BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a compliant against U.S. Bank in late XXXX XXXX # XXXX XXXX for a hold on my credit card while receiving spam calls. U.S. Bank responded and stated that " on XX/XX/XXXX, we were able to complete the verification process and remove the hold off your account. '' Following U.S. Bank 's response ( attached ), I called the customer service and successfully activated my credit card on XX/XX/XXXX. However, one day later, U.S. Bank closed my account for no reason provided to me. I simply noticed my credit card account dissappeared in my app and called in. I was told that I needed to call XXXX to speak with someone. I called and it turned out to be their " authentication '' department. A rather rude rep simply insisted that I needed to " authenticate '' myself in U.S. Bank branch and then abruptly hung up on me. As a New York State resident, I know that there isn't any U.S. Bank branch in my state, or even in Tri-State area. I verified this via U.S. Bank website. Does U.S. Bank really think I need to fly to Minnesota to " authenticate '' myself? If this is the case, U.S. Bank should not accept any credit card applications from the states where it does not have retail branch, because I am sure no customer will travel by air to their branch to establish their identity. 
As I have other credit cards, I am fine without their credit card. However, I found their practice strange, arbitrary and discriminating. I am writing to let CFPB and the readers know it so that you are aware.

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 2022-06-15
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the general executor and trustee of the XXXX XXXX XXXX estate/trust. 
I am taking the time to correct the record pursuant to 15 U.S. Code 1681 A & B I am requesting you send me the 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My most recent payments were bounced back from my checking account because of the incorrect account being used. I made an additional payment and Capital One closed my account without warning or notification. When I inquired about accessing the rewards points I accrued, it was mentioned that those points were forfeited. Those are my points ( XXXX ) that I earned that hold value and they should allow me to at least transfer them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Rent Recovery Solutions
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: Information belongs to someone else

Complaint:
Rent Recovery Solutions is reporting and account on my consumer report in error and they are trying to collect a debt that I do not owe. Rent Recovery Solutions have not provided me the original contract that bears my signature nor have they provided me any contract between them and I that states I owe them a debt. Rent Recovery Solutions have violated multiple sections the FDCPA. They have violated section 805 15 U.S.C. 1692c- Communication in Connection with a debt collection. Rent Recovery Solutions continues to call my phone before XXXX XXXX. which is a violation. I have sent them a cease and desist letter stating that I refuse to pay the debt. They have yet to cease all collection activities. They are still reporting this account to my consumer report, which per court case TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. They have violated section 806 15 U.S.C. 1692d - Harassment or Abuse. Rent Recovery Solutions has threatened me over the phone and have used profane language towards me which is a violation. They have violated section 807 15 U.S.C. 1962e- False or Misleading representations. Rent Recovery Solutions have gave false representation or implication that they operate or is employed by a consumer reporting agency as defined by section 603 ( f ). I will seek damages under section 813 15 U.S.C. 1692k- Civil Liability for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: PNC Bank N.A.
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:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 USC 1681 SECTION 602 SAYS " I HAVE THE RIGHT TO PRIVACY ''. 15USC 1681 SECTION 604 A SECTION 2 " IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT ANY WRITTEN INSTRUCTIONS ''. UNDER 15 USC 1666B " A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: FL
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 USC 1681 SECTION 602 SAYS " I HAVE THE RIGHT TO PRIVACY ''. 15USC 1681 SECTION 604 A SECTION 2 " IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT ANY WRITTEN INSTRUCTIONS ''. UNDER 15 USC 1666B " A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CURO Intermediate Holdings
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted them every month since XXXX and i have made a payment every month since XXXX on time and i still ole for XXXX. THEY WILL NOT UPDATE it showing late every month which a late charge is being taken from payment every month. THIS COMPANY REFUSES TO FIX THIS PROBLEM. I WAS PAYING THEM THROUGH PAYROLL DEDUTIONS.I STOP IT THIS MONTH BECAUSE MY BALANCE WAS NOT GOING DOWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wednesday XX/XX/2022 XXXX  XXXX XXXX - XXXX XXXX XXXX  I attempted to deposit {$500.00} cash and a check ( {$670.00} ) to my Wells Fargo checking account via an ATM ( ATM ID : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The check was accepted but the cash was returned to me because the machine wasn't able to read it. I tried redepositing the cash and the ATM machine took it, but my bank account was never updated to include the {$500.00} cash deposit. The total deposit should have been {$1100.00}, but I was only credited {$670.00}. 

Wednesday XX/XX/2022 XXXX  XXXX XXXX  - XXXX XXXX XXXX Submitted claim to Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Wednesday XX/XX/2022 : Claim Denied by Wells Fargo.

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 2023-05-16
Company: AXOS FINANCIAL, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I paid off my deceased husband 's loan to Axos Finacial and they finally sent a refund check for the gap insurance but make it out to my deceased husband. He is now off the bank accounts so I can't cash it. Here is the email I sent them a month ago which they have not responded to : Four days ago, I emailed you about this problem, and I have not yet heard back. 

This is a difficult time for me as I am still mourning my husband of XXXX XXXX who I lost last XXXX. I am XXXX XXXX XXXX and navigating all this paperwork is hard for me, particularly when you do not respond in a timely fashion. 

On XX/XX/XXXX, I finally received your refund check for the gap insurance, but it is made out in my husbands name, not mine. He died unexpectedly and did not have a will. When he passed I removed his name from our bank accounts as I understood thats what I was supposed to do ; therefore, I need the check made payable to me. 

Also, I began this process of paying off the loan on XX/XX/XXXX. In the past, I have paid off car loans and bank loans many times and the process has always been that when I call they give me a payoff number that is good for 10 days. After many phone calls and emails on XX/XX/XXXX ( 33 days after I first contacted you ), you provided a payoff amount that you demanded be wired. The amount included a charge for the 33 days of interest that I would not have had to pay if you had responded in a timely manner. I calculate that to be approximately {$500.00}. 

Its upsetting for me to go through this process of selling my husbands truck as it was his pride and joy and he added a lot of custom features, even having a custom canopy built for it. But finances force me to sell it and you are making the process much more trying. Within ten days of the date of this email, I ask you to please respond to me, reissue the check in my name, and refund the interest due me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a letter to Transunion and XXXX  regarding an account that is inaccurately reporting on my report, This account is paid in full and Ive requested for the account to be removed or remove the over two year old history which is within my FCRA rights and remove the status showing as 30 day late. 

I have received no response from either company.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1XA ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX

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 2022-10-27
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: Information belongs to someone else

Complaint:
TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 



DELETE OR BLOCK THE FOLLOWING ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

TransUnion you are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

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 2022-06-15
Company: BSI Financial Holdings, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. Me and my husband, XXXX XXXX, are co-borrowers on a mortgage which secures our house located at XXXX XXXX XXXX in XXXX, XXXX 

In XXXX, BSI Financial acquired my home mortgage loan and sent me a bill for {$1100.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to BSI to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, BSI continued to charge me anyway for the next XXXX years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$3500.00} over the period from XXXX to XXXX. 

In XXXX, by mortgage loan was transferred from BSI to XXXX XXXX. Like BSI, XXXX XXXX also sent me a bill for {$1200.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX XXXX continued to charge me anyway for the next XXXX years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$2500.00} over the period from XXXX to XXXX. In addition to imposing lender-placed insurance on me, XXXX XXXX XXXX XXXX to pay my property taxes in XXXX, leaving me vulnerable to foreclosure by the City of XXXX. On XX/XX/XXXX, I received a Notice of Non-Payment of Property Taxes from the City even though it is not my responsibility to pay the city. It is XXXX 's responsibility to pay the municipal property taxes because they include this in my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: PA
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:
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. 

Account name XXXX XXXX XXXX XXXX : # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  : # XXXX, Account name XXXX XXXX : # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Receivable Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX & XX/XX/XXXX, I received alerts that a collection account was added to my XXXX credit report. This account does not belong to me. I informed the hospital ( the original owner of debt ) that this was not my account. The account belongs to my daughter whose mom is responsible for financial matters as she has sole legal custody. It was supposed to had been resolved prior to XXXX with hospital. I faxed a letter and emailed the collection company with the statement and a copy of custody papers. I also requested a GUARANTOR form which showed ownership of account. I have not signed a GUARANTOR account for any medical bills involving this minor. I have yet to hear back from the collection company. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Specialized Loan Servicing Holdings LLC
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I got a forbearance during covid due to XXXX XXXX XXXX XXXX being shut down. I lost all my income for a year and two months. I live on XXXX and the whole island was closed off with no tourism. Ive attempted to make repayment and have even sent a XXXX $ check. They wont accept a re payment plan snd want all the money at once. I need help ASAP.

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 2023-04-02
Company: EQUIFAX, INC.
State: NY
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 ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently sold our house on XXXX XXXX and OCWEN is the mortgage servicer. Complete payoff was sent on XXXX XXXX to OCWEN. We had to file a complaint with the CFPB just to force OCWEN to process the payment and show that our loan was paid in full. Now, OCWEN is holding {$340.00} of overpayment in a " suspense '' balance. They have had this money since XXXX XXXX and have paid us an escrow refund but not the suspense money owed to us. They also received a refund of our property taxes of {$600.00} paid on XXXX XXXX. That money has not been returned to us. OCWEN has now had the " suspense '' money for over XXXX month and the property tax refund for at least XXXX weeks. On a payment reconciliation report OCWEN provided to us through another CFPB complaint, dated XXXX XXXX, OCWEN did not even show receipt of the property tax refund. Once again, OCWEN is sitting on money owed to us - effectively stealing our money and earning interest on our money. With today 's technology there is no reason a mortgage cant be paid in full with all suspense moneys and refund monies being paid back within XXXX weeks. Our last complaint through CFPB ended with OCWEN admitting they had a system error. Is this another system error, or another way to earn interest on monies owed to consumers?

Company response to consumer: Closed
Consumer complaint received 2022-03-24
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received several mailing notifications that started in XX/XX/2022 welcoming me to my new bank account with both XXXX XXXX XXXX  and Key Bank. I have also received debit cards to access the accounts. I did not sign up for either bank and I never gave these banking institutions my permission for an account to be opened in my name. I called Key Bank in the middle of XXXX and asked for information about who and how the account was opened. I was advised that the account was opened fraudulently and that it had been frozen due to suspicious activity. They explained someone tried to transfer {$2000.00} into the account. I was told I would need to come down to the bank to close the account. I have not yet been able to get to the bank to do this due to personal matters however I wanted to report the issue.

Company response to consumer: Closed with explanation