davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MN)

US Bank Home Mortgage is the servicer of my home mortgage. It was " modified '' under the HAMP (? ) program in XXXX. Last month, my statement indicates " all mortgage payments are due on the first day of the month '' and after the first day are determined to be late. In other words, the 15 day window in which to remain current with the mortgage is gone. They also said they will assess a {$5.00} fee to use auto debit payments from a bank account. I do n't find anything in my mortgage documents to support such policy and fee arrangements. Also, regarding PMI payments : my principal is {$100000.00}. The market value of my home is over {$170000.00}. XXXX refuses to release the requirement for PMI. I do n't believe this is justifiable in the current mortgage market.
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I was just charged XXXX more NSF fees from my bank. I specially got a cash advance to cover any debits When I checked my account on XX/XX/XXXX all my charges were still showing pending. I am not sure what time in their system items posts. I am not sure if they are posting those items even before the merchant requests payment. They are paying the smaller items first than the larger one, so instead getting XXXX fee you get several. I was charged {$140.00} in fees which is all the money I have. I can not even put gas in my car to get to work or buy food because the deposit I made missed. I just paid {$580.00} dollars in fees two weeks ago, which I did not dispute. My whole payroll check went to paying fees, I could not pay XXXX bill. If I request to have them waived, they do not care because I have had other fees waived and if it was not a bank error.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP (TX)

I have an USBank XXXX XXXX card I opened recently. I keep getting charged late fees even though I pay the balance off early. They state that because I paid early, the payment automatically credits to the prior month and never to the upcoming month. This allows them to charge me a monthly {$27.00} late fee even though I have paid the upcoming monthly due amount early. They say it is my responsibility to withhold payment until some time determined by them to avoid late fees. This policy is designed to allow frequent late fees and to discriminate against the consumer in favor of the bank in a very unfair way. I have never had this issue with any other credit card before, and I plan to pay this off, close it, and never do business with USBank again. In the meantime though I think this company should be investigated and this practice brought to a halt. 

Please note that I paid the balance due on XXXX XXXX and then prepaid more than due on XXXX on XXXX XXXX and then got a late fee on XXXX XXXX
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WI)

First of all I want to express my anger and frustration with US Bank Home Mortgage. They have done absolutely nothing to help us resolve our mortgage issues. We have requested to have a loan modification 4 times in the past several years and have been turned down each time. My husband is working XXXX jobs in order for us to be able to afford the mortgage payment each month and he can not do it anymore due to health concerns. He has XXXX. I recently under went XXXX to XXXX am unable to do the many simple everyday tasks at home I used to do. We have expressed this to US Bank on our last request and they did say we were eligible for the loss mitigation program and after 5 months of waiting they sent us a letter denying our request as we did not qualify. This is ridiculous. All we want is to lower our mortgage payment by refinancing so we can get a lower interest rate. They refuse to help us. They basically told us we need to stop making payments to get their help. Why on earth would be ruin our credit when we have worked so hard to restore it after having to file bankruptcy back in XXXX? We can not get a loan anywhere else due to the fact our current mortgage is way over the value of the home. US Bank approved our loan back in XXXX for {$260000.00} based on a bogus appraisel done by XXXX. Our house was never worth {$260000.00} especially when we purchased it originally in XXXX for {$150000.00} ( this was a brand new construction home ). US Bank did do a drive by appraisel on XXXX/XXXX/XXXX and appraised it at {$180000.00} that is a far cry from {$260000.00}. We still owe {$230000.00} on the mortgage so we are basically SOL going anywhere else to refinance. This has been a total nightmare since we started this process back in XXXX. We are at our wits end with US Bank. What gets me is they can go and spend XXXX XXXX dollars on a new football stadium, but they refuse to help us. This is why people do crazy things that they normally would n't do. Another thing is there customer service sucks! They are absolutely no help and no one has a clue what the other one is doing or has done. I know we are not the only customers of US Bank with issues, I have read hundreds and hundreds of complaints about US Bank. Someone needs to stand up to them and hold them accountable for approving bogus loans. We are now at the point of just turning the home over to US Bank and let them deal with trying to get {$230000.00} for it. We are fed up with US Bank and their shenanigans!!
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (AZ)

I have asked US Bank to immediately correct their credit reporting of Loan # XXXX and to stop sending me monthly bills and late notices. The Bank accepted a Deed-In-Lieu-of-Foreclosure which was completed on XXXX XXXX, 2015 yet they continue to send me a monthly bill for this property and continue to report an outstanding balance and late payments on my credit report IN OBVIOUS VIOLATION OF THE FAIR CREDIT REPORTING ACT. The Bank accepted the Deed-In-Lieu-of-Foreclosure and subsequently agreed to release my obligation but they continue to harass me endlessly with statements and reporting my credit incorrectly.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

Tax lien for the state of Michigan. Account was paid more than 4-5 years ago. Equifax is still reporting it as paid recently. Information was sent to them a long time ago with no correction on my credit report. They 've had enough time to get correct information pertaining to this account.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Since XX/XX/XXXX, I have been dispute my credit being pulled by XXXX different companies on XX/XX/XXXX & XX/XX/XXXX from all three credit bureaus. After completing disputes with bureaus, XXXX and XXXX have removed these hard inquiries from all companies since companies were not able to provided authorization documentation ( s ). Equifax informed me several times to contact companies directly, which I have over the phone and by mail on several occasions. The companies informed me to dispute the inquires through Equifax. I have informed these companies of the outcomes and direction from Equifax 's disputes. I also informed Equifax with information received from the companies through several disputes. Equifax refused to complete any type of dispute concerning these hard inquires or remove them from my credit report. These inquires are extremely damaging my credit score. I need some assist with this issue -- Equifax completing a proper investigation. At the time of the hard inquiries, there was an identity fraud placed on all reports.
Consumer complaint received 2015-09-22
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BB&T CORPORATION (NC)

The closing papers that were sent me are dated XXXX/XXXX/15. That means that I contacted BB & T before that, to start the process and I do remember that it took some time for me to get the closing papers sent to me. With that being said, my original call was around or before XXXX/XXXX/15 to the loan officer at BB & T. I can not prove what the exact date is because it was a phone call and I did not think that I would have to create a history log. 

Around XXXX/XXXX/15 I called BB & T XXXX office to complain and got what they call " the chairman 's line ''. This is when a manager above my loan officer called me. I informed him of the long delay in processing my loan and that I now have a late fee. I asked for the fee to be removed and to look into the delay of my re-fi. He said that in order for him to remove the existing late, I needed to bring my loan current. To which I did and by closing out my IRA account. The closing check was just over XXXX. I also informed him that when I asked my loan officer why the delay, he said that re-fi take back seat to new loans and that they are overwhelmed right now due to changes in the regulations. The manager agreed with that statement. 


On XXXX/XXXX/15 I received the follow email : XXXX, I got a call from the processor, XXXX that she was ready to submit your file to underwriting, but that we needed the XXXX payment to be current. When do you expect to make that XXXX payment so we can get your file underwritten please? 
Thank you - XXXX is the loan officer. I called him and said that I have my IRA closing check and it is just over XXXX and I would like to put it towards a down payment. After running some simple numbers we agreed that it would not make enough change in the payment value and he also said that he would have to redo the closing papers. So I agreed that I will bring my existing loan current and the remaining will go to pay off some debt. 

From the email I just referenced, I brought my loan current and was under the impression that the loan had been pulled and sent to underwriting. I have not received ANY calls from BB & T since then, saying the my loan was past due, none. 

Just the other day I received another email from my loan officer saying that I need to provide information pertaining to make IRA deposit of XXXX proving where it come from. It is under XXXX and a legal deposit! He also informed me that I need to bring my loan current again, by 2months. This is of it self, will change the closing loan value. Today XXXX/XXXX/15 I called BB & T XXXX to file a complaint and spoke to a manager. He said that a senior manager would be in touch with me within 2-3 days. He did not give me a direct line or any way to follow up, upon my request, should that not happen. That is when I decided to file a complaint with CFPB.
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have contacted XXXX and XXXX and experian to correct some errors with my reports. XXXX and XXXX corrected the errors and my score has increased due to the help. Experian did not correct the incorrect information and I disputed the inaccuracies 3 times. At this point the my score with XXXX and XXXX is between XXXX and XXXX. My score with Experian is still around XXXX and has not increased. I have been refused financing options from companies that are using Experian and this difference and refusal to help is unacceptable. Please help me.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

Experian continues to report a XXXX account and XXXX account that are not mine on my report. I have contacted them multiple times to verify these accounts and they have failed per FCRA, including my request for a method of validation. 
Yesterday, I filed a police report with the XXXX Sheriff Department ( Case # XXXX ). I am requesting that these items be removed. 

Additionally, the only inquiry I have requested is from XXXX. Inquiries from XXXX, XXXX and XXXX are fraudulent and included in my report. I granted no permissible purpose and dispute the bureaus answer of it being a factual record of file access. 
I am requesting that these 3 entries be removed.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

All inquiries on my experian & XXXX report dating back from XXXX 2015 till present day I did not initiate nor have any knowledge of. I have disputed the items in question several times online & in writing & have gotten no where. They refuse to remove these bogus inquiries & they are affecting my credit score in a negative way. I have also asked fot proof & have received no response!
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have provided the information to Experian to remove the XXXX negative from my report as I did to XXXX and XXXX XXXX. They XXXX removed the negative from my report because I was right and XXXX was wrong. Experian will not remove this negative from my report, I spoke to someone at Experian and they told me to contact you so you can dispute their decision. I 'm asking that Experian remove this negative, like the other XXXX companies.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Experian has a PROBLEM with KEEPING OBSOLETE AND OUT-DATED MAILING AND PAST RESIDENTIAL ADDRESSES ON MY CREDIT REPORT! They claim they have gotten these addresses from " public records '', but decline to say what " public records '' they are! They have REFUSED TO REMOVE THE OUTDATED, AND OBSOLETE MAILING AND RESIDENTIAL ADDRESSES, ON MY CURRENT ANNUAL CREDIT REPORT!
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I had an account with XXXX # XXXX that is listed on Experian and XXXX as a charge off account even though it has been paid. This account was paid 8-9 years ago and should not be on my report any more. I have disputed it several times to no avail. They have come back and stated that this account was verified but when i ask either the creditor or the credit bureaus for proof of the last date of activity i never get it. 

i 'm hoping you can help me resolve this as this is hurting my ability to obtain employment
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date opened XX/XX/XXXX Balance : {$590.00} Late open XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} Late Open
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

The XXXX XXXX XXXX XXXX XXXX which is the creditor in question has failed to remove a debt that is more than 7 years old. The debt was a car repossession and it should have expired after 7 years or in XXXX XXXX in the amount of {$810.00}. I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year. The date closed now shows XXXX XXXX. 

The XXXX XXXX XXXX XXXX XXXX XXXX was also a repossession of a car and the account has been stated to expire XXXX XXXX in the amount of {$15000.00} also on every credit report I have since XXXX and I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year as well and the date closed now shows XXXX XXXX. 

This is not accurate. The car payments were missed in XXXX XXXX and the voluntary repossession was in XXXX XXXX. I have requested documentation via my attorney XXXX XXXX firm to show the validity of the voluntary repossession document, which I signed when the tow truck driver picked up both cars and the XXXX XXXX has not produced the documentation. 
This is fraud and I have documentation to prove on every credit report since XXXX the date that XXXX XXXX XXXX said the debt would be removed. 
I stand ready to pursue this matter to the full extent of the law and have informed both Equifax and XXXX of my intent and expect that the person or persons that are responsible for reporting credit be dismissed from the XXXX XXXX and face criminal charges of fraud and record tampering. 
Please let me know what the next steps are in remedying this situation. This is having an affect on getting credit cards that are required for me to travel as a XXXX XXXX XXXX XXXX XXXX and could have an adverse affect on being employed. 

I have taken snapshots of the credit reports and explained the circumstances in the letter attached, if you however require the full credit report I am happy to submit the full report. 

Thank you for your help in this matter, I sincerely appreciate it. 

Kind regards, XXXX XXXX
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

On XXXX XXXX, 2016 I submitted a dispute to verify the accuracy of the public record listed on my credit report. Per the FCRA 609 a ( 2 ), FCRA 611 - 15 U.S.C 1681i and FCRA 603. Equifax failed to comply with the FCRA requirements listed above. They only sent letter saying they verified the public record and never sent proof of the verification and the procedure of the verification process and never provided the name, address and phone number of the furnisher of the verification.
Consumer complaint received 2015-07-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (CA)

It started with one company saying I owe a debt. I spoke to them. The company insisted that I owed. After that with this company XXXX other companies are saying similar things. I am trying to get answers but no company will take NO! for an answer. It has been XXXX year and I still get these same companies calling everyday. So I just try not picking up. The companies are : CBE GROUP XXXX.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2015-12-24
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

When my father died, I notified his Discover card that he had passed ( sent them a copy of his death certificate ) and that his estate was insolvent ( it is ). 

They started sending ME the bills for his account, at my address and in my name, and calling me ( have called me at least XXXX times ) to tell me *I* owed the money. I told them the XXXX time they called that I did NOT owe the money, and that they should send documentation that I was responsible. They said " we ca n't '' and " we do n't have that documentation ''. But they continued to call. And my credit rating was impacted. 
FINALLY, after HOURS on the phone with them and sending several written complaints, they told me 1 - if I do n't pay it, it will continue to be on my credit rating, 2 - if I DO pay any part of the bill to protect my credit rating, AND then they resolve my dispute by confirming in their own research that I am NOT responsible for the account/debt, THEN THEY WILL NOT REFUND THE MONEY I HAVE PAID TO THE ACCOUNT while they were falsely insisting I owed it. 3 - At their advice, I paid the initial " minimum payment due '' from after my Dad died ( they had increased it to several hundred ) so as not to have my credit rating impacted quite so badly. So I paid {$35.00}. 4 - They CONTINUED to call to say " my '' account was past due. 5 - They sent me a LETTER stating " Based on a review of the information, we have removed your name from this account .... '' 6 - I CONTINUE to receive calls ( two just today ) stating I owe them money. 7 - Logging into the account via my Dad 's site, it STILL shows my name ON THE ACCOUNT. 8 -I am on hold with them now, and they have just confirmed my name is STILL ON THE ACCOUNT.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX, I was informed that my credit limits were decreased on my two Citibank credit cards to within {$100.00} of my balance. I was told they were decreased due to the annual review of my credit report. Within three days of this, two other credit card companies did the same thing. My credit score then dropped from XXXX to XXXX. Then on XX/XX/XXXX and XXXX, Citibank reduced my limits again. Citibank stated it was due to another review of my credit report. When asked why my accounts were being reviewed for the second time in four months, I was told " the letter sent to you explains it all ''. All the letter says is it was due to a review of my report and my balance to limit was too high. My limit to balance is going to be high if my creditors constantly reduce my limit to just above my balance. I have never missed a single payment on any of my credit cards and there was no reason for Citibank to review my credit reports again. This isn't the first time Citi has done this. They did it three times in XXXX also but didn't reduce my limits. One was increased. I know they have the right to review and change my limits based on my report. But they are telling me that it is random reviews and twice in four months along with three times two years ago is not random. I fear that if this quarterly review keeps occurring, my credit score will continue to drop causing my other cards to follow suit, creating a credit nightmare for me and my future.