BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/XXXX, I sent out letters to TransUnion, XXXX and XXXX through certified mail in regards to these XXXX accounts that I felt did not belong on my credit report : 1. XXXX  XXXX/XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX 2. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 3. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 4. XXXXXXXX  ( XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX 5 . XXXX XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX 6. XXXX XXXX  XXXX ( XXXX ) Reported Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX It is to my understanding and under the provisions of the Fair Credit Reporting Act that these three bureaus have 30 days to complete a sound investigation of my disputes and in that time, must temporarily remove those accounts from my credit report as well as mail out to be copies of my credit report respectively. It has been well over the 30 days since those letters were received and there have been absolutely no updates to my disputes. There was no sound investigation completed, no letter mailed to me with any decision, no contact by phone or contact in any way shape or form in regards to the temporary and final deletion of these accounts. I was never mailed copies of my credit report as requested in these letters, and still have not heard back from those three credit bureaus. It is no longer the time now for a reinvestigation. I want these accounts removed immediately from my credit report or I will take further legal action. I have a right to privacy and a right to a true and accurate credit report. This is causing damages to my report and preventing me from getting fair credit deals and rebuilding my credit. 

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

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 2022-12-27
Company: Experian Information Solutions Inc.
State: CO
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 account # XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Consumer Asset Management (Texas)
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Collection agency rep ( XXXX XXXX ) contacted me by phone and was very aggressive and rude stating he was preparing to file a lawsuit against me and that my employer would be contacted and my wages garnished unless I paid them {$10000.00} immediately for a vehicle reposessed in 2005. XXXX XXXX also stated he would sue my wife and notify her employer as well. Was contacted by another agency rep ( XXXX XXXX ) who stated I had to pay {$10000.00} in 24 hours before my case was submitted to a court and that I would have my wages garnished and a lien placed on any tax returns and property. XXXX XXXX stated she could accept a lower payment of {$3500.00} but it would have to be sent to them within 24 hours. XXXX XXXX identified the agency as Consumer Asset and XXXX XXXX stated the name as XXXX XXXX. Both agencies have the same address and phone numbers. Both stated that letters had been sent to me via mail but I have not received any letters from either agency named describing a debt of {$10000.00}. Contacted a local attorney who advised me the agency was violating Federal and State laws concerning fair debt collection as the the debt was time bared and threatening to file a law suit was illegal and I should file a complaint with the FTC and the State Attorney.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2023 CFPB I have worked for and received XXXX mortgage modifications and was told each time that I would get new mortgage pay statements ; and that I should not make payments until I received the new statements because my payments would get lost in the paperwork if I did. 
I waited and called and researched online at the mortgage companys web site, looking for my statements. 
After each approved mortgage modification, I was blocked from the web site and received a letter in the mail stating that my loan would now be serviced by a new mortgage company. 
I was told by the new mortgage servicer that I should not make payments to the new mortgage company until they had processed the paperwork from the previous mortgage company because my payment would get lost in the paperwork. 
Then the process started again. ( Requesting and receiving a mortgage modification ). This was a long and arduous process each time ; resubmitting all required documentation and jumping through all hoops I was informed I had to. But at the end of the day, I had my loan modification and looked forward to making my payments so as to move on with my life. 
This process was completed XXXX times with an approval until now when they have denied the mortgage modification because of the XXXX approvals that were not processed completely or correctly. 

My home has a foreclosure sale on it and I am attempting to block the transfer of title. 
I have worked with HAF and they offered to help with XXXX amount of {$50000.00} but I still had to produce {$41000.00} and was unable to do so, partly because I invested almost {$40000.00} last year in a bankruptcy that was dismissed. 
I built my home and have worked diligently to maintain it in every possible way. 

I request you help me cancel the sale that has taken place and get back to making my monthly payments. 
I should not be held accountable because the mortgage servicers ( Bank XXXX XXXX, XXXX XXXX, XXXX ) did not send me pay statements and kept allowing the charges to grow every time my mortgage was sold to a new company. ( The payments after being approved by Bank XXXX XXXX were around {$1200.00} XXXX ; now It is above XXXX p/m ). 
My home is being stolen from me and I have done all I was instructed to. 

I urgently look forward to your reply. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX PS : I have done all required and instructed of and still : Foreclosure Sale of my XXXX XXXX. XXXX  & XXXX  stress Possibility of losing all I have worked for Paying out an additional {$40000.00} plus out of pocket

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan transferred to Loan Care in XXXX. They boarded the loan incorrectly saying that I did not have a homestead exemption. They failed to notify me and failed to maintain my homestead exemption per RESPA requirements. I have now overpaid my taxes by over {$1000.00} since XXXX and they continue to raise my escrow payment. I had to go work with the XXXX County Central appraisal district on my own to the the exemption updated for XXXX and XXXX, however they would not do anything for me on XXXX and XXXX. I expect Loan Care to fund my escrow account for XXXX and XXXX for the amount I was overpaid due to their acquisition error and overpayment of taxes.

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 2022-04-29
Company: Experian Information Solutions 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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX  XXXX XXXX  Account Number : 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 2023-10-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have a loan for a boat with BMO. Our loan was originally with Bank of the West, but it was moved due to a merge. We set up automatic payments through the BMO app and BMO pulled out two payments during the month of XXXX ( payments were pulled on XX/XX/XXXX and XX/XX/XXXX ). We called to notify them of the mistake and they claimed they were not able to fix the issue. They instructed us to call our bank. We did this and our bank stated since we set up automatic payments through their website they would be the ones to fix it. We canceled future payments and instead set up billing through our own bank. We asked for a refund for the overpayment and were told they would mail a check. They stated they could not do direct deposit despite having our account information. We were told the check would arrive within 12 days ( a week for processing and 5 additional days for mailing ). We spoke to them on XX/XX/XXXX. As of today XX/XX/XXXX we have yet to receive a check. We called them to inform them and they state we have to wait an additional 30 days for the check. It feels as though we are being punished for a mistake made by them. The amount of payment was XXXX, which isn't a huge amount, but they are also extremely rude each time we call. When we ask to speak to a manager or supervisor they place us on hold for no less than 30 minutes each time.

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 2023-07-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened a Citizens Access savings account to take advantage of the 4.5 % interest rate they were offering on their website. I initially had some trouble linking my external XXXX savings account and transferring funds from my XXXX account to the Citizens account. When I attempted to transfer {$5000.00} from my XXXX savings to the Citizens Access savings account, the funds did not show up in my account and their was no record of them under the Schduled Transfers tab. I was concerned so I attempted to contact Citizens through their customer support line. I waited on hold for over 30 mins and no one picked up. I decided at that point that I wasnt comfortable banking with an online bank that had unreliable customer service. I felt relieved that the funds had not transferred. 

However, the next day, I noticed that the {$5000.00} had been deducted from my XXXX XXXX. I called Citizens customer support line again and this time waited close to an hour until someone finally answered. She told me that the funds would take 5 business days to clear in the Citizens account. I decided I would wait the 5 days and then, once they had cleared, I would move the funds back to my XXXX XXXX, then close out the Citizens Access account and take my business to a more reliable bank. 

On XX/XX/XXXX, the funds finally cleared on the Citizens Access account and were available for transfer. I transferred the {$5000.00} back to my XXXX XXXX account and immediately got a text message from Citizens saying that the transfer was not being processed and that I should call the number provided. I called the number and waited on hold for someone to pick up. She said that my account was being reviewed. I asked her why and she said that she couldnt provide me with that information. I asked her how long the investigation would take and she said that she couldnt provide me with that information. I asked her how long Citizens could deny me access to my hard earned savings and she said that she couldnt provide me with that information. I asked to speak to her manager and asked her the same questions and got the same response each time. 

On XX/XX/XXXX, I called Citizens again to inquire about the progress that was being made on reviewing my account and she refused to give me any information other than that the account was still under review. Citizens has not asked me any questions to help with the investigation. No one from the bank has attempted to contact me to acquire any information that would assist in reviewing my savings account. No one has provided me with a reason my account is being reviewed or given me a timeline as to when Ill regain access to my own money. 

Is this legal? Can you please assist me in accessing my own money so I can part ways with this unethical bank? Thanks in advance for any assistance you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 recently ordered a copy of my credit reports and discovered several inaccurate and fraudulent items listed on them. I want to emphasize that I have no knowledge of these transactions and believe that I am a victim of identity theft. These items are negatively impacting my life and financial well-being, and I urgently request your assistance in blocking and removing them from my credit reports.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2023-09-26
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, fake cashapp emails and texts were created by scammer XXXX XXXX to steal money from me. The emails and texts had similar messages explaining that there is another cashapp account by the name of XXXX XXXX that is trying to send me money, and I had to pay a sizable acceptance fee to accept it. I was a little suspicious until she messaged me confirming she is indeed trying to send me money for apparently no other reason besides " wanting to help me out. '' She was a newly acquired XXXX friend but I foolishly still trusted her. She managed to get me to send money to a team of scammers who I thought was going to resolve this issue of acceptance fee rejection that she claimed to be receiving. As well as using the fake cashapp account to send me false verifications of rejected payment attempts to my number to back up her lies. That way, she can continue to pocket all money sent. She also used another number to impersonate her own accountant. She managed to steal XXXX and even impersonated the FBI using the same number as the fake accountant when I threatened to report her to the FBI. I eventually did and reported all the evidence I had to them and CID as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
Hello I hope this finds you well, I have been a victim of a security breach and possible identity theft, which has caused over sowing in accounts, in addition to accounts being ironed without my permission and authorization. I have requested many card accounts to review this and disputed these matters and as if XX/XX/2022 XXXX XXXX XXXX  for example has deemed this to be my responsibility. And I do not think this is a fair response as a consumer to the bank. In addition to phone lines such as XXXX XXXX are deeming accounts to be mine which I did not open. The company has adjusted charges but then resubmitting them to my account which is misleading and makes it nearly impossible to continue to support them as a bank I hope this is resolved as I know many other have been Exposed to this crisis of breaching and theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I had a credit card through US Bank. I contacted the credit card company after paying off the full amount on the card. I then contacted US Bank directly to make sure that there were no issues and that the card was paid in full and that I would never have to hear from them again, because I am fed up with their business tactics. I made the payment of the full amount due on XXXX/XXXX/2017, the payment posted on XXXX/XXXX/2017. Today XXXX/XXXX/2017 i got an email from US Bank saying that I now owed them {$24.00}. I called them right away to find out why. The CSA told me it is for interest on cash advances. I said how can you charge me interest on an credit card that I have paid off in full, verified with US Bank that it has been paid in full, and has been closed? She tried to tell me that interest is accrued daily for cash advances. I told her that was wrong because everything was verified as having been paid in full and the account has been closed, I insisted that interest can not be charge on a closed account that has been paid in full. She continued to regurgitated talking point about company policy. So I interrupted her and said she needed to do something because I am NOT paying a bill on a closed account, especially when these fees have been added AFTER account was paid in full and verified as being so, AND has been closed. She said she could do a " one time '' courtesy refund of the fees. I said " what do you mean on time ''? I said this account is closed and if you continue to bill me you will refund the money every time! She said i will probably receive a more statements with amounts due on them. This is very shady! I have a high school friend that states her daughter is having similar problems with US Bank! US Bank has never been customer friendly, and after utilizing there services for 10 years, i moved my account to a credit union. When I closed my US Bank account the teller asked me why I was closing them, I told her that there is ZERO benefit to me having my money in US Bank. She just shrugged her shoulders and thanked me. 
That seems to be their whole attitude. 
I worked my XXXX off to pay off this credit card and US Bank just keep trying to XXXX me dry!

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 2023-08-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX I called USAA Savings Bank for information on fraudulent activity on my bank accounts. I reported that I received calls and security codes on my phone from USAA. They stated that they made no calls and immediately closed my banking services and exercised their right to do any future banking with me. 
I appealed several denials to investigate and restore my service. In one of the calls I made to USAA to find out what was going on, a banking representative stated that I was denied banking due to a report I made to them in XXXX stating that I had been defrauded in romance scam. I immediately appealed that this report was fraudulently made and authenticated by USAA who may have given access to the imposter to my account and banking profile. I asked for the date and transcript of the call and received no response. I did however transaction by transaction contest all unauthorized transactions made to my accounts. Within 7-10 days there was a statement from USAA making permanent credit reversal of most transactions. As far as I am aware USAA did not reverse an unauthorized transaction to my account made in XXXX on my ATM. I was not in XXXX, had possession of my ATM card and did not authorize the small purchase. It may be somehow due to USAAs compromise of my account, cards issued and profile in XXXX. 
I was a 30 year banking client of USAA with a very good record. Today all my personal identity information except my passport have been compromised. I have taken all steps within my power to protect myself. Due to this situation, I will have to engage services to audit my credit and accounts for the rest of my life. I would like USAA to be transparent and held accountable for any breach they caused which has resulted in my identity theft, whatever is deemed appropriate. 
Thank you for your time & effort. Please call or email for any questions. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation