BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: Kimball, Tirey & St. John LLP
State: TX
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:
No proof provided under estoppel by silence ( Engelhardt v. Gravens ). I dispute debt, owe nothing to KIMBALL, TIREY, & ST. JOHN LLP. CA statute of limitations ( Code of Civil Procedure 337 ) may apply. Cease collection, requesting permanent removal from all major and secondary credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2016-04-21
Company: DISCOVER BANK
State: SC
Product: Credit card
Issue: Billing statement

Complaint:
I called my credit card company and asked why I have paid over XXXX a month and only XXXX go toward my balance. The women responded that I 'm being charged interest even though the account is closed. I asked her how can they do that she said she do n't know. I just wanted to know if they can do this?? I have been paying back the money i owe for over a year now and my balance was XXXX when I started paying back.. it is now XXXX. Please help me because if they are not suppose to be adding interest I would like to know. I have every intentions of paying back the money I owe but do n't want to be cheated while doing it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone stole my credit card then charged {$17.00} on the card. I contacted the issuer of the card ( USAA Bank ) and informed them of the fraud. I sent an ID theft affidavit and a police report. USAA Bank is refusing to remove the negative information from my credit report thereby violating my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently opened a credit card with US Bank. Promotion was twenty months interest free. Problem arose when I attempted to use my card for a {$24.00} purchase and it was declined. Now I am standing in line with four other people behind me. This was humiliating, in as much as I had NO idea why this happened. Just to clarify, I had a credit limit of around XXXX my balance was XXXX. I had made three payments between XXXX and XXXX.. One on the XXXX of XXXX. for {$200.00} then again on the XXXX. for another {$200.00}, finally on the XXXX. of XXXX another {$250.00}. That was {$650.00} in a month in a half. When I contacted member services I was told that I made my payments too early ... ..Unbelievable. I'm embarassed because I pay my bills ahead of time. Subsequently I cancelled this card, after talking to a supervisor who abruptly and rather rudely told me, I didn't understand, it didn't matter the payments are electronically assigned to pay periods no matter what..

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 2018-08-16
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to circumstances beyond my control, unable to make mortgage payment starting in XX/XX/XXXX. Had to vacate house with my child XX/XX/XXXX. Listed property for sale, did borrower assistance application for deed in lieu of foreclosure and/or short sale, as realtor listed property at less than what was owed. First offer for short sale XX/XX/XXXX. Mortgage company repeatedly claimed missing documents or info, all of which was sent by myself and my realtor. After 6 weeks, buyer rescinded offer. Another short sale offer for cash in XX/XX/XXXX. Exact same thing happened, second application with all required paperwork filled out and sent in. Lost second buyer. Then was supposedly approved for deed in lieu, all papers received and signed with notary, sent in XX/XX/XXXX. Few weeks later, told an additional paper needed signed, emailed to me. I signed it, and like everything else, emailed it back ti multiple individuals at Roundpoint, as well as the loss mitigation email. Then informed needed hard copy by XX/XX/XXXX ( they told me this after XX/XX/XXXX, and I had NEVER been told of a deadline, nor had my lawyer been told. Argued that they should still continue to deed in lieu, and was told by Roundpoint thay they were still working on it. Their lawyer contacted mine. And then wanted that one paper XXXX XXXX XXXX  to the lawyer directly, which was done the very next day. Now, all of a sudden, they're saying I have to start the process all over again, which I've done multiple times over the past year. My realtor had said I her 30 years in the business, had never seen a mortgage company do this to someone. Please help me.

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 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a saving account with bank of America. Due to pandemic hardship, I need money to pay my bills. I asked my brother to lend me {$2000.00} and wire to my saving account. Right after the money was in, {$990.00} was taken out of my saving account by BOA without any authorization. I disputed immediately. BOA sent me a letter stating that they took my money to offset a business credit card ending XXXX. I never had a business credit card ended with that number. I called many times to dispute, and only get transferred from one representative to another. I requested my money back to pay my bills. They refused to refund me. 

I have explained to them that is no my account. Further, they are not allowed to take money out from my saving account to cover for credit card. They still refuse to refund me. 

I need help from your guys to ask them to refund me immediately so that i can pay my bills.

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 2021-04-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Currently, I'm going through a home refinance. Upon review of my credit information, I was advised by my lender that my XXXX 's account serviced through Wells Fargo was reporting negatively. On XX/XX/XXXX, I reached out to XXXX XXXX customer service and was advised that my account had been charged off on/or around XX/XX/XXXX. Based on the information I was advised during that call, it was due to me failing to make a payment on/before XX/XX/XXXX. 
I purchased a pair of shoes and unfortunately did not receive them in time for a trip I had planned so I returned them on XX/XX/XXXX. This was and had been the only transaction on my account in a year. During the conversation with the representative on XX/XX/XXXX, I was advised that I would have still needed to make a payment by the due date even though the item was returned and then any excess amount would have been later credited back. I attempted to return the shoes on XX/XX/XXXX, however this is one of the stores busiest times of the year for their XXXX XXXX sale and I was unable to get in to return them. 
Throughout the this timeframe, XX/XX/XXXX through XX/XX/XXXX I had not received any correspondence ( Statements ) or phone calls ( Collection attempts ) advising of an amount owed. During the conversation, the representative confirmed that records displayed the last outbound phone call to me was in XXXX of the 2020 year and that she did not know why no calls had not been attempted to collect on the balance owed. Per the representative, the only transaction amount that was due once the return was processed was the late fee for not paying by XX/XX/XXXX and the associated interest. 
It is not until just this past weekend, XXXX XXXX XXXX or shortly prior that I have received a statement stating I have an amount owed of XXXX due on XX/XX/XXXX and another letter ( dated XX/XX/XXXX ) stating my XXXX XXXX account has been closed due to terms violation. 
Had I received statements or even a phone call to notify me of the amount due, I could have made a payment to cover the amount, preventing from the account reporting negatively to the credit bureau and ultimately being charged off over a late payment fee and interest.

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 2021-09-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We've been trying to solve this with Chase since XX/XX/XXXX. We paid off our mortgage with Chase and had an escrow balance of XXXX  as of XX/XX/XXXX, but we did not get it back after closing. Instead, we received a letter stating we had XXXX. The money evaporated. We've requested it via email, online, in writing and the only response we've received is that they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Investment Homes by XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX  XXXX, XXXX FL XXXX and Certificate of Title was issued on XX/XX/XXXX by the XXXX XXXX XXXX XXXX Courts ( attached ). Since taking ownership Investment Homes has made every effort and attempt to resolve issues on title. Investment Homes attorneys pulled an official title report in which the chain of title shows the fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to Secretary of Housing and Urban Development , Assignee ) .

Wells Fargo Bank, N.A., does not have any record or proof that themortgage was indeed paid off or not. Wells Fargo Bank, N.A., can not locate any data or factual evidence of the mortgage. This has caused Investment Homes a loss of {$290000.00} on a resale of the property or a loss of {$120000.00} at Foreclosure sale plus an additional {$60000.00} on repairs, for a total of {$180000.00}. Due to the negligenceof Wells Fargo Bank, N.A., mortgagor ; and their lack of evidence to secure the proper loan documentation ; has caused Secretary of Housing and Urban Development to proceed with a false foreclosure ( non-judicial ) on behalf of the borrowers who are deceased since XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ). 
We are requesting for Wells Fargo Bank , N.A . to be investigated for unethical practices and violatingcompliances with Federal law. 
XXXX XXXX XXXX XXXX Homes by XXXX 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 explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX my SS # XXXX my DOB id XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA 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 explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from 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 2023-03-24
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have previously filed a complaint against Shellpoint mortgage ( complaint XXXX ) on XX/XX/XXXX to which they have not responded. In the meantime the problem has escalated. In attempt to correct the unauthorized increase in my monthly payment to cover an escrow placed insurance I do not have. I sent proof of my homeowners insurance that I pay monthly myself. I explained this in writing to the insurance department myself via email. Today ( XX/XX/XXXX ) Shellpoint paid out {$1700.00} for the annual policy that started almost 7months ago and I have been paying for every month on my own. They now have my escrow as negative {$920.00} which means when my property taxes are due they wont be able to pay those. I can already foresee them trying to increase my monthly payment again because of the negative escrow that THEY created. I have called numerous times and nothing is being addressed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a problem with my mortgage servicer, Mr. Cooper Mortgage ( formerly known as Nationstar Mortgage Holdings Inc. ) regarding removing the PMI payment. I have paid off enough of my mortgage and own enough equity in my home to have the PMI removed. I have contacted them on the phone and spoken with a representative but my specific issues have not been resolved. Mr. Cooper refuses to remove my PMI even though I own more than 20 % of my home and refuses to accept the following documentation showing this : - An appraisal I pay for - Invoices showing the XXXXmprovements I've made ( Such as installing a $ XXXX solar roof system ). Why can't they accept a new appraisal I make or my documentation showing the new home value? Mr. Cooper is forcing me to pay more than {$300.00} for their own appraisal which they still have not scheduled yet a month after I contacted them. Why can't they respond and explain when the new appraisal is scheduled and why they won't accept an independent appraisal that I pay for? Assuming the issue is settled by the CFPB that I do in fact own over 20 % of my home and did not have to pay PMI, I would like the last few PMI payments refunded. Can the CFPB get Mr. Cooper Mortgage to respond about these 3 specific issues and have my PMI removed? Also, I've attached the most recent letter from them that refuses to give a reason for denying my PMI removal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have had Citi double cash credit card. I have closed the account when I had - {$120.00} balance. I had asked them to send me the {$120.00} as check and close the account. They have agreed and promised me to send me the check in 2 weeks or 10 business days. I have not received the check after 2 months. I have called them again and they said they have sent the check but I never received it. At this time, they said that my dispute with a particular charge was returned and found me liable for {$39.00}. I have agreed to pay that amount once I receive the {$120.00} check. They have put a note to the account that " I will pay the {$39.00} once I receive the {$120.00} check ''. They promised to re-issue the check and send it to me saying that I should receive it in 2 weeks. After another 2 weeks, there were still no check received. I have called them once again and asked them to speak with a supervisor. They have given me an " account manager '' who told me that they will re-issue the check 1 more time and she claim that she could see the previous issued check number in front of her. I told her that it does not help me if I don't have the check. Now, the balance due jumped from {$39.00} to {$70.00} due to unpaid balance even though they put a note to the account that I would pay the balance once I receive the check. I also offered them to deduct the {$39.00} from the {$120.00} check and send me the rest. 

The reason I wanted to close the account is because they keep declining my charges and can not even verify my information making me jump through hoops every time. 

Please stay away from CITI altogether as I will never ever will have anything to do with them anymore nor I will have anyone of my family or friends do anything with them. This is absolutely ridicules and I will never pay that {$39.00} if I don't receive the check. If things gets even worst, I will go to distance and open a court case with them.

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