BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-25
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
They are reporting XXXX and light on Equifax. They are reporting the same account twice. When I mentioned this to the equifax rep they said well the account number is the same, the balance is the same, but the date opened is NOT. Therefore it is NOT a duplicate by our standards. I contacted XXXX and light. They said to me that they do NOT report to equifax they report to XXXX and furthermore they had NOT received ANY response from equifax regarding my dispute!!! So equifax is n't even investigating my dispute at all!! They also said that there is only XXXX account and have no idea where equifax is getting their information. They are mailing me a form to fill out regarding the XXXX account that is in dispute. Equifax refuses to investigate anything I dispute. They do NOT investigate my inquiries. Within two days they come back with their findings!! Their agency needs to be investigated for failing to do their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Equifax however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Equifax and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Equifax and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a dispute to Equifax XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery. I am requested this information be deleted per the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: U.S. BANCORP
State: SD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Our daughter worked for U. S. Bank Home Mortgage in XXXX, MN. She passed away unexpectedly on XX/XX/2016. We, her parents, were beneficiaries of her XXXX savings plan. We have collected the proceeds from that account. We have since received a XXXX which shows there is income tax due on a distribution of XXXX of dollars, which was supposedly used to pay off a loan against this account. We have no knowledge of this loan or payment. We have been trying for weeks to get an annual statement of this account which shows us the dates of loan and payment, how the request for a loan was made, to whom the loan was distributed and how was it distributed. We see no evidence of that amount of money being deposited in our daughters account. We were told that as beneficiaries of this account, we were entitled to this information. We have called them numerous times and talked to various people that always refer us to someone else. ( They have put us on hold for over 50 minutes some times. ) They never call us back as they said they will. It almost seems that they have something to hid and hope we will just go away.

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 2017-03-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Daily, continuous automated calls from XXXX. Recording advises of an urgent, important matter regarding my daughter who has not lived with me for numerous years. I press XXXX ' as instructed to speak to an operator and then the line hangs up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Earlier this week I opened a new money market account online. My account is a joint account with my wife ; however, the process to open the new account online included me providing my driver 's license, and none of my wife 's information. Several days later, the new account appeared online, in their online banking system but did not display the interest rate ( likely under 1 % ). I called the XXXX number to speak with a customer service agent and they advised me that I was not on the account. I explained that the account was opened by me using my driver 's license. Also, I had authenticated with them with the password on my account. Since I was logged into their online banking portal, I could provide complete account number for all XXXX of my accounts, including a checking, XXXX savings, and a mortgage account. I asked to speak to a supervisor or manager so I could understand the protocol around authentication and account ownership. I was once again advised that I do not own or have access to the new savings account opened earlier this week. I asked who opened it and they again stated they were not allowed to discuss the account. I will likely be closing my account after the rude treatment and lack of service. I 'm not sure if there are regulations which protect me from not being able to get access to my money or account information, but the whole experience just seems backwards. It is sad to end a banking relationship with a bank I have trusted for over 10 years ; and also it is annoying that I will have to reroute a handful of auto-payments for utilities, etc to a new financial institution. Oh well, I guess BBVA has too many customers, and their cost of customer acquisition must be very very low. Good for them, bad for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I fell behind on mortgage. I called US Bank to work out, they told me to send XXXX and I would pay a little additional each payment. Sent that amount, they returned payment to me claiming they received it late and it was not certified. I called them, they told me me I could do again but needed to pay more {$4100.00} certified, told them I would send when I got paid on XXXX XXXX, overnighted to them. It was a weekend so they received on the XXXX. Was told - sorry you needed to have it here by the XXXX - we sent to foreclosure. Now they say in order to reinstate need {$9600.00} only.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I originally had a home mortgage loan with XXXX XXXX XXXX but they transferred the account over to US Bank back on XXXX XXXX, 2016. I have always paid my mortgage 1 month in advance therefore I sent my payment to XXXX XXXX XXXX before I received correspondence that the loan had been transferred. XXXX XXXX XXXX had sent my payment history over to US Bank at the end of XXXX clearly documenting that my payment was received by them and applied to the account in XXXX for the XXXX payment. US Bank has requested and received every document, bank statement and cancelled check regarding this account. US Bank has been very difficult and lack luster in providing good customer service to get this matter resolved. I can never speak to a manager, dates to resolve this case have been given to me since XXXX XXXX, 2016 my first point of contact date with this banking institution. Nothing is getting resolved no matter how many times I call, just more false promises and being tossed around by reps. I get regular phone calls several times a week that are harassing and letters that reflect incorrect information about this account. I do not owe any additional payments because I have never been late. US Bank has not been able to submit the proper recording of information into my file which would make it current. This is the worse experience I have ever had with a bank let alone as a first time homeowner. They have been nothing but difficult, unprofessional, poor communicators and horrible with their customer service skills and problem solving abilities. They have also used me to participate in their backroom banking operations process between banks that I know nothing about or should be involved in at any time. This matter should be resolved between banks not the consumer. US Bank needs to record the XXXX payment that XXXX XXXX XXXX issued them and make the account current.I ca n't understand the confusion if all the documentation is present for US Bank to record.

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 2015-07-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have had water damage to my property and the mortgage company 's lost draft department gives me different answers every time I call. I am never able to speak to a Manager or Supervisor, they are always in a meeting. Online they have requirements that are outdated. As a consumer, how can I follow a process that is incorrect no matter what source you contact or research online. The water damage happened on XXXX different areas of the property and they combine both claims conveniently to allow then to put me through the monitored process. If the claims were separated I would not even qualify for the monitored process. I have paid monies out of my own pocket to begin the repairs but they are refusing to release the funds to reimburse the monies spent or for other items such as appliances and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A woman called from XXXX to MY WORK numberXXXX todya XXXX/XXXX/2015 at XXXX XXXX XXXX times. She would not say her name, her company or what this was about. She wanted to speak to my supervisor and claim if I did not provide payment today she would go to my HR department.

Company response to consumer: Closed
Consumer complaint received 2016-02-07
Company: U.S. BANCORP
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I want to get my last name changed back to my maiden name with US Bank Home Mortgage. I currently have a mortgage through this bank. I was legally divorced on XXXX/XXXX/XXXX. I called US Bank in XXXX XXXX and notified them of my request. They mailed me a name change packet and requested documentation. I filled everything out and mailed it back. Since I did n't hear back from them, I assumed the name change had taken place. In XXXX XXXX, I received a copy of my annual escrow account disclosure statement and noticed my last name was still my married name. I called them to inform them that the name change had not taken place. They stated they did not have a copy of my final divorce decree. I asked them to look into the documentation that I submitted because everything was in the same packet so if they received all of the other documents, they should have the divorce decree. I did not receive any further follow up phone calls or emails to notify me of the results of the search. I called again on XXXX/XXXX/XXXX and they stated they still did not have the copy of the divorce decree so I faxed over the copy to the fax number that they provided me. I continued to call to verify they had received the document. I was told that it takes time for the bank to receive the information and then update my account. I called on XXXX/XXXX/XXXX and was told they still had not received the divorce decree. They gave me another fax number which I faxed the document to. I called on XXXX/XXXX/XXXX and they confirmed that the document was received but it takes 7-10 business days to update my account. I called again on XXXX/XXXX/XXXX, which was 10 business days and was told the account was still not updated. This time, the person I spoke with called another person to check on the status. She informed me that there was no documentation as to why the name change had not taken place and that this person would call or email me. I never heard anything back from anyone as of yet. I am writing this to ask for assistance in getting US Bank to change my last name to my maiden name. I have made at least 20 phone calls since XXXX XXXX and I still have not been able to resolve this. There has been no communication from the bank to me, NO COMMUNICATION, I have current email and phone numbers with them. I need to file my taxes and can not do so because they have the wrong last name. They also sent me a refund check on my account, which I can not cash, as the check has my married name listed. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with US Bank and refinanced and closed on XXXX/XXXX/XXXX. The appraisal for the XX/XX/XXXX refinance was {$380000.00}. I was told I would have to wait until my loan was 5 years old before having the PMI removed. On XXXX/XXXX/XXXX, just before my 5 year anniversary date I contacted US Bank to have the PMI removed. My home value on XX/XX/XXXX per the current market was over {$500000.00} and my loan balance was {$310000.00}. The first representative indicated that I could arrange through US Bank to get an " abbreviated '' appraisal for {$150.00} such that my new LTV was based on current market. She gave me a fax number and email to submit my request to. Upon submitting my request I received a canned text letter back stating the LTV must be XXXX % of original loan value and that HUD does not take into consideration current market value of property. That it 's based solely on the information from closing ( which would be the XX/XX/XXXX old appraisal amount of $ XXXX ). I let the issue go then recently logged into my account and noted that I am now well below the LTV they previously indicated I needed to be to have the PMI removed. Do you think they went ahead and proactively removed it!? NO, of course not. I placed another call and the representative I spoke with again mentioned and questioned why I had n't paid the {$150.00} for an updated appraisal. He said he would contact the PMI department, have them send me a packet in the mail and that I should review the packet and see if I can find anything related to the appraisal option. So I waited for the packet to arrive ... Instead of a " packet '' arriving what I did receive was a XXXX page letter indicating that I 'd met the HUD requirements for terminating the monthly MIP and that they 'd notify HUD and update my monthly payment amount. I would like to be reimbursed for all months they charged me MIP from XXXX/XXXX/XXXX to todays date. It was I that proactively reached out to them several times requesting for it to be removed yet they A. ) did n't give me the appraisal option such that the value was based on current market - as they apparently have for other customers and B. ) continued to charge me the last few months for MIP when I was already at the level they outlined in their letters.

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 2016-06-01
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After my home was destroyed, I sent a large check to U S Bank Home Mortgage to pay off my mortgage, and asked them to return the remainder to me asap. After paying off the mortgage and after the check had cleared the bank, U S Bank Home Mortgage still insisted on holding the remainder of my money for three more weeks. There was never an escrow account with them, and I can see no reason for them not to return the money to me in a timely manner. The only answer I can get from them is ... .that is their " policy ''. The destroyed home needs to be bulldozed and rebuilt. That is three more weeks for a dangerous structure to stand and attract mice etc. The neighbors need to be considered too. If there was a reason other than " policy '', perhaps I could understand, but there does n't seem to be. There has never been a late payment or any problem caused by me for U S Bank Home Mortgage.

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 2017-02-09
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
We were notified in a letter from U.S. Bank that a credit card issued to my wife had expired. Neither my wife nor I applied for that credit card, which I was told by a U.S. Bank representative, was opened in XXXX. I am shown in U.S. Bank records as an authorized user of the account, but it is my wife 's name. She has never applied for a credit card solely in her name since we married almost 35 years ago. 

We do have an existing credit card with U.S. Bank, which we think was first opened in XXXX, that is a different number than the XXXX identified in the letter.

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 2015-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Disputed with the XXXX credit reporting companies XXXX Equifax XXXX XXXX but have not received any final response. While Equifax provided a dispute number others did not. 
XXXX The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned XXXX personal phone with a pre-paid or pay as you go plan. I came across XXXX such planwith a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here XXXX with " {$0.00} on fees & $ 35 monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days XXXX XXXX = {$12.00} XXXX. 
However I ended up receiving an invoice for {$54.00} XXXX that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like XXXX to intervene and advise XXXX & XXXXcredit reporting agency tocorrect this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is intentionally reporting incorrect information and not removing items when directed by the creditor. I am in the process of filing a XXXX dollar law suit against Equifax. I recently disputed the XXXX XXXX account with Equifax advising that my payment history for this account is not correct. Equifax decides to complete the investigation on XXXX/XXXX/2015 which still shows the account as delinquent. Equifax could have not completed a complete investigation as XXXX XXXX sent Equifax notice to update the account on XXXX/XXXX/2015. Equifax has caused me damage and continues to be malicious in it 's handling of my credit file. Attached is a copy of the record that XXXX XXXX sent to Equifax to update the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following account is back on my credit report after Equifax deleted the account on my credit report on XXXX XXXX, 2016 : Account : XXXX XXXX This account do not belong to me. Review Equifax Confirmation Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Seterus, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During our application for a HARP rate reduction, our mortgage servicer, Seterus, advised us that in order to qualify for the rate reduction, we needed to be in arrears on our mortgage payments. We were current on our payments. Of course, that information is not accurate. Once in arrears, we were told that we could not be eligible for the rate reduction. Seterus initiated foreclosure. We immediately brought the mortgage note to current status and were subsequently approved for the rate reduction. However, the damage to our credit rating as a result of Seterus ' actions have been massive. 
Seterus is unwilling to return our attempts to contact or to consider removing the issue from our credit reporting agencies. 
We recorded the Seterus agent advising us to stop making payments. Seterus remains uninterested in assisting us. 
We will, in addition to this complaint, bring legal action locally in XXXX, NV against Seterus, after resolution of this complaint.

Company response to consumer: Closed with explanation