BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXXUSBank Loan # XXXXThe short sale was started XXXX/XXXX/2015 with USBank. Today we were told, by an obviously new and clue-less employee of USBank, that borrower does not qualify for the HAFA relocation incentive " because they did not qualify for HAMP '' So ... .... If someone does not qualify for a loan mod they are ineligible for a relocation incentive???? 


***SERIOUSLY????????????????? 

What does one have to do with the other? 

The employee at USBank was unable to explain why or how USBank came to this decision. 

USBank is obviously understaffed and refuses to train their employees as to not only Federal Guidelines, but also the basics of todays mortgage industry - which includes HAMP and HAFA. 

Does USBank even know the difference between HAFA and HAMP? 


The absolute worst part of all this is that ON USBANK 's OWN WEBSITE it states on page XXXX in the paragraph titled " The Making Home Affordable Program '' : This program has XXXX different options for homeowners - one for loan modification ( HAMP ) and another for refinancing ( HARP ). If you do not qualify for these options, you may qualify for other foreclosure prevention alternatives ( HAFA ). 

It is obvious USBank is purposely not training their employees in an attempt to defraud their own clients, investors and the Federal Government. We already know they think they are bigger than the Federal Government. We have these isues on ALL our files with USBank. If the CFPB would like further information to aid in their next fine against USBank, please let us know. We have closed over XXXX short sales and would be able to provide substantive documentation from our detailed notes, emails, and documents in our short sale files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX put late payments on my account. 

In accordance with the fair credit reporting act XXXXXXXX  account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2022-11-09
Company: National Credit Adjusters, LLC
State: AZ
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:
Well this all started when I got out of XXXX and I wanted to build my credit looked on my credit report and found a collection but it's not mine and during the time that they said that my collections were there was taken I was XXXX and lXXXX XXXX  and homeless I had no job no way of getting a loan they can't give me any information on who it was or just it was an online account and that and that's all they could give me I file do XXXX XXXX and XXXX since XX/XX/XXXX I've done it three times up until XXXX XXXX  the last time they they denied my disputes. XXXX in the other hand I can't figure out cuz I can't afford to pay for their site right now but they dropped the collections and I had them dispute it for me and I can't get any information on what this dispute said but it dropped off my credit report to them so I ' know fraud and they figured it out cuz I know it just brought. Looking at my report of that other thing other loans taken out of my name that weren't mine I've had my identity stolen since XXXX XXXX. When I talk to them they're giving me different dates and when the the loan was actually taking out but their dates is XXXX XXXX XXXXXXXX and they're trying to tell me it was a different time which is impossible because I was living in the desert in XXXX. I just wanted to tell you the attached file I sent you is a copy of my court records off of my credit report stating that I was XXXX at the time they're saying I took this loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2015, I was scheduled to close on my primary residence home located at XXXX XXXX XXXX, XXXX, NC, as the home is scheduled for a foreclosure sale in XXXX. XXXX XXXX and I signed a purchase agreement for {$100000.00} for this property. The sale proceeds would have paid off my XXXX lien of {$84000.00}, and there would have been {$20000.00} remaining to pay off my XXXX lien. On XXXX XXXX, 2015, GreenTree, LLC verbally informed me that the would accept the remaining funds through short sale to pay off the XXXX lien loan, and take the charge off my credit. I faxed them all documents to complete the short sale transaction. GreenTree did not complete the documentation required for the closing. From XXXX XXXX, 2015 to XXXX XXXX, 2015, myself and the closing attorney 's requests, XXXX, XXXX XXXX XXXX, XXXX called them over XXXX times to complete the transaction. I personally, eft over XXXX messages for them to contact me and the closing attorneys to complete the transaction. DUE TO THEIR NON RESPONSE, THE BUYER WALKED AWAY FROM THE SALE and my home is NOW going to be sold in foreclosure in XXXX 2015. I AM LIVID AND DISGUSTED THAT THIS COMPANY WILLFULLY OBSTRUCTED AND PREVENTED ME FROM SELLING MY HOME. I am entitled to damages. Specifically, request that Green Tree forgive my loan with them and take it off my credit report, and pay off the first lien to XXXX. As such, I am requesting that this agency investigate this matter as Green Tree has violated all consumer mortgage servicing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I currently have a checking account with Atlantic Union Bank. This account was opened in XXXX or XXXX. I have about {$970.00} on deposit with them. I have had this amount of deposit with them for the last year and a half to XXXX years. It is basically just a savings account. Monthly they would send me an update on the balance for this account. For the last four or five months I have received nothing. Five days ago I started to try to access this account. They have sent me a link to get online with my account. When I tried to do this they said that account had been put on hold because of inactivity. I have called them to explain the situation and they have sent me links to set up a online account and access. They told me that I need to sign a letter and send it to them authorizing them to reactivate the account. I did this yesterday XX/XX/XXXX. I downloaded the letter I signed it I scanned it and I mailed it back to them through their secure link. This morning I called and tried to access the information on my account telling them I wan na make sure that they have received a letter. They tell me that I could they can not authorize me to have any access to my account because they can not authorize who I am. Ive given them addresses and Social Security number etc. They want me to do some sort of a XXXX  meeting with them. I told them that I absolutely refuse to do that as I could pose as anyone. What good is a XXXX meeting when the documents are the most important thing and the fact that they are sending me links to the same email address where they always sent me information about my account. I just had a very heated conversation with them on the phone about access to my money which they are holding against my authorization. I told them that I was going to be getting in touch with The federal banking authorities about the situation being that they would not allow me access to my funds. Please help with the situation Ive done everything theyve requested and Im getting nowhere. Again this is Atlantic Union Bank. There is no office for Atlantic Union Bank in XXXX Georgia. Please help as I find this to be just unacceptable for them to hold my money and not allow me access. Thanks so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
DETAILED INFORMATION IS DOCUMENTED IN THE CHRONOLOGICAL TIME LINE OF EVENTS. 
I am writing this statement to lay out facts and circumstances surrounding the UNAUTHORIZED/FRAUDULENT withdrawal of funds from my personal accounts at U. S. Bank, by XXXX XXXX ( caretaker ). I filed the first claim in XX/XX/XXXX. US Bank approved and paid the claim in the amount of {$1300.00}. I was told to go through all Bank statements going back to when XXXX had moved in in XX/XX/XXXX. I had to order some of them through the fraud department. 
I discovered unauthorized/fraudulent withdrawals from my personal accounts in the amount of {$36000.00}, which began in XX/XX/XXXX. I filed the police report and claim with US Bank. The US Bank branch in XXXX XXXX faxed the claim to the fraud department. I called numerous times about claim and received no response. I finally talked to a man named XXXX in the fraud department who stated he was a supervisor. He said the claim had been approved on XX/XX/XXXX and the funds would be back in my account XX/XX/XXXX. He then told me that if there was more fraudulent/unauthorized actions on my account to fax them to him so that they also could be paid. He then gave me his fax # XXXX. The money was not deposited in the account XX/XX/XXXX. I then called the fraud department again a few days later and asked for XXXX. They said there was nobody by that name that worked there. I was then told that they had never received the claim. I went back to the branch and had them resend it. It was turned over to XXXX in the fraud department. She denied the whole claim on XX/XX/XXXX. How can they pay one part of a claim and deny the other under the same circumstances?

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 2017-02-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a past due to PayPal and the credit collector, XXXX, calls me 2 to three times a day. They r calling my cell number and never have verified if I am the correct person they seek.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The bank paid a check that was sent to another company however two days later they reversed the charge the company never received the payment I was charged an insufficient funds fees despite my direct deposit being in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving collection notices from Medical Revenue Service on behalf of XXXX XXXX XXXX for which my insurance company has paid the amount they owe and for which I have paid the co-pays. I believe XXXX XXXX is balance billing for services I received. My insurance, XXXX XXXX, has spoken to them and so have I but they continue to try to collect. I have notified the hospital of this as well and sent them copies of both my insurance company 's paid benefits notifications and my credit card records of payment. I have been told by my insurance company that I do not owe for anything other than what they have paid and my co-payments and that the hospital is balance billing. This has happened repeatedly for several different billings and I have replied to each one in the same way. I feel like they are harassing me for money they are not owed.

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 2016-02-03
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been paying my SEARS credit card on-line for the last year. I took the electronic statements to save paper. Now I can not log into my account. The web site just hangs. I called them up and they stated that the account might be corrupt but they ca n't fix it. How am I suppose to pay for an account that I ca n't access and they ca n't fix? I no longer get printed statements so this is XXXX. Tell Citibank/SEARS to fix their system so I can make the payment I was making.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
The Citi AAdvantage Credit Card is deceptive in its aggressive marketing of XXXX of the primary benefits of the card : First Baggage Checked Free & Group 1 Boarding when XXXX XXXX ticket is purchased using the XXXX. The benefit is only available to the cardholder who 's XXXX Number appears is attached to the account, regardless of how many cardholders are on the account. When I contacted the Citi AAdvantage Customer Service Line, the representative admitted that this is their # 1 complaint. 
They are forcing consumers to take on unnecessary debt ( get more than one card per household ) by limiting these benefits.

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 2022-11-09
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: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL XXXX CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. EXPERIAN STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH XXXX WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS TO A COMPLETE AND ACCURATE 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 explanation
Consumer complaint received 2016-05-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Convenience checks

Complaint:
I used a convenience check with a 0 % APR until XXXX XXXX. Then at a later date, I used a convenience check with a 0 % APR until XXXX XXXX. I am told now that there is no way that I can pay the balance of the check that expires sooner without also paying the balance of the one that expires in XXXX XXXX, because the system automatically applies the payments to whatever account it wants to when they both have the same APR. Once my balance on the one account starts being charged interest, then payments would be applied to that one first. I was told that I should have understood that with the wording on the disclosure for the convenience check. But I do n't think that is made very clear in the offer. A creditor should be required to apply the payment to the promotion that is going to expire sooner.

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 2016-04-30
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, I notified XXXX XXXX that a {$100.00} payment had been made to my mother 's closed credit card account. ( I made a mistake in my electronic bill paying system. ) Since she was deceased and I had closed the account upon her passing, they requested a copy of her death certificate and her will showing me as executor. 

That information was faxed on XX/XX/XXXX. ( In subsequent conversations, they confirmed receipt of this information. ) To that fax I also attached a letter clearly and specifically requesting the refund and that the check be made out to me since the estate had been settled in 2013. 

Calls to Customer Service on XX/XX/XXXX and XX/XX/XXXX yield no results -- agents were unable to give me a status and reluctant to allow me to speak to a supervise. 

On XX/XX/XXXX I finally spoke with a supervisor who told me the check had been mailed that week ( approx. XX/XX/XXXX ) but it had been made out to the estate, in direct contradiction of my written request. She told me she would stop payment on the first check and reissue another check correctly made out to me and not the estate. 
I did receive the incorrect check a day or so after this conversation. I destroyed it since payment had been stopped. 

As of today, XX/XX/XXXX, I am still waiting for the correct check. Calls to the credit card issuer are transferred between departments, including closed departments. No one, including supervisors seem motivated or empowered to resolve a long standing credit balance request. 

Even considering the involvement of a closed account, it should not take over 3 months to process a refund request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been trying to pay the balance down by paying extra on each payment and sending in a small amount in addition to that. The company is not applying the extra to my principal balance - despite the fact that I am current. When I asked about it they gave me some ridiculous line about the simple interest calculation. It sounds like a corrupt practice and is definitely causing me harm. Additionally, they are not providing me regular statements, sometimes going months between statements ( no XX/XX/XXXX statement ever produced or received, no statements in XX/XX/XXXX or XX/XX/XXXX ) Here 's what they told me : Account : XXXX Thank you for contacting Firstmark Services. 
The interest on your student loan ( s ) is calculated using the daily simple interest method. Your interest accrues at a daily rate based on the principal balance and interest rate of your loan ( s ). 
To calculate how much interest has accrued on your account since your last payment, do the following : 1 ) Multiply the principal balance by the interest rate ( i.e. {$10000.00} x XXXX = {$800.00} ). 
2 ) Divide this amount by XXXX, which is the number of days per year ( i.e. {$800.00} / XXXX = {$2.00} ). 
3 ) Multiply the daily rate by the number of days since your last payment ( i.e. {$2.00} x XXXX = {$10.00} ). 
4 ) This is the amount of interest that has accrued on your account. 
Please note that when a payment is received, it is first applied to any fees ( if applicable ), then to accrued interest, and finally to principal. 
Your previous payment was received XX/XX/XXXX, and your most recent payment was received XX/XX/XXXX. Since 23 days elapsed between payments, {$410.00} of your payment was applied to interest. 
We appreciate the opportunity to serve you as a valued customer. If you have any other questions, please respond to this e-mail or visit our website at XXXX. 
Sincerely, Firstmark Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: LEXISNEXIS
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
received a letter from a company called LexisNexis Risk Solutions stating I have 4 negative reports on my file. I checked my credit history and there are no reports of any kind. They want me to go online and get the report but I will not pay for something I can get for free, nor will I call them due to the fact they most likely will continue to call and harrass, as other companies have done. This is an on going problem with me, I keep getting calls and letters and I do my research and find if the companies are legit. Any help will be appreciated in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: HW Holding, Inc
State: MI
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:
XXXX XXXX has not verified the debt they have falsely claimed I owe but XXXX continues to report it is verified. Ive reported this several times since XXXX. Ive been denied credit several times due to the false reporting. Ive added court documents and they still continue to report false information. I most recently asked them to verify this debt again as of XXXX XXXX and yet they still say its verified. This has hindered me too many times. My next step is to sue. 
This dispute came back verified XX/XX/2021, XX/XX/2021, XXXX but they have never sent verification. They have not come with any proof or documents to combat my court documents.

Company response to consumer: Closed with explanation