BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-23
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Just applied for and received a credit Card from US Bank, we tried to make XXXX purchases over XXXX as XXXX are some travel points associated with the card. US bank wil not allow us to charge anything over XXXX, even though credit scores are in the high XXXX 's and we had a mortgage with US Bank until a few years ago, which was never late. US Bank also indicated in an email the following : XXXX Points per {$1.00} spent in eligible net purchases at XXXX XXXX hotels worldwide. 
Bonus Award Nights -- When you redeem Points for XXXX or more consecutive Award Nights, your last night is free. Plus:XXXX New Account Bonus : To earn the XXXX-time XXXX Purchase Bonus of XXXX Gold Points, you must XXXX make a purchase with your XXXX Premier Rewards Visa Signature credit card ( " Card '' ) within 90 days after your Account was opened. You may earn an additional XXXX-time Spend Bonus of XXXX Gold Points ( XXXX Gold Points for Platinum Rewards ) if you spend at least {$2500.00} ( {$1500.00} for Platinum Rewards ) in Net Purchases on your Card within 90 days after your Account was opened. " Net Purchases '' means authorized purchases of goods and services minus any returns or refunds, and does not include Advances ( as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, XXXX XXXX purchases, or transactions to purchase cash convertible items. Once you qualify for either the XXXX Purchase Bonus or the Spend Bonus ( collectively referred to as a " New Account Bonus '' ), please allow XXXX to XXXX weeks for the Gold Points to appear in your XXXX account. Neither New Account Bonus is available to applicants who have had this Card or another XXXX XXXX credit card product within the last 12 months. If your Account is not open for at least 6 months, XXXX XXXX and U.S. Bank reserve the right to deduct the New Account Bonus Gold Points from your XXXX account. 
They mislead us when we applied for credit card and now they will not allow us to charge enough to be able to use the benefit before the benefit goes away ... seems to me this is deceptive advertising

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03
Company: Tidalwave Finance Corporation
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an arrangement made with my finance company before my due day I have been getting calls every single day representatives have been calling me disclosing information without confirming who they 're speaking with ask to speak with supervisor supervisor called me a liar stated will be calling my human resources manager at my job I did n't ask to speak to a different supervisor to have my complain to listen to representative who I called stated I called a different branch and there was no supervisors available I ask to be transferred he denied due to does n't know XXXX supervisor will beavailable that they are the boss of him and he does n't know their time frame

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: General Motors Financial Company, Inc.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I want to pay my truck payment on line to GM financial. Their website never works. You spend so much time tying to make a payment and their website keeps sending bogus security questions that I never set up. You call customer service and they ca n't help you either. So, for {$10.00} they will assist you over the phone to make a payment. This is a rip off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
Santander Bank held a XXXX yr CD XXXX # XXXX XXXX for $ XXXX which was due to mature on XXXX XXXX, 2016. It was initially taken out with Sovereign Bank but had been taken over by Santander several years ago. 
I phoned and then sent a registered letter asking that the money not be reinvested but returned to me along with all interest at maturity. Evidence : Copy of registered letter requesting closure along with signed receipt. Told by a junior staff member ( XXXX XXXX ) that the letter was entered into my account on XXXX XXXX. 
In the event, they went ahead and reinvested it and would not reply to me even thought I sent other registered letters. This time asking formy money and the interest that was due to me. 

After nearly two months, they sent me the initial sum but did not pay the interest that should have accumulated. I have all these letters and consistently, by phone, nobody will take responsibility for the lack of response to my instructions over all that time. Indeed, now that they have finally paid the core sum, they claim they can not gain access to answer any questions about the account! Their top supervisor XXXX '' in Rhode Island even declined to talk or listen to me because " She can not authenticate me '' because they no longer had details of my account available.

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
Consumer complaint received 2017-02-09
Company: TCF NATIONAL BANK
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
TCF : I TRIED TO REFINANCE WITH TCF NUMEROUS TIMES. THEY DO N'T WANT TO REFINANCE WITH ME I THINK BECAUSE I HAVE BEEN PAYING MY MORTGAGE ON TIME. THE RATE I HAD THEN WAS 7.5 %, WHICH WAS A MORTGAGE OF {$920.00} A MONTH. NOW IT IS {$1000.00} A MONTH. I FEEL LIKE I 'VE BEEN TAKEN ADVANTAGE OF BECAUSE OF ME BEING IN A XXXX PROGRAM, AND THE FACT THAT I'AM A VETERAN. THEY ALSO TOLD ME THAT TCF WAS GIVING UP THEIR CONTRACT TO XXXX XXXX. THIS WAS 3 YEARS AGO. LIKE THIS WAS REALLY SUPPOSED TO MAKE A BIG DIFFERENCE. NOTHING WAS DONE ON THEIR PART. I 'VE HAD ALOT OF FINANCIAL DIFFICULTIES AND GETTING NO HELP FROM THEM ON THIS PART. WHAT CAN I DO ABOUT THIS? I 'VE HAD TO DO A BANKRUPTCY IN 2016 BECAUSE OF MY DIFFICULTIES. HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: KEYCORP
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
on XXXX/XXXX/2013 I made a {$20000.00} payment to Ket Bank against my principle balance. After making the payment I confirm by phone with Key Bank that the payment would be applied to the principal only! I later found that they applied it to future payments - collecting a years worth of payments and interest in advance. I also feel they collected double interest for more than a year before their indiscretion was discovered. Now that this loan is paid in full ( and then some ) Key Bank refuses to refund me any and all overpayments made against this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Reverse Mortgage Solutions, Inc.
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
While trying to settle my father 's loan obligation with a reverse mortgage company through the sale of the property, loan servicing company repeated delayed providing a payoff statement. I have been provided erroneous information since the first day I requested information on the process. I fully believe this company is delaying payoff to benefit from foreclosure. The property is under contract and was to close XX/XX/2017 and as of this date XX/XX/2017 a payoff statement has not been provided ; my original request was send XX/XX/2017 at XXXX via fax and email. If I do not receive this payoff today the buyers attorney will be forced to return funds to their lender thus the sale of this property will not go through. While I have requested to speak to a supervisor, I have been forwarded to a voicemail ; I have emailed the supervisor and have received no response. I am being treated unfairly and my attorney is now involved. This lender will have caused me to lose the sale on this property and they will proceed with foreclosure activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Wright & Lerch Attorneys At Law
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I received letters from Wright Lerch & Litow ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, Wright Lerch & Litow filed suit in Indiana Small Claims Court. XXXX XXXX, there was a hearing I denied the debt. I asked for Discovery and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did Wright Lerch & Litow make it known that they are representing XXXX. One of the documents from Wright Lerch & Litow, states the client is XXXX XXXX XXXX and the Original Creditor is XXXX Bank. Another document from XXXX XXXX of XXXX Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never XXXX has any of XXXX Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between Wright Lerch & Litow and XXXX Bank, contract between Wright Lerch & Litow and XXXX XXXX XXXX and between XXXX Bank and XXXX XXXX XXXX. I have not received any documents giving Wright Lerch & Litow or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. Wright Lerch & Litow FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Commerce Home Mortgage, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Commerce Home mortgage wholesale approved a Home loan ( from the underwriter XXXX ) for me. 

The account representative XXXX XXXX intervened and decided that he did not like the loan based on his personal reasons. And he declined it. He is not the underwriter. 

Multiple times the loan was approved. The title company was notified. 

I have lost the deposit of {$5000.00}. 
Reports {$1000.00} Appraisals {$800.00} I have had a home owners policy in force as a condition that was cleared since XX/XX/XXXX. 

There is no longer any communication with XXXX XXXX. The owners at commerce mortgage will not respond to any inquiries. 

XXXX reviews confirm this is more common than not with this organization. 

They put forth I had a loan. I did not seek any other advice due to their commitment. 

I am now outside of closing dates. No one in the UNITED STATES OF AMERICA should be treated like this group does to citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several derogatory accounts reporting on all three of the credit reports ( transunion, XXXX, XXXX  ). The derogatory accounts are all past the Maryland Statue of Limitations. 

The bureaus have been notified yet refuse to remove the accounts. The account are reporting at XXXX  XXXX XXXX, XXXX ( XXXX XXXX XXXX  ), XXXX XXXX, and XXXX XXXX XXXXXXXX. 

thank you XXXX XXXX

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 2016-07-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, I took out a mortgage loan with XXXX XXXX Bank. The payments increased dramatically short after, making it impossible for me to keep making mortgage payments. In XXXX, I defaulted on the loan but I was notified that a different lender had my mortgage loan, XXXX XXXX XXXX. A foreclosure action started in XXXX by XXXX XXXX XXXX. The case in the court went for years but the bank was unable to foreclose on my property. During the legal process the loan was transferred to a company called, XXXX, and lastely it ended in a company called Rushmore Loan Management Services. I am not sure which company I owe money too. The legal action was discontinue but collection attempts do not stop and the banks, before Rushmore, did not review my loan for a considerable loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
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 went to the bank and was encouraged to open a platinum banking account, as I was told it was a more appropriate match for my banking needs. They left open the old account and opened a new one. I then learned XX/XX/XXXX that the bank, without my written or verbal permission, at the same time also opened a line of credit directly linked to my bank account. Due to the multiple accounts and confusion with which account was being debited, there were charges which overdraft one of the accounts. Instead of covering the overdraft with another one of my bank accounts which had plenty of available funds, they instead paid the charges using this line of credit I was completely unaware was ever even open. I never received letters about this either. I found out years later that I had a balance of over {$2500.00} in this line of credit thanks to the over 20 % interest rate. I never would have agreed to this line of credit, never signed for it, and it was opened completely against my will and without permission. I let the bank manager know of the situation and asked that she investigate the matter and try and get the interest waived or at least partially waived given the fact that it was opened without my consent. I even provided the paperwork I was given when I did open my account and it shows nothing of this line of credit. After waiting until XX/XX/XXXX for this to be investigated, I had received no assistance so I paid the balance in full and asked that they continue to try and handle this. I found out today that they not only did n't follow up on this matter or contact me but never even closed the account. I asked that it be closed and that a credit be made. I am willing to bet that US Bank opened hundreds in not thousands of these lines of credit without ever notifying customers or getting their permission. US Bank has probably made an enormous amount from interest from accounts they opened with no permission or knowledge of their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My prior mortgage company sold my mortgage and did not give them my current contact information. I was not contacted. Since I have automatic withdrawl I assumed that the money was coming out. XX/XX/XXXX is when the transfer happened and because they did n't give the current contact information I did n't notice until the new mortgage company put a 60 day late payment on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have been yrying to aell a house and pay XXXX to Wells Fargo to pay off the HELoC. The titltle company and i have been calling them daily for a week. We have received XXXX differemt fax numbers to send the authorization and release to. As of today, they can not verify they have have received the authorization. And wont talk with my loan closer on the phone unless I am on the phone. They also refuse to send a payoff quote so that we can finalize. They also refuse to let me take an aithorization to another branch office. As a result, te biyer may cancel the contract and we could suffer financial penalties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I been placed in a collection, i just know thru a credit monitor service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: FIRST GUARANTY MORTGAGE CORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refinanced my home loan with goodmortgage.com ( owned by XXXX ) and closed on XX/XX/2016. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX saying they are my new loan servicing company and to start paying them my first payment by XX/XX/2016. On XX/XX/XXXX I received a letter from XXXX XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XX/XX/XXXX. 

As of XX/XX/XXXX both my online accounts for XXXX XXXX and XXXX show I owe a payment on XX/XX/XXXX Since XX/XX/XXXX I have been communicating with goodmortgage.com and XXXX XXXX but no one can give me any kind of information or update as to when one of these accounts will actually close. Goodmortgage.com says I should send my first payment to XXXX and do n't know why XXXX still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly.

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 2015-05-01
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Home Loan was refinanced on XXXX/XXXX/15 with XXXX XXXX, XXXX. 
Loan processing was transferred to Wells Fargo with an effective date of XXXX/XXXX/15 Received a letter from WF dated XXXX/XXXX/15 that our hazard insurance policy had expired on XXXX/XXXX/15 and it was their intention to buy their own policy for the property. 
The hazard insurance had been paid from our previous escrow account with WF on XXXX/XXXX/15 and was/is valid until XXXX XXXX. WF then proceeded to pay our insurance provider the same amount from our new escrow account creating a negative balance and then to adjust our monthly escrow payment On a loan they do n't start to service until XXXX/XXXX/15 ) to make up the deficiency. Attempts to have WF correct this problem have resulted in a response that it is the insurance company 's problem and if/when they receive a refund from XXXX they will update my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Bank N.A . has falsely reported that my account XXXX ( home mortgage ) shows delinquency. I have a print-out, from them, showing not even one late payment, much less a delinquency. This is hurting my credit. I have never been even one second late with a payment, much less missed a payment or been delinquent in any way.

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 2017-03-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
When I applied for the loan the account that I used was closed prior to receiving money. My account was hacked while paying bills online. I gave them a copy of the account to show I never received the money. I pulled my XXXX report and seen this was on my reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In reviewing my credit score online, I discovered a XXXX XXXX XXXX account that is not mine associated with my profile and a name and address that is also not mine associated with my profile. It seems as though someone else 's information has been associated with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Harvard Collections, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX says I owe XXXX for service at an address that I was not living at the time they mentioned the debt is from XXXX and I contacted landlord company and Apt was leased to a XXXX XXXX XXXX from XXXX and I have lived in New Jersey since XXXX can you please help me in this matter

Company response to consumer: Closed with explanation