BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: U.S. BANCORP
State: AR
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 a {$50000.00} CD with USBank. I telephoned USBank XXXX on two occasions to ask how I redeem my CD. I was told that my CD expired on XX/XX/XXXX and that I had a grace period to redeem beginning on XX/XX/XXXX. I was told that because I do not have a savings/checking account with USBank that they would mail me a cashier check when I called during the grace period to redeem. 
On XX/XX/XXXX, I received an unsolicited telephone call from USBank in Missouri from XXXX ( her number XXXX ). She asked me to roll over my CD. I told her that I was going to redeem the CD. XXXX told me that the only way I could redeem the CD was to either travel to Missouri ( I live in Arkansas ) to receive my money or to open an account with USBank. I am not able to travel to Missouri. XXXX said that USBank would NOT mail me cashiers check. I asked to speak to her supervisor, but the supervisor ( XXXX ) was not available and would return a phone call to me, of which at this time, I have not been telephoned. 
After speaking with XXXX, I once again called USBank at their XXXX number ( see above ). 
The customer service person, XXXX, told me that it was standard procedure for me to telephone the XXXX number during the grace period and a cashiers check would be mailed to me if I did not have a USBank account. 
I have 7 business days from today to begin a resolution on how I can get this CD redeemed. 
I also read the disclosure statement on the USBank webpage regarding their " Time Deposits '' ( C.D.s ) and it says that a CD may be redeemed, but it does not state how it can be redeemed.

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 2023-06-08
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX I contacted XXXX about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX XXXX. ). Its been over 45 days and XXXX havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My significant other purchased a home in XXXX Az in XX/XX/1999. 
In the last 23 years, the servicer has changed several times currently Carrington Mortgage is serving us previously it was XXXX. 
I have occupied this residence with my significant other and paid the mortgage on the property since XX/XX/1999. 
My significant other passed away on XXXX. 
Upon confirming that I am the legal " successor in interest '' with Carrington Mortgage by presenting them with appropriate verified documents and their acknowledgment of them. 
Carrington Mortgage informed me I would not be allowed to have my name on the Mortgage unless I negotiate a brand-new Mortgage with them, in addition, I would not be reported as making payments on time to the credit bureaus even after I have been making payments on the Mortgage for the past 16 years.

Carrington Mortgage has deactivated the auto-pay access for the account.

I have to manually ( talk to an agent ) in order to make payments.

Carrington Mortgage has offered no help nor are they providing timely monthly statements.

I work and my job barely gets me home in time to make payment calls.

Manual payments are not accessible on weekends.

They're greedy and want a refi the mortgage because my monthly payment is under {$500.00} and 7 years to the end of the contract. 
Not to mention their need to appear profitable in order to make itself attractive to XXXX XXXX  which they are in the process of being acquired by. 
Are these actions by Carrington Mortgage legal? 
Is there any relief for my situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/XXXX I applied to refinance my auto loan from XXXX  XXXX XXXX over to USAA where I do my primary banking, and where my rate would be 1 % lower than the loan I had with XXXX. 
The loan was funded by USAA on XX/XX/XXXX and they were to send the payoff to XXXX. 
In late XXXX I received an email that my upcoming payment was due with XXXX on my auto loan that should have been paid off with the refinance. At that point I called USAA and let them know there was still a balance on my XXXX loan and it appeared the payoff was never received by them from USAA. I was told at that time that they would reissue the check and take care of the issue prior to my payment due date on XX/XX/XXXX since I had already made my XXXX payment to USAA for the new loan obtained. 
Unfortunately that is not what happened. Instead on XX/XX/XXXX they sent me a copy of the check that was supposedly cashed by XXXX. This check had no endorsement information on the front or back of the check that was discernible. 
I opened a case with XXXX, provided them all of the check information and a copy of the check. They have been unable to locate it on their system. I have called both USAA and XXXX multiple times every week to try and resolve this issue, which is still unresolved. 
USAA finally provided me with a XXXX tracking number last week for the check. However that tracking number shows that the check never left USAA and was never received by XXXX. 
So I now have two loans outstanding against my one vehicle. Ive been told I need to make the payments on both loans since USAA is supposedly not responsible for my contract with XXXX, and that any fees/interest will be my responsibility solely. 
Every time I call USAA and speak with someone Im told itll be 3-5 business days for a response and yet we still are no further on a resolution and Im the only one being financially impacted in the interim. And Ive spent well over 10 hours of my time trying to resolve this matter offering suggestions and contact information along the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-04-20
Company: Sterling Infosystems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
On XXXX Sterling requested international education verification information and a release. On XXXX I complied with all requirements and sent the requested documentation plus the release to Sterling through the email required. On XXXX Sterling noted in the completed background check report that I had not provided the requested information. Today XXXX Sterling has no response as to why they would state the requested information was not provided.

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 2023-08-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a savings account with BMO on XX/XX/XXXX. I had issues with their online website to access my monthly statement. I had to be paperless or the bank would charge a fee for a statement. I could spend up to XXXX hours on the phone at a time with customer service to obtain access to my statements, so I could print a statement. I put up with this issue for 6 months. It was the last straw when I wanted to file a complaint with BMO about my online access issue, & customer service told me that there was no documentation that I had ever had any issues accessing my account. So XX/XX/XXXX I asked customer service what was the best way to close out my account. I was advised to transfer the funds from my account. Then after the funds posted at my other bank to call back in to close the account. I called BMO to close the account on XX/XX/XXXX. I was told by customer service that I would receive a confirmation letter of the account closure within XXXX business days. Which I have never received. I did receive a check from BMO for {$.00}, which I cashed. I called BMO again on XX/XX/XXXX inquiring about a verification letter. I spent over 2 hours on the phone, to 3 different customer service representatives, which gave me 3 different answers concerning a closure letter or statement. All 3 denied me to speak to a supervisor, or escalation dept., or complaint dept. I have no proof that I did close my savings account with BMO.

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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On or before XX/XX/XXXX, I applied to consolidate my accounts to close my XXXX  XXXX and CapitalOne/Walmart into one with XXXX XXXX XXXX XXXX Account balances outstanding as of XX/XX/XXXX as verified by XXXX were the following : CapitaOne/Walmart Acct XXXX # XXXX XXXX {$420.00} XXXX XXXX XXXX Acct. # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Acct XXXX # XXXX XXXX After this date, no transactions were ever made to affect the balance outstanding as of XX/XX/XXXX. The mailing number of days of the check plus holidays after XX/XX/XXXX could have been received by the bank on XX/XX/XXXX but not on its cut-off date which is XX/XX/XXXX The XXXXXXXX XXXX  now has moved the cut-off date earlier to XX/XX/XXXX to justify charges for fees, ie., late and interest fees as you will note on the attached bank statements which I downloaded online. However, my phone conversation with a XXXX XXXXXXXX customer agent dated today, XX/XX/XXXX said otherwise that it is every XXXX  of the month as their cut-off date thus contradicting thereon the date they stated in their monthly statements. 

XXXX XXXX XXXX should have upon receipt of the full payment from XXXX XXXX XXXX acknowledged the full settlement of my account to confirm the veracity of the payment knowing that the check payment which was made in whole on my behalf by XXXX XXXX XXXX. What is unthinkable though, without my knowledge XXXX XXXXXXXX  started billing for late and interest fees without basis ending XX/XX/XXXX, and onward which has now gone up to {$120.00} with no basis. 

The same situation I am experiencing with Capital One/Walmart which on XX/XX/XXXX posted a {$6.00} interest fee against a XXXX  balance account after a full payment of {$420.00}. That {$6.00} has now grown to {$36.00} and I can only surmise these financial entities are simply vultures that will not allow an opportunity ( to make money ) to let it pass by although knowingly they find it unreasonable, they still push for it because they have the credit bureaus to report for them. 

It is hoped, therefore, that the Consumer Financial Protection Bureau will intervene to provide a resolution to my concern clearing these negative remarks to my credit account that has been reported as delinquent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: Credit Karma, LLC
State: CO
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
I applied for 2 credit cards on credit karma shortly after getting a card I was guaranteed to get. 
There is a guarantee of approval for cards listed by credit karma, or it says that XXXX WILL PAY {$50.00}, TO BACK UP THEIR CLAIM. 
THEY OWE ME {$100.00}. 
I DID NOT GET APPROVED. 
I COULD NOT FIND ANY WAY TO CONTACT THEM ABOUT IT. 
THE DETAILS ABOUT THE GUARANTEE SAY ID RECEIVE AN EMAIL WITH STEPS TO GO ABOUT GETTING PAID WHICH I HAVE NOT RECEIVED

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: NY
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:
Chase automatically enrolled me in a service that is showing I have poor credit even though I have never been late on a payment. The service is run by XXXX, who whose score internally on their own report is considerably higher. Even using their own rubric, I do not have poor credit. I believe this is a pretense to charge higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Santander Consumer USA Holdings Inc.
State: DC
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:
In XXXX I had to leave an unhealthy relationship where I was paying for everything and my companion was of not assistance. I co-signed for an automobile that he let get repossessed ; my small credit cards I had to established to build credit was ruined. I had to leave the relationship XXXX XXXX and the bills came with me. As of XXXX this year I managed to make settlements to : XXXXPAID XXXX XXXX-PAID XXXX XXXX XXXXPAID XXXX XXXX for Auto - Still Paying on Settlement Monthly Tax Lien XXXX - RELEASED- No Debt-Clean Hands Document I have a XXXX Debt to be Paid to an unnamed source on my credit report ... Still Looking Into that. I have been trying to find a place to rent and the most recent occurrence revealed something I had no idea was in the background. I was told by the apartment rent search company that there were judgments filed against me by XXXX XXXX XXXX each time I paid my rent late, but states they were satisfied. I have not seen that on my credit reports and I am still waiting for XXXX, XXXX of XXXX, MD to send me the copy of the consumer report they provided to the XXXX XXXX XXXX XXXX. I want everything I have paid to reflect 'Paid '' and off of my credit report as delinquent. judgment or charged-off. I work hard everyday and I am trying so very hard to rebuild my lift and establish better credit. I am a senior aged woman and I need help. It is not fair to work and get things right and the negatives just sit there. Can you please help me get these negatives removed from my credit report? Can you acquire of copy of the report from XXXX that says I have these judgments? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Aldous & Associates, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ALDOUS AND ASSOCIATES is currently reporting on all three major consumer reporting bureaus that I owe their company {$370.00}. Reporting started on XXXXand is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Upgrade, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been making payments on my credit card account that they are not posting. My payments never lower the balance. XXXX. Current balance of {$230.00}. I made a payment of {$120.00} on the XXXX and my balance. I have reached out the company and they show the payment but can not explain why none of my payments for the past few months are not adjusting my balance ( I am not late, its a 24.9 % interest. My last payments of {$120.00}, {$1300.00}, {$22.00} and {$21.00} = {$180.00} should have my balance to {$50.00} but the card company refuses to try to figure out what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Paramount Recovery Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was grocery shopping and when I came out someone had broken into my car and stolen my wallet. In my contained my ID and social security card and since then I have been getting multiple inquiries from collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I had a closed account for internet with XXXX. 
I was on a payment plan. 
Due to family illness I missed a payment. 
Without notice they flagged the account for collection. 
When I called I was told it was not in collections. 
I told them my credit took a hit. 
I called several times until I got ahold of someone who agreed to delete it for payment. 
After they took payment they stopped taking my calls. Threatened me. 
discriminated against me on the phone telling me they would never help me and I was a XXXX who should have paid it. 

They were sued earlier this year for FRCA violations and negligence in XXXX XXXX XXXX for exactly the same behavior. 

I need the account removed from my credit because in a recorded phone call they promised to delete in exchange for payment. This is a verbal contract and is in fact enforceable by law. They way in which XXXX bullies people and collects debt is criminal and they need to be punished. 


My complaint is against XXXX. XXXX, XXXX and XXXX. All of whom have a judiciary duty to protect the rights of consumers under the FCRA and all of whom have failed to do so for me and many others.

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 2023-03-12
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up complaint subsequent and in direct relation to the previous complaints filed against Shellpoint and Caliber Home Loans. ( Please review those complaints as they are tied to the second and erroneous XXXX forebearance agreement that Shellpoint completed in XXXX ( which I did not request ). I have a COVID forebearance agreement signed with XXXX and myself in XX/XX/XXXX. I HAVE NO IDEA why Shellpoint would issue a new and different agreement i that I did not sign or request ( XX/XX/XXXX ). No one called to ask me about a new forebearance agreement or mention in writing in advance or at any time to me that Shellpoint was deciding to create an entirely new XXXX foreberance agreement, separate from the one I have in place with XXXX. In addition, Shellpoint has charged me a {$15.00} 'Property Inspection Disbursement Fee ' on XX/XX/XXXX that I have no idea what it is for as no one has inspected my property and I did not request an inspection. That fee is now showing up as a late fee on my past 2 ( XXXX and XXXX ) mortgage statements. Shellpoint needs to remove this fee along with any associated late charges. Doing the agreement and adding false charges seems is entirely illegal and I'm sure goes against all kinds of banking/mortgage laws to enact/charge these without my knowledge, agreement or notification. ( Note : the online account/monthly mortgage due amount does NOT reflect the {$15.00} fee due for my next mortage payment. However, printed statements and e-statements DO reflect that incorrect {$15.00} fee due, so even the information that Shellpoint provides is not accurate. )

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