BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, Inc ( SPS ) sent Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. 
Indicated on the statement was that our monthly payment would increase to {$2100.00} effective with the XX/XX/XXXX payment. Not wanting to see the monthly payment increase by some {$230.00}, we opted to pay the requested shortage amount of {$2400.00}, feeling that our monthly payment would remain the same at {$1900.00}. 
The representative I talked to at SPS ( XXXX ) on XX/XX/XXXX processed the payment of the escrow shortage while on the phone with her. ( XXXX ) XXXX indicated that we must still make the {$2100.00} payment due XX/XX/XXXX " because that payment amount was already in the computer '', AND subsequent payments would increase to some $ XXXX. 
We don't understand 1 ) why we must make the {$2100.00} payment for XX/XX/XXXX and 2 ) why our monthly payment will increase to $ XXXX. Opting to pay in full the requested escrow shortage should leave our monthly payment unchanged at {$1900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid 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 am writing to dispute a billing error in the amount of {$520.00} on my account. I would like a FULL REFUND NOT PARTIAL. The amount is inaccurate because XXXX XXXX is no longer allowing customers to travel to XXXX due to a travel ban issued by the President of the United States. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

You have access to my account charges to show the full amount charged and the amount that they are refusing to credit back to my card that supports my position. Additional I have attached an article by the XXXX XXXX that states that the President of the United States has banned traveling to XXXX making it illegal to do so. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely,

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 2021-05-07
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:
I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called XXXX, experian and XXXX to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.

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 2022-01-31
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Today XX/XX/XXXX I was charged for an unauthorized amount from an apple card. I have never applied for an apple card. Right away, I created an account with XXXX the same day to start and monitor my credit because I've had problems in the past, and found an apple account was opened in XX/XX/XXXX. It was paid as agreed until XX/XX/XXXX and late charges started to occur. I have no knowledge of this account and have never had any late or negative things reporting on my credit until this incident. I have over XXXX years of paid as agreed accounts. I am filing this report/claim as identity theft to me. Somehow my information has been linked and XXXX has a report of some of my information being found in the dark web. This incident has started to negatively effect my credit and I hope this is corrected as soon as possible. XXXX and XXXX XXXX provided me the statements for this account and a bunch of charges to apple were made from XX/XX/XXXX to XX/XX/XXXX where in XX/XX/XXXX the late payments started to take effect. I don't think I would have let a an account become delinquent and my credit history should prove that. I have never applied for a apple card through XXXX XXXX. I disputed the account with XXXX and they told me to file a report with the FTC. I hope this is resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
There was a promotion where clients opening a signature advantage checking account before XX/XX/XXXX ( today ) would get a {$500.00} bonus using the promotion code XXXX. However, once trying it, the site said the promotion had expired, even though it was still running through the end of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has failed to properly investigate my report since I have seen a lot of issues and errors reporting on it. Also, they have failed to comply with my request of submitting any proof for me to validate the result of their investigation. They consciously continue to report unfamiliar, incorrect, and unauthorized items on my report which is hurting my credit credentials. This should be stopped immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$83.00} XXXX XXXX  Date of inquiry XX/XX/2021

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 2023-08-29
Company: EQUIFAX, INC.
State: OH
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2018-06-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened this account prior XX/XX/XXXX.

My first credit line Increase application was back inXX/XX/XXXXand it was denied I was told to wait until XX/XX/XXXX to apply again to see if itll be accepted I was denied again.

I called customer service rep and spoke to several customer service reps as well as manager and explain that I had tried several times to get a credit line increase and I continue to get denied.

The last agent I spoke to told me I needed to wait until XX/XX/XXXX that is 1 year wait too long of a time in every denial letter the only thing that it says is that a credit line increase is not available. My credit is over 730 in all 3 credit bureaus also I have always made on time payments every month and paid more than the minimum every both while always maintaining a low balance on my account. 

I want to be given my credit line to be increase like I'm supposed to.

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 2023-08-29
Company: EQUIFAX, INC.
State: GA
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX SIMPLE Account Number XXXX Delete this account. 

2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number XXXX Delete this account. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES BANK XXXX XXXX Account Number XXXX Delete this account From My Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX  Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX  Balance : {$8.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX  XXXX XXXX  Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX  Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-09-16
Company: Experian Information Solutions Inc.
State: PA
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:
I have tried to resolve a dispute through experian credit agency about incorrect information being reported on my credit file. I filed a dispute and then another and was told that they will not dispute it again.I have several accounts being reported as charged off and balances when these accounts were clearly under chapter XXXX protection.
XXXX XXXX-showing a XXXX balance. XXXX XXXX showiing a XXXX  balance.
XXXX showing a XXXX balance. XXXX XXXX, charged off. According to FCRA " things that can not be included in credit report are currently owed and active, charged off, having a balance due, late or delinquent or outstanding debts.This also appears in chapter XXXX laws which I am protected.
Experian is clearly in violation of several laws of FCRA reporting and Chapter XXXX reporting I want the items listed on my credit report to be accurate and fair.

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 2023-08-29
Company: EQUIFAX, INC.
State: NJ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, at around XXXX, I made four deposits using the ATM machine located at XXXX XXXX XXXX XXXX, XXXX , WA XXXX. My husband and my mother-in-law were with me. I deposited a total of {$11000.00} in cash ( in XXXX bills ). The money was brought by my mother-in-law from XXXX to pay for her expenses during her visits in the US. 

The four deposits were split into four transactions due to the cash deposit amount limit. The first deposit was {$3000.00}, the second {$3000.00}, the third {$2700.00}. However, for the fourth deposit of {$2300.00}, the ATM machine got stuck and swallowed my money without showing the amount I deposited. The ATM print out a receipt with a customer number ( XXXX ) for me to contact. I called that number immediately, and they say they will look into this situation. After 3 days, I saw my checking account was credited {$2300.00}, so I thought the issue was resolved, and I threw away the receipt. 

However, on XX/XX/XXXX, I got a mail from Chase saying they did not find the {$1700.00} and thus they reversed {$1700.00} credit that was placed on my account. I called Chase to re-investigate the issue, but after another week 's investigation, they said they still did not find the {$1700.00}.

This is shocking to me. I told Chase all the money I deposited were XXXX bills, the {$1700.00} seems very absurd. Could it be possible that the ATM machine spit out the money after we left and someone took it? I don't know how the ATM did the balancing of the ledger, but there is definitely something wrong. I don't know what's Chase 's investigation process. I requested to see the video footage of that night when I made the deposit, but Chase declined it. The video might prove that we did deposit a big stack of cash, or show somebody else took the money. I don't know what to do. Please help. 

I attached the bank withdrawal transactions from my mother-in-law 's XXXX 's account. She made a total withdrawl of {$14000.00}, but she just brought to the U.S. {$11000.00}. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-30
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I am a customer of Freedom Mortgage. My loan number is XXXX. After reviewing my recent mortgage statement I saw that the price had increased. I called Freedom Mortgage to ask why and they stated that it was due to an escrow shortage. The shortage is due to Freedom Mortgage paying XXXX money from my escrow account to another XXXX Policy Holder. 

This shortage is a result of discrepancy between Freedom Mortgage and my home owners insurance policy holder XXXX. XXXX XXXX is the Senior Premiums Receivable Specialist at XXXX. She reported to me that Freedom Mortgage sent a check to XXXX for {$1000.00} on XX/XX/XXXX. The check number was XXXX, attached t that account number was a policy number of XXXX and a loan number of XXXX belonging to someone named XXXX XXXX. 

Freedom Mortgage then sent another check ( XXXX ) for the same amount on XX/XX/XXXXwith the XXXX Policy number belonging to XXXX XXXX but with my name and my Freedom mortgage loan number. My only policy number XXXX was not on the check or payment stub. A review of the account for XXXX XXXX shows that on XX/XX/XXXX a refund of {$1000.00} was issued and cashed. 

I have attempted to contact both parties to remedy this. Freedom Mortgage has made the mistake of paying XXXX to cover another account out of my escrow account. However it is my belief that insurance companies need to make requests for these payments from mortgage lenders so I am not sure which one of these companies are at fault. What is clear is that my wife and I are a victim of this mistake and I would like for the consumer protection bureau to investigate this for me as I have been asked to continue to pay the increased mortgage amount and no one has guaranteed that this money will be returned to my account. Another concern is the ease as to which the name and policy number of the person who received the over payment was given 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 explanation
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
XX/XX/2023 My husband and I have a VA Home Loan and due to hardship we asked for a forbearance. We filled out the application over the phone with Bank of America. They said we didn't qualify because of having a VA home loan. If we had any other loan, we would have qualify. That is Veteran discriminations

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