BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-02
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX 2015, I was issued a mortgage modification from USbank with an interest rate of 4.95 %. The mortgage is a XXXX XXXX mortgage. According to the XXXX XXXX website, banks who service XXXX XXXX loans must use their standard interest rate on all modifications. On XXXX XXXX, 2015, the XXXX XXXX rate was 4.125 %. A month prior to that it was $ 4.0 %. Why is there a discrepancy between what what XXXX XXXX is issuing and what my Usbank ( the servicer ) is charging me? Many thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ocwen Loan Serving LLC reported my payment for XX/XX/XXXX late. I contacted Ocwen and told the my payment was sent thru XXXX XXXX in XX/XX/XXXX. Ocwen checked and my payment was sent in cash thru XXXX XXXX in XX/XX/XXXX. Ocwen corrected my credit report in XX/XX/XXXX but they did not correct their internal records.Their records show the payment received XX/XX/XXXX. I am trying to refinance my other house. When XXXX XXXX asked Ocwen for a payment report it said my payment was late. That is not true. This could stop me from refinance my house to pull out cash to help my daughter pay for College. She is XXXX at XXXX University. Also I had some debt that I was going to pay.

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 2020-09-30
Company: RentDebt Automated Collections, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I SENT RENTDEBT AUTOMATED COLLECTION LETTERS ON XX/XX/2020, XX/XX/2020 AND XX/XX/2020 AND I HAVEN'T RECEIVE ANYTHING CONCERNING THE ALLEGED DEBT OF XXXX THAT I DON'T OWE.I HAVE ATTACHED COPIES BELOW FOR MY RECORD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I was contacted by a XXXX to contact XXXX with a file number XXXX. I contacted the number and everyone i talked to was rude. The voicemail stated that there was a case with my apartment complex. The XXXX person I talked to was XXXX XXXX every time i asked a question she was rude. She stated that I was going to be served today and I looked on the county website for any court documentation and there is none. She stated that they have the right to garnish my wages and that information is being sent to my payroll department when I get served. She stated that in Ohio debtors have up to XXXX years to collect a debt and they are requesting that all my bank accounts are closed immediately and I wont be able to open a account within the next XXXX years. They said XXXX has tried to contact me. They said the FDIC is looking to sue me and have no problem doing it. He said they will put a lean on my car and they see based on my credit report that I have been making the payments and I have a nice job so why not sue you. I asked about the date the compliant was filed in court and i was put on hold then a guy named XXXX XXXX. As soon as he got on the phone he started saying since you want to be diffcult in the state of Ohio we have the right to collect the debt up to XXXX years you will never get away from the debt. You have a good job so we are going to sue you if I dont pay large amount by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XXXX/XXXX/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 XXXX data breach and may have got into the hands of the wrong person ....

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 2016-11-15
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Other

Complaint:
My son XXXX moved to XXXX, XXXX and had the post office forward his mail to XXXX. 
Without my knowledge, the post office asked Home Depot to change my billing address from XXXX, XXXX to XXXX. 
Home Depot changed my billing address to XXXX without my knowledge and without notifying me of the address change. This caused me to be late on a {$30.00} payment ( the total statement balance ). When Home Depot called me by telephone to notify me I was late, I immediately paid them over the phone by debit card. 
My name is XXXX ; it is not XXXX. I am sure the name similarity contributed to the oversight. 
I called Home Depot card issued by Citibank and the bank reversed all late fees and interest charges. However, neither Home Depot ( Citibank ) or the credit bureau has removed the mark against my credit score which dropped about 100 points to 755. 
I have explained this three times to both Home Depot and the Credit Bureau. 
Home Depot told me to work it out with the credit bureau. However, when the credit bureau calls Home Depot, Home Depot ( Citibank ) tells the credit bureau that it was n't the banks fault because the post office told Home Depot to change my billing address. 
The one credit bureau I talked to ( XXXX ) did remove the erroneous previous address ( XXXX, XXXX ) from my credit report. 
I 've had a near perfect credit rating and I believe this is an unfair billing practice and I want my credit rating to be restored.

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 2015-05-30
Company: U.S. BANCORP
State: IN
Product: Credit card
Issue: Other

Complaint:
US Bank removed the following feature from the terms of service after I paid an annual fee, specifically for this and other features. 
" Bonus Award Night - Redeem XXXX for XXXX or more consecutive Award Nights and the last night is free. Exclusively for cardmembers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: CITIBANK, N.A.
State: NC
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 have 2 closed accounts Citi cards and XXXXXXXX XXXX. I got I contact with both of them and they agreed to remove to account if I paid the accounts. I paid them and they still on my report. They was prepaid cards and I haven't received my deposit back yet either.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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.

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 2015-11-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My account just hit the 30 day past due and I kept getting calls from this company asking to pay the balance immediately or they were going to garnish my wages. It 's not the first time this company does this. In previous occasions my account was n't even 10 days late and I was getting calls at work, they also called my sister and told her that if I did n't pay they were going to garnish my wages. They always threat to garnish wages even if the account is not 30 days late so that I can make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/2017 After the hack of Equifax, over a 100 million Americans social security numbers were hacked because this company has no proper authority to keep our social sec. numbers in their databases. This is wrong and one of the problems with companies like this not having good security protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was facing difficulties with XXXX XXXX, Specialized loan Services my mortgagor put me on a forbearance plan. While on their approved plan in XXXX of XXXX they charge me a late payment processing fee. 
On XX/XX/XXXX I was told the plan was ending on XX/XX/XXXX. 
I managed to pay back in full all the amount due in XX/XX/XXXX. 
In XX/XX/XXXX they charge me another late fee again for late payment while still on the forbearance plan and while I paid in full the amount past due in the statement I received from them in XX/XX/XXXX. 
Now they took the full payment I made. They take some money from it to pay advance principal payment and the following month I still get a bill not showing XXXX balance due.. that is the game they played til now. 
To make things worst now they say I owed total '' XXXX for 2 fees for being late on XX/XX/XXXX and another late on XX/XX/XXXX while since XXXX I repay back full payment showed on the statement I received from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I can create e-mailable attachments for all I represent below : I received an offer from Citibank regarding a balance transfer offer. There are XXXX sheets, a promotional page designed to encourage me to take the offer and another page which are balance transfer checks with a bridging perforated piece of the sheet to tear them out from, and on that page there is a different fee than on the biggest print letters in the top portion of the first page. 

The particulars are this : A fixed date in XXXX 2017 the offer reverts [ thus, the longer I am made to wait for a response, the incrementally less the offer is worth pursuing ] for 0 % for the life of the transfer for an up-front fee. On the largest font print on the top of the form in a distinctive color it says the standard fee is 3 %. On the fine print part of the XXXX page the rate says that for this offer the rate is 4 %. 
I have received these offers for months with different particulars ; however the immediately previous offer in fact was for the standard 3 % rate and that part of each offer page is identical in all cases. [ I receive these roughly monthly and so does my wife ; I have to believe thousands of others do as well. ] I pointed the discrepancy out to a Citi customer service phone center supervisor, who agreed with me in principle that I deserved the 3 % rate, but I needed to FAX the forms in so they could review it ; I complied, and was told I would get a snail-mail response, which I did. It is merely a likely form letter that just states the offer is 3 % and really does n't address the issue of the unreconcilable statements on the XXXX pages in each mailing. 

Thus, I have physical documentation of their position, and my position is that this is false advertising. Thus, I am here writing to you for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been contacted by representatives at US Bank regarding a Reserve Line I have that was closed by US Bank and is in pay down status. The amount on the Reserve Line was {$1500.00} and was closed a few years ago and still owe {$720.00} mostly due to Fees and Interest. In 2015 I have been assessed Fees of {$140.00} and Interest of {$100.00} just in 2015 alone. I called US Bank and was quickly transferred to a representative and explained my financial hardship and was told fees and interest could not be reversed. I feel I have paid thousands of dollars to US Bank in Overdraft, Fees and Interest over the last twenty years that the US Bank representative should have negotiated a pay down balance to {$400.00} and I would pay off the balance over the course of a year. I am currently between jobs not by choice but because I am not able to find work. I am trying to get on Social Security XXXX to get my life back. Right now times are hard for me and US Bank representatives are making it more difficult.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint is a follow up to complaint number XXXX. 

Wells Fargo Bank NA did not address the main point of the above referenced complaint in their letters of XX/XX/XXXX & XXXX, XXXX. I did respond to their letters, on XX/XX/XXXX, pointing out their failure to understand and address my complaint, which is the refusal of Wells Fargo to recognize that the facts as presented to them, have created a dispute about the unauthorized electronic transfer of funds, as described in Regulation E of the 1978 EFTA. 

I am awaiting a reply from Wells Fargo to my letter dated, XX/XX/XXXX requesting that the bank accept the legal fact that, under Regulation E, there is a dispute between a financial institution and a poor American consumer.

Up to the date of the filing of this complaint, Wells Fargo has not responded to my reply to their letters. Therefore, I am requesting that the relevant authority at the cfpb, issue a notice of charges alleging a violation of the consumer protection statue, known as Regulation E, which forms part of the Federal EFTA of 1978. My prayer is that such a notice would initiate an Administrative Adjudication Proceeding before the Administrative Agency Tribunal as soon as possible. 

It has been almost one year since the unauthorized transfers of the {$18000.00} took place. Wells Fargo disregarded our affidavits along with other evidence showing that the transfers were not authorized by me or anyone else known to me. I provided every relevant evidence to support the type of financial situation reflected in Regulation E, the statute that assists the consumer ; However, Wells Fargo refused to reverse their decision that says, that I or someone known to me, made the transfers or authorized someone else to do so. They have declared the cases as closed. 

The purpose of this complaint is to legally make charges alleging a violation of the consumer protection statute known as Regulation E. I am looking for a ruling in my favor from an administrative judge. 

XXXX XXXX XXXX, consumer.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 # 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 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 non-monetary relief
Consumer complaint received 2016-06-08
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My payment has always been under {$2100.00}. My XXXX XXXX was for {$5100.00}. The tax bill sent was for the entire parcel of multiple units. I notified Ditech immediately. They basically told be it was my problem. I contacted the XXXX XXXX Tax board and provided Ditech with the contact phone number. I have continued to make {$2100.00} payments. They have not addressed the issue. They are also charging me for insurance with is paid to the association as is customary. They are charging me late fees and reporting my payment late to the reporting agencies. I have talked to several Managers. Most recently XXXX XXXX at ext. XXXX. He has done nothing to help and does not return my calls. This Company seems totally without concern or customer service. I want so bad to get away from this Mortgage Company but they have ruined my credit so I can not refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
We were late with XXXX payment and Speedy Cash hit our bank account for XXXX without notifying us. This caused major problems with our bank account. XXXX of our credit card account payments bounced and created a bad mark on our credit and we were in the process of qualifying for a house. That made us not qualify for the house and we are having to start over. Also we found out that Speedy Cash sold our phone number to other loan places and we were getting many calls from other loan companies. We had to change our phone numbers.

Company response to consumer: Closed with explanation