BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-16
Company: U.S. BANCORP
State: CT
Product: Credit card
Issue: Advertising and marketing

Complaint:
Well I 'm a XXXX with limited credit history. I work and receive public assistance. So I want to build credit because I 'm XXXX with limited credit because I went though a rough period in my life from age XXXX-XXXX. So I went to Peoples united banks website and saw that they offer a credit card to college students with limited credit history. So I applied and was rejected so I called XX/XX/2016 to ask why was i rejected. The Person on the other end told me i was rejected for limited credit history. After arguing I asked to speak with the manager. The manager told me i was denied for limited credit history then it was because i have n't had a line of credit since 2012 so he said it had to be recent credit history then he told me that they could falsely advertise because they had hidden terms i could net see on the website when I applied for the card ( meaning it was n't available in the fine print ) so I ask can I speak with his manager and i was put on hold where I hung up. The last thing He said that he was going to put in a complaint. So I hung up because my father works for XXXX call center he told me that they put angry customers on hold and tell them things to get them off the phone ( like saying he was going to put in a complaint about false advertising ).

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 2021-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've had a Capital One Platinum card for over 8 years and never missed a payment. Capital One currently advertises this card as having no annual fee. My account, however, has a {$29.00} annual fee, which customer support has advised me is " grandfathered in '' and can't be waived. When I asked why a new customer can sign up with no annual fee, whereas a customer with 100 % on time payments for over 8 years must pay a grandfathered fee, the explanation I was given was " it's just the card terms. '' Capital One has repeatedly refused my requests to either permanently waive the annual fee, or upgrade my card to a Quicksilver Rewards card. 

This is a nothing less than a predatory practice by Capital One the only way to avoid the annual fee is to cancel the card, and absorb the resultant damage to one 's credit report. Capital One is effectively holding my credit score hostage for ransom.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Ditech Financial LLC
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from XXXX dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The first discharged {$24000.00}. We heard nothing from XXXX or XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. At this time we heard from Ditech Financial LLC. 
Ditech claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: ECMC GROUP, INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Collector debit bank account removing XXXX benefits and refuses to accept responsibility for actions despite documentation showing their error. This is on a tax lien which is owed, however XXXX benefits are exempt according to documentation given to me by the collector. I have spoke with XXXX and am in the process of a hardship submission. Premier Credit refuses to work with me and has placed my held in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged excessive overdraft fees by U.S. Bank checking account. I would check the account every morning and night and discovered that I was getting overdrafts from three days ago when they said my account went negative. I then talked to a supervisor and told him that very morning my account was positive XXXX dollars at XXXX XXXX and then at approx. XXXX in the afternoon my account was suddenly negative XXXX dollars because they charged XXXX overdraft fees for XXXX day.

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 2017-02-02
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/XXXX, Costco switched from accepting XXXX to Citi Costco card. Someone received my cards ( join accounts ) and used it to the max of my credit line - XXXX in one month ( XX/XX/XXXX ). I did not find out until XX/XX/XXXX when I received the statement. I called in and talked to the customer service specialist regarding the fraudulent charges and identity theft because someone called in and activated my cards as well as used I it. In the last seven months, I have been talking to several people of the two departments - Fraudulent ( XXXX, XXXX, XXXX - XXXX ), and Security Investigation Services ( XXXX, XXXX, XXXX, and XXXX - XXXX ). Every one of them told me the same thing that they will investigate and put the memo on my account to make sure that the collection department wo n't call me again unless they need my assistance with the investigation. But it was not true, every day I receive a call from collection department ( XXXX ), most of the time I ca n't a answer the calls because I am at work. Whenever, I can answer their calls and asked them if there is any note regarding the on-going investigation of the fraudulent charges on my account but they said that there is no memo on my account at all. Except the last time, on XX/XX/XXXX, I talked to XXXX ( security dept. ) and XXXX ( fraudulent ), and on XX/XX/XXXX I received the letter from Citi bank informed me that they investigate my case and need the police report if I have one. 
The bad things about this issue are in seven months the bank does not do anything after I told them about the identity theft and fraudulent charges on my accounts, only one thing they is doing that is calling me to ask for the payment which I have not spent. The worst thing is they report to the credit bureau about the delinquencies of the payment ; this caused my credit score drop from XXXX to XXXX. Because of this low score, I I ca n't apply for XXXX credit as well as refinance my house for the low interest rate.

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 2021-12-31
Company: EQUIFAX, INC.
State: TX
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:
I haven't receive any response from the bureaus. I have sent off multiple letters this doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attempting to have me acknowledge owing a debt over 7 years old and was paid off prior to 7 years. Explained to debt collector this debt was paid in full and is over 7 years old.  Debt collector said they will seize my paychecks until this debt is paid off to them. I explained i have paperwork showing full payment made and to not contact me further. They threaten to contact my employer and family members until i start paying them. This is harassment and should be illegal to try to collect debts that are not owed and past the 7 year mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied at XXXX apartments today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: MIDFIRST BANK
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My house was damaged by a tornado on XX/XX/2020. The insurance check includes our mortgage company, Midland Mortgage, on it. We have provided contractor estimate for roof repairs as well as photos of the temporary repairs and debris we removed personally. Midlands still refuses to provide any of the funds even though the cost estimates exceed the {$5300.00} check. We can not begin repairs until we have the funds. It is hurricane season and I fear for the safety of my family with a damaged roof. Im beginning to think they just intend to steal the 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 2021-12-31
Company: EQUIFAX, INC.
State: MI
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:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. which is false and misleading.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2016-07-15
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a Realtor representing a seller in a short sale. When we started this process 2 years ago, the lender was XXXX XXXX XXXX who subsequently service released to XXXX, subsequently they service released to XXXX who service released to GreenTree who was taken over by DItech. We have submitted all of our paperwork multiple times, and the delays that are deliberate have killed several potential sales. The company DItech, has been deliberately dragging their feet and avoiding processing our short sale packet, and as we have obtained a new higher offer, they have announced that they are service releasing, but not until the foreclosure goes through. 
All we are asking for is that the banks comply with the terms of their settlement, and actually review short sale packets in a timely manner, without service releasing when it becomes obvious that a short sale is the best solution for the borrower, and the property. 
We have been watching first hand the corporate agenda to take advantage of XXXX XXXX for their bottom line. The practice has n't changed and wo n't until they cause another collapse with their un-checked greed. I am working very hard to save someone 's credit life, and all we seek is the oversight to ensure the banks give our short sale packet a fair chance at unbiased review.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello, I financed a vehicle from XXXX of XXXX XXXX on XX/XX/XXXX. The amount of the car was {$11000.00} plus tax and fees, the total came up to {$16000.00} and I paid XXXX of XXXX XXXX {$2000.00} cash as my downpayment. So the remaining amount is {$14000.00}, and XXXX of XXXX and I agreed on {$330.00} as my monthly payments for 48 months. My loan got approved by Chase Auto and I received a statement of my Chase Auto account on XX/XX/XXXX and its showing my loan amount as {$16000.00} and my monthly payments {$380.00} for 48 months. I called XXXX of XXXX XXXX the same day and texted my salesperson and explained them what happened, they asked me to come in at their dealership so they can take a look and try to resolve this. So I went there, they said everything is correct from their end, and I should call Chase Auto and see what happened. I called Chase Auto that same day but could not get ahold of anyone. I had been calling them since but unfortunately their office was closed. I finally was able to talk to a Chase Auto representative on XX/XX/XXXX and explained them what happened, they told me that it does not show the {$2000.00} downpayment in their record, but I told them that it does show the {$2000.00} downpayment on my contract, Chase Auto asked me to call XXXX of XXXX XXXX and have them send Chase Auto another copy of the contract. I called my salesperson from XXXX of XXXX XXXX again on XX/XX/XXXX and told him what Chase Auto said about the {$2000.00} downpayment. He said that XXXX of XXXX XXXX sent Chase Auto the same contract that I have. I have no idea what to do now. I have tried everything I could.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a Federally Protected Consumer, the Original Creditor, and its Principal and Authorized Representative for on all accounts created by my seal/signature, As of the date of this letter you SEQUOIA FINANCIAL SVCS have violate FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )  XXXX XXXX is violating HIPPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied at XXXX XXXX  today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX  XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied at XXXX XXXX  today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX  XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.

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 2017-02-16
Company: U.S. BANCORP
State: MO
Product: Credit card
Issue: Privacy

Complaint:
I received an email from US Bank stating that I was past due on my credit card. I have always paid my balance off in full every month. I called on it, and US Bank somehow changed my address on my account. They were sending my statements to an old address ( XXXX, XXXX, MO ). Then, they hit my card with late fees and interest, and they said the address could only be changed by us calling or the post office. I NEVER authorized my address to be changed. Then, they have hit my card again with a late fee and more interest charges as we have been trying to resolve the problem. Now, my privacy has been disclosed and my card # has been given to whoever lives at XXXX, XXXX, MO. I called them again tonight to see what is going on, and now they have reported it as a late payment on my credit bureau. I have perfect credit, and now it is going to take forever to get this situation resolved. I asked for a letter from US Bank stating this was their error and that I wanted it to be taken off of my credit. But, the manager ( XXXX ) stated that I would have to write a letter to their dispute department even though it was their fault my private information was being sent to an old address. Then, I asked how do I file a complaint with the CFPB, and they did n't know. 
Anyway, I just want this cleared up where it does n't show on my credit history as a late payment and a letter from US Bank stating this was their error.

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 2021-01-24
Company: MEGASTAR FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a form to MegaStar in XXXX to have biweekly automatic drafts taken out of my account. In mid XXXX, I received a letter confirming the set-up, but my bank account number was typed wrong. They had changed a 2 to a 7. I called to get this fixed the same day. The people on the phone said I couldn't change it on the phone, that I needed to send in a new document. I immediately logged into the website and went to chat. I told the person in chat what was wrong. He had me upload the corrected form ( I typed it this time rather than handwritten ). He said he would send it to the payment people immediately and it would be fixed. The first time the draft was supposed to come out of my bank in XXXX, it didn't happen and I received a letter saying NSF had occurred, I chatted with the company again that day. I asked if they would remove the NSF, they said they couldn't, but had me upload another drafting form to fix the problem again. I was reassured the problem was fixed and the first draft would be on the XXXX. This has gone back and forth several time with me mailing copies of the chats and new draft forms to the company. I was hung up on at least once. Now, I received notice that the NSFs number 3 and I am no longer allowed to make any form of payment other than certified check or money order. I have never been late with my mortgage. It has always been paid ahead due to the need to be ahead prior to a draft.

Company response to consumer: Closed with explanation