BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a 30 year FHA mortgage with Roundpoint mortgage company. I paid off my mortgage balance on XX/XX/XXXX by refinancing with another lender. I had an escrow account having a balance of {$5400.00} to be reimbursed to me. I called them after 3 weeks to find out about my refund. I was told that they could hold the money for a month before they refund. I called again on XX/XX/XXXX as I saw online a refund was issued on XX/XX/XXXX and they told me the check was cut on XX/XX/XXXX and I should receive the check in a week. Now it is been more than a month and two weeks I still don't have a clear answer from roundpoint about my refund until today XX/XX/XXXX. 
XX/XX/XXXX - Loan Paid In Full ( Cash ). 
Address details of company : RoundPoint Mortgage Servicing Corporation XXXX. XXXX XXXX XXXX, NC XXXX Customer Service at 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 2023-08-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account has a hold on it since the XXXX of XXXX, 3 days after i opened the account on the XXXX. 

They are asking me to step into a bank for this but thats simply not an optionXXXX XXXX XXXX XXXX XXXX XXXX  i hardly leave my home. 

They told me on the phone they wont close my account because of this hold, whatever the reason im not sure. 

Id like my account closed and the funds returned to the original funding method used or a check mailed to me. This has been a terrible experience for 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 2022-06-01
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. XX/XX/2019 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$920.00}

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 2020-06-12
Company: TRANSWORLD SYSTEMS INC
State: VA
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 paid XXXX XXXX {$130.00} On XXXX XXXX 2020. The collection agency Trans World has a amount of {$110.00} I cant get them to remove it from my credit file. I told them of my rights under the consumer protection act. They don't seem to understand that they need to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced for a lower interest rate with Quicken Loans and have asked to have paper statements mailed to me and they refuse to mail them out before the XXXX of each month. My mortgage payment is due on the first of the month and I usually dont receive it till almost the last day of the month, so by the time I mail my check and they receive it I am running into the that 2 week grace period. I have asked several times if my statement can be mailed out sooner and they always adamantly refuse. I left for vacation on XX/XX/XXXX and had still not received XXXX statement. I called to make a credit card payment over the phone and they refused it. I was forced to give them my personal banking information in order to make a payment so I wouldnt have a late payment. I feel like that is wrong. I feel I shouldnt have to do that nor should I have to go thru the stress every month waiting on my statement which doesnt come until almost the end of every month so Im constantly in that 2 week grace period wondering if they have received my check. Ive had several different mortgage companies over the years and have never had any issues on receiving my statements in a timely fashion. I dont feel asking for my statement to be mailed to me sooner so I can make my payment on time ( not in the 2 week grace period ) is not an unreasonable request. I would appreciate any help from you in resolving this matter. I have since returned from vacation on XX/XX/XXXX and have still not received XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$3100.00}

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 2023-05-06
Company: U.S. BANCORP
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a vehicle through us bank. The lease is ending XX/XX/XXXX. US Bank provided me 3 options : trade-in, turn In, or purchase. On XX/XX/XXXX I attempted to enter into a lease for another vehicle and trade-in the vehicle leased through US Bank XXXX US Bank would not allow the trade-in unless the dealer paid a mark-up of more than $ XXXX of what the lessee had listed in the contract to purchase. Basically US Bank is only allowed to make equity on th sale of the vehicle, not the lessee who drove, maintained, a made prompt lease payments on the vehicle.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

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 2020-06-12
Company: CashMax LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Company was sent a letter to revoke ACH/Debit card transaction. They created a check an submitted it to my bank without my authorization.

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to contact Transunion for 2 weeks about 3 fraudulent inquiries on my credit report. I have contacted the creditors and have advise them to block the applications attached to the inquiries. I have also requested a fraud alert on my credit report. However, even after submitting my FTC report to transunion, I was advised that the information is not enough to remove the inquiries.

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 2019-07-24
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Where do i begin. 
this collection agency apparently uses underhanded tactics to try to collect on a debt. It is bad enough that the company that used these people services claim i owed a balance after they messed up my XXXX  work however this debt from since XXXX they are trying to collect on in XXXX. Pressler, Felt & Warshaw is the company. They had a court officer ( mind you i never knew i was sued or had to appear in court until years later after they kept having the court officer levy my bank account, they would have the court officer send my personal information including my social security number to all these banks and hope one would give a response. This is fraud. or it should be considered fraud. I am a victim of identity theft and it has taken years to fix what someone has damaged. By these people sending my information freely to banks this is wrong. all to collect some old debt. I have had to close bank accounts, etc however they are relentless. They come forcing me to make a payment arrangement when i do not feel that i should have to pay for this. It is wrong. with how many criminals they are nowadays, for them to blatently send my information which looks like an old photo copy to people is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax and XXXX All XXXX XXXX, 2023. 
Multiple times i have frozen my accounts and even signed up for extra protection under Equifax. Multiple times a hacker has been able to unfreeze both of these accts and change my email to an outlook email. Over and over again, after i have changed my password and even userid. This truly feels like it is somebody from their own institution. They won't research the email that is given. Which would tell them immediatley who it is they are dealing with. 
I had XXXX inquires in early XXXX and all were trying to open personal loans. I even got a atm card in the mail saying i opened an online bank acct with a 0 balance... 
I asked for extra security to be put on my acct and asked for supervisor help XXXX, they let me sit on the phone for XXXX hours and then sent me to a survrey of how well they did, without ever getting me to a supervisor. This was Equifax. 
XXXX just keeps letting them in and changing my email and un freezing also. 
If this stuff cant be fixed, we are all in big trouble. 

Please help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-07-25
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
case no. XXXX NOTICE : conditional acceptance of offer to contract no. # XXXX XXXX re : attached Affidavit of truth ~ Writ in the nature of diplomatic affairs i, known as XXXX XXXX indigenous to the lands of the Americas, previous known as XXXX, a natural living being, Tax exempt, am with the authority and hereby establish this jurisdiction as follows : i, conditionally and timely accept all presentment ( XXXX ) as follows : whereas Entity ( XXXX ) / DBA Wells Fargo has failed to provide proof of claim ; evidences of a Debt ( Taxes ) owed by XXXX the paramount interest holder for the Public Trust : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX 

whereas Entities Doing Business as ( DBA ) /Wells Fargo Inc. have fail to provide proof of claim. 
whereas deformation of character is a criminal offence, i.e. 'perjury'.all entities/DBA Public Officials are required by federal, state, and municipal law to provide the name, address and telephone number of their public hazard and malpractice bonding company and the policy number of the bond and, if required, a copy of the policy describing the bonding coverage of their specific job performance. Failure to provide this information constitutes corporate and limited liability insurance fraud ( 15 USC ) and is prim a facie evidence and grounds to impose a lien upon the entity ( s ) /DBA Public Official personally to secure their public oath and service of office. ( 18 USC 912 ) perjury : falsely identifying the living XXXX to be aU.S. Federal Person, as XXXX XXXX XXXX other variation thereofsuch as XXXX XXXX their presentment received on XX/XX/XXXX by way of U.S. Mail and their response received on XX/XX/XXXX by way ofonline Public Service; entity ( s ) /DBAConsumer Financial Protection Bureau XXXX anyone having taken an oath willfully subscribes as true any material matter which he does not believe to be true ; is guilty of perjury and shall be fined underUS code1746, title 28.

see attached affidavit of truth for more details posted in the public at : www.spritualbreeze.org/public notices/WFXXXX 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 2022-11-06
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I went to ask a loan for {$500.00} at TitleMax XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone XXXX. 
I talked with XXXX It was on XX/XX/XXXX of XXXX 
She told me to pay every XXXX XXXX {$50.00}. I accepted but On XXXX I went to pay the {$50.00} but I extended my loan for another {$450.00}. Total was {$950.00} Well every XXXXXXXX XXXX I went there and I pay the {$79.00}. 
But on XX/XX/XXXX I paid {$500.00} XXXX so My loan was XXXX. 
But I still paying the {$79.00}? I went on XX/XX/XXXX and I paid the {$79.00}!! I told her but if my loan is less now I suppose have to pay less interest... 
So she told me NO because your first loan was {$95000.00}!! 
I think if my XXXX right XXXX is {$400.00} so I do not have to pay every XXXX XXXX the amount of {$79.00}. right???? 
My current balance right now is {$400.00} so my nest payment will be {$79.00} on XX/XX/XXXX!!! why? if my loan is not {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: TX
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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX  XXXX {$410.00} XXXX  XXXX {$1500.00} XXXX {$500.00} XXXXBANKRUPTCYDISCHARGED 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 2022-02-06
Company: TD BANK US HOLDING COMPANY
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a vehicle from XXXX  XXXX. Ive bought well over 100 vehicles from them. They had a new person that had put the wrong address on my paperwork. The paperwork was not sent to me in a timely manner for me to set up automatic payment. The dealership also had a Covid out break and nobody was there to help. Ive tried to talk to td finance but to no avail. Ive got documentation from the dealership proving the issue had nothing to do with me and out of my control. Ive spent well over 13 hours trying to talk to td finance to only be transferred around and nothing being resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Bitstamp USA, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of {$680000.00} from my Bit2Bit XXXX account to Bitstamp at the instructions of the scammers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX {$800.00} XXXX {$400.00} XXXX {$660.00} XXXX {$2200.00} XXXX {$1700.00}

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