BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: Pacific Union Financial, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a annual escrow disclosure statement was applied on my mortgage account. The statement stated that there was a change in my escrow account and that my mortgage payment was increasing from {$1200.00} to {$1600.00}. Which is an increase of {$380.00} per month. The calculation they used was projected escrow balance of ( {$1600.00} ) minus allowable low escrow {$1100.00} which is how they came up with a shortage of ( {$2700.00} ) which is incorrect because I qualify for a homestead exemption which is a credit I receive on my real estate taxes because I am XXXX. I have sent them documentation proving that a qualify for the tax credit. The bill that they paid in XX/XX/XXXX was for the first half of XXXX for dates XXXX XXXX - XX/XX/XXXX. I bought the house XX/XX/XXXX of XXXX. XXXX County bills a year in arrears so the tax bill that was paid this year was for the sellers portion of the bill. My first full year of homeownership will be the end of XXXX which will be when m homestead exemption credit will be applied. Currently my escrow account is not short they are trying to add the ( {$2700.00} ) from XX/XX/XXXX to my current payment. That analysis was done based on the sellers tax bill which is not my full year tax bill I will receive that bill XXXX XXXX due in payable in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report 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 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 2022-12-09
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-18
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I redeemed two plane tickets with XXXX XXXX using credit card points on Chase Travel that were refundable on XX/XX/XXXX. However, when I tried to cancel the tickets a few months later, Chase Travel informed me that there was a {$200.00} cancellation fee associated with each ticket. Each ticket is worth {$220.00}, so this would mean the refund would be {$50.00} after accounting for {$400.00} of cancellation fees. I explained that the email confirmation I received classified the tickets as refundable, and there was no way for me to see the {$200.00} cancellation fee online when booking the tickets, and this was also not displayed when I logged into the Chase Travel portal to view the trip. At the time, I opted for a voucher because the representative kept insisting that the fare was unrefundable. However, after looking into the email confirmation further, I did not think this was a fair outcome as I believe Chase Travel deceived me by hiding this cancellation fee. 

I contacted Chase Travel again on XX/XX/XXXX to explain that I had a refundable fair per my email confirmation, but they again reiterated that in their system it shows as non-refundable. This information was not accessible by me, and this cancellation fee was only communicated to me after I called Chase Travel. Each call with Chase Travel takes 40mins+ after going through verifications and explaining the situations- this was my 3rd lengthy call with them on the same issue. This is a very long time suck to access basic information that is critical to my decision making when redeeming my points initially. 

I submitted a XXXX complaint on XX/XX/XXXX, and received a response from Chase today, XX/XX/XXXX, stating that my fare was refundable, but with a {$200.00} fee for each ticket. I looked at XXXX XXXX refund policy ( XXXX XXXX XXXX ) and there is nowhere on the website that states there is a {$200.00} fee associated with a refundable fare. I do not believe Chase conducted fairly, and in fact, engaged in Unfair practices by misleading me on the fare type, and by hiding a very large {$200.00} cancellation fee per ticket from their written communications to me. 

While Chase offered to credit XXXX reward points that's worth {$93.00}, my initial redemption was for XXXX points, which is worth {$450.00}. The credit does not cover the majority of my cost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Apple Card account has been restricted for over 2 months now. Ive reached out to support as instructed and am either told XXXX hear from someone in 3-5 business days to resolve or that there is nothing they can do and I just have to wait. This has been going on for over 2 months with no answers. Ive reach out 3 times this month along with a number of times in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
AMEX voluntarily cancelled my unused credit card. My FICA score has decreased significantly during the pandemic due to an increased and unforeseen household. All citizens are hurting but cancelling my account impact my credit. Another company reduced my limit only making my credit appear worse. I think during this time of great financial impact not caused by ourselves this practice shouldn't be allowed at this time. Reinstating my $ XXXX credit limit would at least sustain the present FICA score. This action combined with the other lender has the capacity to decrease my current score 50-60 points. Please don't let lenders get away with this unfair practice. Finally NONE of this would have happened if the pandemic didn't happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently during the pandemic fell behind on my payments due to financial hardship and the fact I have a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with all payments. The payment that was missed on XXXX of XXXX and XXXX of XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is also hurting my financial reputation making it harder for me and my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased a variable annuity through my bank, Citizens Bank, from an insurance company called XXXX XXXX. This was in a rollover IRA account and the amount was {$100000.00}, the date of the investment was XX/XX/2020. My application stated that the annuity would track the XXXX XXXX XXXX XXXX index for 6 years, with a 20 % buffer and an 85 % performance cap rate. 

When I received my contract, mailed on XX/XX/2020, it showed the cap rate to be lower, at 75 %. I called the bank immediately and they said they would look into it. 

I received a call 2 weeks later saying that the rate had changed since I applied, and the bank representative admitted that it was his error that I was not informed of the rate change. He was apologetic but said it was too late to change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I brought my home with an FHA loan in XX/XX/2016. My taxes are supposed to be paid through my escrow account. I have made all required mortgage payments and was never delinquent. It turns out the mortgage company was paying taxes to an incorrect parcel number for this entire time. The correct county never received any tax payments because the parcel number that was being paid was in a different county. The mortgage company is now demanding that I pay the delinquent taxes and all the fees. I don't feel I should be liable for this since I was making all the required payments and I was told that my taxes were payed through escrow. The escrow company has tripled my mortgage payments to recover the $ XXXX that was delinquent. I can not pay this and I am afraid they will take my home. If nothing else they should try to work with me to resolve this in a reasonable way instead of increasing my mortgage payments to such an unreasonable amount. from XXXX to now XXXX This doesn't seem fair and cant be right. Please help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-16
Company: OKCoin USA Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i need to report a Financial Crime. XXXX stole XXXX dollars from me. I bought {$7000.00} woth of XXXX on XX/XX/2022 and was told that i needed to wait 10 days for my funds to clear. On XX/XX/2022 i tried to send my XXXX  to another wallet and okcoin told me that my account was under review by their Risk Management Team. The only Risk was the one i took dealing with these XXXX. So since i couldnt move my XXXX i converted it back to XXXX with hopes of withdrawing it back to my bank. When i tried to withdraw my funds i was told that my account was still being reviewed. Today i recieved a notice from XXXX ststing that my account has been closed and i can not make any withdrawals. So they have my money and tell me that my account no longer exist.. Complete Thievery... If this is the wrong Dept could you please forward this to the right people Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from multiple credit reporting agencies that a hard application for credit in my name was submitted by CHASE BANK. I called Chase and told them it was not my application and to not issue credit and asked it be removed. After I validated my information and identity they confirmed there was an online application submitted. I asked them to remove it and they said it would take 30-60 days to process. I also then called the three main credit bureaus to also report the issue. 

FYI I had a credit fraud alert on my report since XXXX and it was current through XXXX. I extended that alert statement. 

XXXX said I needed to file a police report or FTC report and then upload the report into to their system to remove the inquiry. I went to FTC and it referred me to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NY
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:
Someone used my identity to open a credit card account and it is affecting my credit score.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: FL
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 the living man, executor, beneficiary of. It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid this credit reporting agency has not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite thXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies have done to 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 non-monetary relief
Consumer complaint received 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions 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:
of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
XXXX never answered me the first time, Experian and XXXX answered " The company that reported the information has certified to Experian that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the XXXX court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: GA
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:
I have some unauthorized inquiries on my report that I don't recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit Card application submitted to the following companies in my name : Discover - XXXX - Bank Credit Card

Company response to consumer: Closed with non-monetary relief