BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In  XXXX  or  XXXX  I opened a  Sears  credit card account, used it once initially and paid it off and did n't use it again until  XXXX  of  XXXX . Accrued a balance of ~ {$130.00}, paid it down to ~ {$50.00} in  XXXX   XXXX , the next time I logged on to the credit card management website it said that my balance was  XXXX . I did not keep track of how close my balance was to  XXXX  so I just figured I had paid it off already and did n't need to bother looking at it again. Around  XXXX   XXXX  I received an email from  Sears  saying my account balance was overdue, so I log in and there is a  Sears Mastercard a ccount ( in addition to the original  Sears  Card account I had applied for ) with a balance of about {$95.00} :  XXXX  was transferred from my old account, and {$27.00} late fees x2.  XXXX   XXXX  was the first time I discovered the existence of this account, the first time I was aware that a previous balance was transferred over to it, the first time I knew it was overdue for  two  consecutive months. I then get an email from a credit monitoring service I pay for through another credit card and see that my  credit scor  XXXX  had dropped nearly  XXXX  points for a delinquent account. I do n't even have a physical copy of this card.     I spoke to Sears customer support today on the phone and they insisted they sent out mailers and the card to the address on file and said there was nothing I could do because of that and the fact that they had never received any returned mail.     My problem is that a new credit card account was opened in my name without my consent instead of being " upgraded '' like  Sears  customer support said it would be, and balances were being transferred to it without my knowledge or receiving any indications or notifications of anything happening and now my  credit score is significantly damaged because I did not make   payments on an account that I did not know was even open under my name until 2 days ago.     Attachments :  1. Sears credit card management page - shows nothing in recent activity to include the transfer between this account and the new one opened without my consent 2. S ame page as picture above showing the last statement available to me being the  XXXX  from  XXXX   XXXX .    XXXX .  XXXX   XXXX  statement 4. Enrolled in paperless statements AND letters - never received any emails about any changes to my account.

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 2022-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The account with PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX  ) with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX XXXX  XXXX, I would like to request for complete payment on this. Also, the balance says that I have XXXX balance. I'm not sure if the XXXX Bureaus have conducted a thorough investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
THE ACCOUNT SHOWS PAST DUE ON MY CREDIT REPORT WHEN IN FACT IT WAS PAID ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Experian Information Solutions 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:
my mortgage servicer  XX/XX/XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from   XXXX   even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized   XXXX   had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.  XXXX  readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX    XXXX   paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse  XXXX  the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with   XXXX  . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX    )   the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: VA
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 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 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 2017-05-03
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:
my mortgage servicer   XXXX   paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from  XXXX  even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized  XXXX  had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse   XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   ) th e money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am in a revised pay as you earn plan. The plan, as known in the loan documents, caps your repayments at 10 % of income and provides a set amount per month.     For the pas t ~18 months , I have been repaying my loans without incident. Recently,  Nel Net has  begun assessing the payments for different groups at different times. What this has resulted in is a monthly amount that exceeds the minimum monthly payment.     This should not be compliant with the purpose of the payment plan in use.     What it creates is a situation where i have to pay the minimum amount and then am charged an additional repayment amount for a different group set.     I do not find their explanation of this change availing. I was never assessed a separate amount for the previ ous two years that  I have been repaying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I originally called  Rushmore  to ask about getting my   Property Mortgage Insurance removed, they claimed that the only method to get it removed was to have an appraisal done on my house. However, according to the federal Homeowners Protection Act, this should have been removed automatically when the principal balance reached 78  percent of the original value of my home. According to my mortgage statement from Rushmore dated  XX/X/XX , I met the 78 percent threshold before I even requested the PMI to be removed.
In addition, after Rushmore received my authorization for an appraisal to be conducted via fax on   XXXX   XXXX   XXXX  , they failed to actually order the appraisal until   XXXX   XXXX   XXXX  . I believe this was purposely delayed to keep me paying the PMI since Rushmore benefitted from this insurance which seems to be a conflict of interest. I had to call three  times after   XXXX   XXXX   to ask for updates and only after I requested to speak to a supervisor on   XXXX   XXXX   did they finally admit that I had already submitted the authorization for appraisal and that the appraisal should have been done weeks ago.
Rushmore has failed to be transparent during this entire process, and as of   XXXX   XXXX  , has placed a cease and desist hold on my account stating there will no longer be an type of verbal communications, outgoing calls or written correspondence except as otherwise required by law. When I requested phone transcripts of my calls with Rushmore and more information regarding how the process to remove my PMI should have taken place, they refused to offer this information. They have refused to even tell me how much my home appraised for after requesting this via phone call on   XXXX   XXXX   and in writing through their secure message portal. The cease and desist hold seems like their form of retaliation against me and also a way to intimidate me as the consumer.
After my call to Rushmore on   XXXX   XXXX   I was promised a follow-up call with a supervisor to ensure my request was moving forward. I did receive a call on   XXXX   XXXX   at   XXXX   EST   but was unable to answer. The left a voicemail promising a return call in 30 minutes but I never received one or was given a number to contact this person back specifically. This was just another moment in which Rushmore  failed to deliver on what they promised me. This also includes them failing to respond to provide recordings or even phone transcripts of calls I had them that I had also requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX responded to a cfpb report that they didnt do the reporting therefore this should not be on my XXXX file Equifax file XXXX file XXXX file Cfpb Report number XXXX I demand the reporting to be removed and deleted and blocked immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a account with us bank in   XXXX   that went to collections and I paid it off through   XXXX    XXXX   debt collectors and they never showed that the debt was paid off and so now I am an able to prove to  US B ank that I had paid the previous debt

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 2022-02-21
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: Was not notified of investigation status or results

Complaint:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview Loan Servicing , LLC has been harassing and threatening foreclosure. My account is current and has always been paid on time. Per contract my due date is the  XXXX  of each month and I have a 15 day grace period. Bayview has acknowledge and receives all my payments within the grace period, normally  by the  XXXX   or  XXXX  day or each month. Bayview has called me starting on the   XXXX   day of each month, regardless. Additionally, Bayview charges a convenience fee for accepting my payment in addition to my regular mortgage payment.
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I have asked customer service representatives who have called why they have been calling, harassing and threatening foreclosure. Was told that this are normal and acceptable collection actions and practices.
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Previously received calls in  XXXX  and  XXXX . On  XX/XX/XXXX received call from   XXXX   XXXX   at   XXXX   XXXX  . Who escalate the call to management  XXXX  ( did not provide last name ) at ext.  XXXX . Asked why I was being harassed and demanded that they do not call to harass me. If I become late ( which I have NOT ) to notify me via US Mail as all creditors / mortgage companies due.
<P/>
I have also asked that they DO NOT call to harass if payment is done on time and to communicate with me via US mail. Bayview has failed to comply to the my requests that they " do no harass me '' if and when all my payments are in time and within the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account name XXXX XXXX # XXXX Account name- XXXX  # XXXX account name-XXXX XXXX # XXXX Account XXXX 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 make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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 2017-05-03
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Re :  Interest Charge and Interest Purchase charge and continuing charging an Interest Purchase on  XXXX   XXXX  Th e Barclay Cr edit card seems to be a rip off ... I called them several times asking why are they charging the  XXXX  above charges every month. I can understand  XXXX  interest charge but they are charging an interest charge and an interest purchase charge every month when I have not made any purchases. On  XXXX   XXXX ,   XXXX  , I spoke with a representative that stated they would remove the charges immediately. As of today, those charges continues to be charged to my account. I have attached a statement showing the charges I am referencing page  XXXX  Thanks Very Concern Customer

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 2023-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have {$1000.00}, XXXX and XXXX in CD 's at Capital One BAnk which keeps refusing to give me my own money out of my CD 's despite having no reason to keep them. I am demanding my funds now and keep getting the same response that they are looking into two claims that they ckaimed were legally allowed to freeze my account which do not include my CD accounts. I need assistance getting these funds in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03
Company: Experian Information Solutions 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 became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in XXXX XXXX. XXXX and XXXX delinquencies were reported in XXXX and XXXX XXXX XXXX respectively, by XXXX XXXX XXXX XXXX XXXX " XXXX '' ). An address change request was sent by U.S. Mail to loan servicer University XXXX XXXX, XXXX ( " XXXX '' ) on XXXX XXXX XXXX. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for XXXX and XXXX of XXXX indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these XXXX months. After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the XXXX failure to update address information per my request. The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.

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