've never had an account with XXXX XXXX. This error must be removed : XXXX XXXX - {$1700.00}. It's hurting my credit score for to long now. Ridiculous.

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 2016-07-06
Company: BB&T CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BB & T decided to close a bank account for which I was using their paperless program. Because I was given no warning of the account closure, I do not have copies of my records. I need the information from my account in order to do my taxes. They 're now trying to force me to go to my local branch and print physical copies, for which I would be charged {$5.00} per page and {$5.00} per check. As I had several checks daily, this is an overwhelming amount of money for my small businesses. Also, I do not see the point of printing these records, digital is preferred. The following account is affected. 
Name : XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Mailed Midland Credit Management detailed legal requirements for validation of an alleged debt. All they sent back were statement copies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I initially took a loan in XXXX and Cardinal Financial registered the mortgage with my county clerks office in XXXX. I'm in the process of selling my home and the title company informed me that Cardinal Financial registered two mortgages with my county clerk office. One in XXXX and another in XXXX. When I received copies of the filings, I realized that Cardinal Financial filed duplicate mortgages using the initial VA mortgage from XXXX and filed it again in XXXX. My home was set to close in 4 days and this erroneous duplicate lien on my property is causing extreme hardship on my family and increased closing costs. My closing has been indefinitely postponed. I reached out to Cardinal Financial and sent them copies of the duplicate registrations to try and get one discharged. I was told it would take 30 business days for them to correct an error they made. I feel it is very unfair of an institution to make an error causing severe consequences to a consumer and not be liable for the damages caused. Most Financial institutions can resolve a lien immediately when its correctly filed. There should be some urgency when institutions file them incorrectly. Cardinal Financial has not been cooperative in finding a resolution correcting an error they made. There should be some safeguards preventing an institution from filing erroneous liens on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Alliance One, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have a Platinum XXXX card, and I missed paymebts due to unemployment. I contacted XXXX XXXX to bring the account current. I was informed the account was being handled by Alliance One. I contacted Alliance One to bring thr account current. During my first call, I was assigned a representative. The next day I called to provide banking information. I left a voicemail. Thirty minutes later someone else called me back and told me the representative was out sick. I was hesistant and opted to call back. Following, the manager called me back, the same day, and shared thr person was not sick but employed somewhere else. He shared he was the manager and would assist me. I provided him with banking information and permission to deduct XXXX from my account to bring the card current. It was deducted from my account and another representative called to collect payment. I shared that I brought the account current and my next payment was not due until XX/XX/XXXX. This was the predetermined day I shared with the first and second representative. He shared that I needed to pay them becuse I had not made a payment the first one. He shared, " I mean I see your big payment, but you need to pay again. '' I said, " It 's nor due. '' He said, " I 'll just keep calling until you pay again. Why wo n't you pay? You were five months behind before your big payment. '' I told him I discussed it wit the manager and first representstive. I told him he was rude, and he said " well. '' I shared I would call back on XX/XX/XXXX and predetermined. He shared again that they would continue to call until then. I contacted XXXX XXXX to make a complaint. They informed me that a payment was not due for three weeks. The Alliance One representative is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A States I have a 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.

Company response to consumer: Closed with explanation