BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
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:
The furnishers listed below are reporting late payments in direct violation of 15 US Code 1666 ( b ) - Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 Days. 
There were furnishers listed below who stated in response to my CFPB Complaint # XXXX XXXX submitted XX/XX/XXXXXXXX  NO LATE PAYMENTS WERE REPORTING. 
I consider their statements to be DISINGENIOUS because I checked my credit reports today ( XX/XX/XXXXXXXX  ) These firms still continue to report the late payments in total disregard of LAW. ( FCRA 1666 ( b ) ) 1 ) XXXX  XXXX - XXXX XXXX ) XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the information be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
- I had an XXXX issued Fidelity Rewards credit card since XX/XX/XXXX. On XX/XX/XXXX, I made my usual online payment from my XXXX checking account of the balance of the XXXX card which was {$740.00} and received a confirmation number for the payment. On my next statement, I see that the payment has been reversed and I have been charged a " Returned Payment Fee ''. I call XXXX and they explain the reversed payment and the fee are due to my checking account not having sufficient funds at time of payment. I call XXXX and they confirm that my checking account DID have sufficient funds, also they have no record of XXXX electronically requesting payment. 

- In fact, this issue occurred at least twice before. My on-time payment on XX/XX/XXXX of the balance {$3800.00} was reversed on XX/XX/XXXX and a Returned Payment Fee was also applied. In this case ( and one other case for which I do not have the dates/amounts on hand ) I was able to get XXXX Customer Service and XXXX Customer Service on the same conference call, XXXX stated that their payment request was returned with a response of " insufficient funds '' and XXXX replied that I had sufficient funds on the payment transaction date and that they never received a request for payment from XXXX. Ultimately it was decided there was a glitch with the electronic payment system and the returned payment fees were dropped from my account and I rescheduled the balance payments. 

- For the instance on XX/XX/XXXX, the Customer representative I spoke to at XXXX refused to participate in a call in XXXX, or contact XXXX on a separate call to verify that I had sufficient funds on that day, or to address my issue at all. Since this problem with payment has occurred at least three occasions, two which took considerable time and inconvenience to resolve, one which is still unresolved, I decided to close the credit card account. I paid off the purchases. I did not pay the returned payment fees or the interest because if my payment had been processed as scheduled, there would not be any interest or fees.

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 2018-07-10
Company: VANDERBILT MORTGAGE & FINANCE, INC
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: Credit inquiries on your report that you don't recognize

Complaint:
Have spoken to all 3 CB to have these inquiries removed *Vanderbilt MTG Finance XX/XX/XXXX Primary Residential XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CB s have sent research letters to Vanderbilt on XX/XX/XXXX and Vanderbilt has sent nothing back to validate the inquiry. These inquiries were done without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services is the lender. I have a fixed BK XXXX Federal Court Ordered payment, Case # XXXX with a rate of 5 %, 25 year, PB {$100000.00} onXX/XX/XXXX. I have been paying P & I of {$500.00} since the Federal Court Order for the 5 years, and 2 years after the discharge my P & I of {$500.00} to continue thru 25 years until paid per the Court Order. Rushmore increased my payment of to {$800.00} to include real estate taxes afterXX/XX/XXXX, and then told me inXX/XX/XXXX my P & I was increasing up to {$590.00} telling me it was amortized incorrectly, I let them know they could not do that, they agreed to look into it and then I would continually get letters telling me I was in default, but when I called they said just ignore, they can't stop the letters, they are looking into it. I called my BK Attorney XXXX XXXX, she said I am not allowed to pay a payment other than the Federal court ordered amount, except for real estate tax escrow, if increases ; she said the lender can not change Court Ordered P & I of {$500.00}, they had 5 years during the plan, and before the discharge, and have accepted the Court Ordered payment another 2 years after. My annual Real Estate taxes for XXXX is approx {$3800.00} /12 months should be XXXX and tax increase is more than it should be at {$410.00}, raising my total payment to {$1000.00}. Rushmore is sending me threatening letters now telling me I am in default after they told me they are trying to resolve the mix up, but tonight I received another letter telling me I am in default of my mortgage. 
P & I should be {$500.00} and real estate tax portion should be {$310.00} for a total of {$840.00}. I agreed to their increase up to {$890.00} and have been paying that amount assuming the difference was for the tax increase, but they said the difference is in the P & I, but they also increased my real estate taxes way over my XXXX real estate tax bill. ( copy  enclosed )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have XXXX issues with the US bank XXXX  account that triggered me to submit this to CFPB and need assistance to get the resolution right. 

XXXX I have been repeatedly charged for a paper statement fee. Notably on the most recent statement, i was charged for the paper statement fee although I have changed to XXXX statement more than XXXX  days ago, and the us bank agent is able to confirm I changed the setting. I have received the refund after I called in, but this is a very bad practice that many other customer might have the similar situation and they might not aware they are being charged incorrectly. I won't have time to call US bank every month to get the fee waived, so I decided to cancel my XXXX  account with US bank due to the ongoing bad experience XXXX When I opened this account, I was given a promotional offer if I fulfilled the XXXX XXXX requirement, It has been XXXX  months since opening this account, I still don't get it. When I called in, the agent told me that they can not see an offer on my account. So I think I am being tricked when I open this account. this is another reason I cancelled 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 explanation
Consumer complaint received 2020-12-22
Company: First Technology Federal Credit Union
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Subject : Victim of bank account XXXX at First Tech Credit Union ( FTCU ), fraud and overdraft situation I have a savings account number XXXX with First Tech Credit union in XXXX, WA. I have been a victim of a scam. Someone ( we believe XXXX on twitter ) obtained my credentials to make mobile deposits and remove money from the account and this this was not detected by the FTCU bank for over 3 weeks. Now I am saddled with negative values in my account and overdraft charges totaling over {$12000.00}. Of this amount XXXX shows up in the XX/XX/2020 bank statement and rest I can not see due to the First Tech account being locked by the bank. 
I am college student with no income so the FTCU bank should not have allowed these withdrawals I did not authorize, and have ever authorized, in writing, signed or requested any overdraft protection or courtesy pay. When fraud transactions occur risk controls should be triggered. 
These withdrawals should have been caught by the bank risk management controls. For e.g. XXXX  sends a hold communication when we deposit checks there is no amount available immediately. 
We did not receive any text messages stating that I am in an overdrawn situation. 
The bank should have stopped these transactions since the fake checks deposited by the perpetrator did not clear yet, and a hold should have been placed. 
There was a hold placed on only one of the final checks. 
The police case registered with XXXX County Police : Case number XXXX. Officer XXXX XXXX Considering the above, I trust that I am not liable for unnecessary overdraft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have our accounts with Wells Fargo and use Bill pay through them. We had paid the first few payments and they got them to XXXX XXXX  with no problem. About XX/XX/XXXX XXXX XXXX contacted me to say they got no payment. I checked with Bill pay and it is set up to do a monthly payment and confirmed that it was sent on XX/XX/XXXX. I contacted Wells Fargo both on phone several times and also two times in person at the branch near my home. According to their records it was paid. So I continued to send the next months payment which would be XXXX also and they claim they never received the payment at XXXX XXXX. 
I have spoken to both XXXX  and Wells Fargo at least 15 times two times it was a conference call. Wells Fargo has debited my account for the payment both months but no one seems to do or really care how long this process takes. 
It took me 3-4 phone calls to XXXX  for them to understand that this was not a check in the mail. It was send electronically from Wells Fargo to XXXX  and has been accepted on their end and put somewhere. Two seperate times Wells Fargo and I have sent proof of payment to XXXX XXXX and after their 5 day review they do not accept the proof. I have talked to an attorney and everything he told me to get from the two banks they tell me I can not have this information such as routing and other particulars. 
I really do not know where to turn. They write letters about foreclosure, they have contacted credit bureau on us also. 
We are seniors my hubby is XXXX and XXXX and very XXXX  and I am taking care of him. This hardship is killing my ability to care for him. 
Please help me if you can neither of these banks seem to know how to solve a problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has unrightfully denied my attempts to join an income-based payment plan. I have submitted the necessary paperwork 6 times. I have been denied, for various and illegitimate reasons, all 6 times. 

I called Navient Customer service the last time my application has been denied. I was told that the reason I am being denied was because I did not add the words " Gross Income '' to my written Income Statement ( the statement that accompanies the proof of income. ) I was told that after fixing this issue, all my paperwork would be acceptable. Thus, I fixed the issue, yet I was still denied. 

Navient is seems determined to continue to deny my attempts at an Income-Based Repayment Plan, despite the fact that a W.V. XXXX XXXX CAN NOT afford the high, standard payments.

I have been forced into forbearance, until the matter can be resolved.

The only email I have ever received : " We've received your request for an Income-Driven Repayment plan ; however, we're unable to process your request at this time because the proof of income you submitted did not clearly indicate the pay frequency ( i.e., weekly, bi-weekly, monthly, etc. ). In the meantime, please continue making your payments as scheduled. '' ***My last Income Statement is included. Along with this written statement, I have submitted a pay stub from XX/XX/2017, and an application for Income-based Repayment. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is violating FCRA. XXXX XXXX made a hard inquiry in error to Transunion on XX/XX/XXXX. I did not apply for any XXXX XXXX products, nor do I have a current relationship with this company, that would grant permissible purpose to pull my credit. 
I contacted XXXX XXXX on XX/XX/XXXX and spoke with customer service. They could not see any relationship established. They asked me to send a copy of my credit report, but I wasn't comfortable doing that. So, I contacted Transunion the same day and they filed a dispute with XXXX XXXX. I was provided a case number of XXXX to reference. 
Followed up w/ TU on XX/XX/XXXX and was told to provide a police report. I'm not even sure what I would put in one - I don't know what is going on. The person I spoke with told me she would notify the company ( again, I guess? ) and they would be required to respond in 30 days. 
On XX/XX/XXXX, I also mailed a letter to XXXX XXXX XXXX Department at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX stating my issues and concern as well as provided a screen shot from my TU credit report documenting one XXXX XXXXXXXX hard inquiry on XXXX plus 2 soft inquiries also from XXXX XXXXXXXX. I don't haven't had a recent relationship w/ XXXX XXXX to know what these are from? 
On XX/XX/XXXX - I contacted Transunion and was informed XXXX XXXX never answered their dispute inquiry. I contacted XXXX XXXX and they said I had not given enough time from my letter mailing on XX/XX/XXXX to receive a response. 
NOW, it is XXXX and the hard inquiry remains on my report and any dispute inquiries have gone unanswered. I want this inquiry explained and I want it removed b/c it is not correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my credit and notice XXXX XXXX XXXX is reporting a balance of {$1100.00}. I've sent four letters to this company asking to verify this debt. Along with a lot of other things I asked this company to send, I also asked for a copy of the hospital agreement with my signature. I have not received anything but a print out of a balance they claim I owe. I am a twin and they mix our files up at the doctors office/hospital ALL the time! How do I know that this debt is mine?? Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the 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 2022-03-13
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Phone : XXXX RE : PNC Bank Freezing my account for 30 days I was notified on XX/XX/2022, that my account was frozen for suspected scam. I was ask by a friend to accept XXXX funds and then buy bit coin and send it on to her. I have know this person for 4 years and trust her. One of the people that sent funds contacted me and said they had been scammed. I offered to return their money, but she must have filed a complaint. 

The major problem of this situation is the uncaring inhumane policy of PNC Bank. In freezing my account they will not let me access any funds from an ATM. They also will not let me pay my bills such as utilities, taxes, credit cards, and buy medication such as XXXX XXXX until after XX/XX/XXXX. 

I contacted PNC Bank by phone and was told the above and I would just have to wait until XX/XX/XXXX to do anything. They said an investigator would be contacting me but I have not heard from anyone in the last 16 days. Each person I talked to said nothing could be done to unfreeze my account until XX/XX/XXXX and it could even take 90 days. I feel this is totally unfair when I made an honest mistake thinking I was helping someone. I now have {$34.00} in my pocket to last me until XX/XX/XXXX or beyond to buy food, gas, necessities and mediation. I have been out of XXXX XXXX medication for almost a week. 

On Friday, XX/XX/2022, I was told PNC was closing my account. I ask when I would be able to get my funds and the branch manager told me he had no idea. That another department would take care of that. The manager has filed complaints on my behalf but still no one has contacted me. 

I would like to have PNC Bank to remove the freeze on my account since I provided one representative all the information of how this situation came about. I take full responsibility for my mistake and will be glad to make restitution to many one that was harmed in this situation. At this point I would like to have my {$8000.00} plus money as soon as possible since this has become a medical emergency and they do not care about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Army and Air Force Exchange Service
State: AE
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:
Due to being overseas the past three years on a XXXX I had several late payments reported to my credit. I reached out to the company recently due to finding out some military benifits while on XXXX  overseas. Realizing this while I was still overseas I contacted them. Asking them if I provide proof to please remove those late payments. However the company is very unwilling to work with deployments unless they are provided BEFORE any late marks accrue. However due to being overseas I was not in contact. This has created hardship on our family because we are now unable to get a house due to the remarks on my credit, with this card alone. I have requested multiple times to have them help me and every time they turn me away, the card is even paid off now. I finally got a more forward answer the first time complaining through this site, they told me to send orders, which we have. It has only been a couple days but we still havent heard anything if they will remove the late remarks on my credit. Its frustrating because this is a very hard time for our family and its time sensitive as we have no options for homes until this is taken care of. I have even requested a call to discuss with the XXXX or credit department but nobody will call 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