BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Block, Inc.
State: NY
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:
On XX/XX/2022 my CashApp account was rapidly charged with the following between XXXX - XXXX XXXXXXXX XXXX : XXXX. {$11.00} from XXXX XXXX. {$20.00} from XXXX XXXX XXXX XXXX. {$100.00} from XXXX XXXX XXXX. 
XXXX. {$10.00} from XXXX XXXX XXXX XXXX. {$7.00} from XXXX XXXX. {$2.00} from XXXX XXXX {$250.00} from XXXX XXXX XXXX {$250.00} from XXXX live XXXX. {$100.00} from XXXXXXXX XXXX XXXX. {$10.00} from XXXX XXXX XXXX. 
XXXX. {$4.00} from XXXX XXXX. {$37.00} from XXXX XXXX XXXX. {$2.00} from XXXX I noticed the activity on my phone application as the charges happened and immediately notified the card company, first by an in-app chat feature then by 800 number hotline. I was informed i could not disputing these charges until they were fully processed and the funds fully and truly removed from my account. In the meantime it was suggested and enacted to deactivate and re issue a new card with a new number. As soon as each charge was clear i filed the disputes. I was told the process can take weeks so checked back one or twice a week yo get progress reports. this was after all every cent to my name that was missing. After several rounds of denials and legion of chat, emails and phone calls i was given next to no information as to why this happened and why no responsibility was taken for allowing it to happen. After over a month of these redtape acrobatics the document they sent as an explanation was mearly an itemised list of my disputed transactions and a two line notation by each one explaining that the card was not present at the time for any of theses criminal deeds and they were perpetrated in a timezone hundreds of mile and several stated over. Im at my wits end

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
M & T and XXXX XXXX are attempting to foreclose ob my home with fraudulent robo signed assignments. m & T refused to respond to my QWR, dispute and the debt validation. I request a loan modification i mailed in the documents and a week later i received a notice of foreclosure .This clearly dual tracking. I only owe {$100000.00} on my loan and my house is valued at XXXX. the are attempting to foreclose on my for less than {$7000.00}

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 2023-01-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Long story short, my ex-husband allowed our home to go into foreclosure. I called and made payment arrangements, gave over XXXX to catch up on some payments, drained my XXXX only to be told that after my 3 on-time lower payments, I was denied the program to assist with the mortgage. I attempted over 4 years to work out payments, sending additional money and payments that they asked for to get into the lower income repayment programs and denied many times. Throughout the 3 years of them taking payments, and making promises to work with me, I got a notice XXXX weeks before XXXX that I had 30 days to get out, even with my children. My ex-husband claimed XXXX on his portion of the home, which I did not know, since I received a letter from his attorney stating he mortgage was not included in the XXXX Needless to say, I called Wells Fargo immediately, they said there was nothing they could do that I must get out of the home. I explained again, they have all the notes in the system that I was trying and not one person told me that there was a XXXX  on the home and that the 3 year tome period was up and since I did not refinance, I had no claim to the home. After almost 4 years talking to them every other month, them taking over XXXX of my money then taking my home. I lost my home in 2014 due to Wells Fargo allowing a XXXX  on an individual and turning it into a joinXXXX XXXX XXXX NEVER CLAIMED XXXX! MY EX-HUSBAND DID, ON A JOINT MORTGAGE!

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 2020-06-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need the FRAUD ALERTS removed immediately from all 3 CREDIT BUREAUS. I tried calling and sending documentation but the alerts still remain and is keeping me from applying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Over the last few months, I noticed the amount due on the company website is different from the XXXX generated statement, this would be like what a person would receive in the mail. I started taking screenshots just in case there was an issue. In XXXX, I neglected to take a screen shot, which was unfortunate for me, because then interest was charged, even though I paid the full amount as shown on the website. In XXXX, I did take a screen shot and it shows {$4600.00} is due and was paid in full. My XXXX statement showed {$4700.00} and now I am being billed interest. Even at these large amounts, I can afford to pay my credit card in full each month. So, obviously, if I can afford to pay {$4600.00} I can afford to pay {$4700.00}. There is something seriously wrong. I have been a Citibank customer since 2015. I can tell you over the last six months, something is different there. They revamped the payment screen and ever since then, the problems have begum. It is so subtle. That is what concerns me. How many people do not pay close attention, and are getting charged a little bit of interest here and there?

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 2022-10-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Account No : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 A Section 2 .

States I have a right to privacy 15 USC 1681 section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containg any of the followering items of ingormation.any other adverse items of information other than records of conviction of crimes which antidotes the report by more than seven years.

15 USC 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 case to belived that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome was the servicer of our refinance in XX/XX/2021, and they told us our payments would be $ XXXX for a 20 year mortgage. One year later, after getting billed $ XXXX, we got a notice of an escrow shortage of over {$2000.00}. ( Not because tax increase or insurance increase ) They had been billing us the wrong amount, and we never would have signed off on the contract if they had told us how much the payments should have been from the start! I believe they gave us a low number to get us to sign with them, but of course I do not know the name of the agent who helped us. Additionally, our mortgage has since been transferred to another servicer. ( XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got my mortgage with NationStar now known as Mr.Cooper in XX/XX/XXXX. I initially requested to have all my taxes escrowed so I can pay them on a monthly basis. Everything was going fine until I received a letter from an attorney in XX/XX/XXXX stating that a lien could be placed on the mortgage if I didnt pay my MUD taxes. I then called Mr. Cooper and asked for the reason my MUD taxes werent paid, they advised that a system glitch caused the MUD taxes to be removed. I then requested for them to add it back on. In XX/XX/XXXX, I was informed that all my taxes were removed from escrow due to system glitch. I never requested for them to make any of these changes to my mortgage. This opened a can of worms with my mortgage, I am now late on payments and Im being penalized due to Mr. Cooper incompetence. The tax companies are now making me liable for all the changes made. Mr. Cooper is no longer assisting with my concerns, their escalated agents are not answering my calls or emails. I need help ASAP before I end up losing my home - XXXX XXXX I live in XXXX Texas. Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These companies all have not properly verified an existing problematic account reporting on my credit report. I have contacted them since XXXX. They never sent any documents from the letters I sent that properly verified this auto car loan that is reporting on my credit report which shouldnt be on there. All I keep receiving is letters from these bureaus stating " this was verified '' or " this was updated '' and never any documentation from the actual company. I am distressed that this issue has been going on for 6 MONTHS. This is ridiculous. This account needs to be removed from my credit report. There are laws that protect me as a consumer and they are going against ALL OF THEM. NO proper response and false validation or verification on their end.

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 2022-10-26
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted on XX/XX/XXXX via email by a XXXX XXXX who has been emailing me for several weeks now. She insisted that her grandmother was out of food, sending me a photo of an empty frig. She stated she also needed new bedding and asked me to send another {$25.00}. ( this was thru paypal and is payable on XX/XX/XXXX. ) I had sent at XXXX XXXX request to XXXX XXXX {$25.00} on XX/XX/XXXX ( via paypal payable XX/XX/XXXX ) for gas for her grandmothers vehicle. I found out on XX/XX/XXXX late that evening that she did not have a grandmother nor did she have her grandmother 's vehicle. The whole thing was some sort of a scam! XXXX XXXX has now deleted her name/etc from XXXX where it was originally. However, I still have some of her conversations on XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: KEYCORP
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Last year my student loans held by Key Bank were changed from being serviced through XXXX XXXX to XXXX. Yesterday, XX/XX/2019, I received a letter from XXXX informing me that one of my Key Bank loans had been moved to collections and I need to pay them a little more than {$21000.00}. Today, XX/XX/2019, I called Key Bank. They told me that one of my accounts with them had been cashed out back in XXXX due to lack of payment. This makes no sense as I've been making my monthly payments. Key Bank went on to tell me that they have records of attempting to contact me on the phone. I have received calls from them in the past, however, these were all automated calls regarding various times that I have occasionally been a little late with my payment. On all of these occurrences I made the appropriate payments via the XXXX website I was instructed to use and then the automated calls stopped. I have not received any other notices that I had any accounts in delinquency. In fact, both XXXX and Key Bank simply stopped sending me bills for the problematic account and it does not show up at all on the website I use for payments. I went on to call XXXX following my conversation with Key Bank as Key Bank instructed me to. They said that I had stopped paying that one account last XXXX. I asked them how that was possible since all my other accounts are up to date and they take a single payment from me to pay all of them. I was told that I'd need to speak to a supervisor about that, but they'd have to call me back because they're too busy. I'm currently waiting for their call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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. 

I told the XXXX, XXXX, and Equifax to correct my personal info so everything can correct on my report. 

Name : XXXX XXXX XXXX XXXX SSC # : XXXX Address : XXXX XXXX XXXX # XXXX XXXX, Iowa XXXX However XXXX they stated everything was complete and accurate. But how is that possible if they still showing incorrect info on my report. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  has been charging me {$1800.00} for Capital One I have been telling them I never borrowed from Capital One so the charge is fraudulent a few months ago they called me and told me to do a {$100.00} payment and that it will settle the account so I figured its worth it so they can stop calling me but they just deducted the money from the total and still call me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX {$4800.00}

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 2022-03-09
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a new XXXX credit card account in XXXX of XXXX. I received my first statement and bill in XXXX, due XX/XX/XXXX in the amount of XXXX. I submitted an online bill payment of XXXX through my XXXX XXXX account on XX/XX/XXXX, with a pay date of XX/XX/XXXX. I received a confirmation number of XXXX and check number is XXXX. XXXX says they did not receive it until XX/XX/XXXX, it was late according to them and I was charged a XXXX late fee. I called XXXX and spoke with XXXX he told me to dispute all fees with Comenity Bank and provided the mailing address. I mailed a letter on XX/XX/XXXX and included screen shots of my online bill payment dates and confirmation number. I received a letter dated XX/XX/XXXX and another bill in the amount of XXXX two late charges and interest. I called back XXXX  on XX/XX/XXXX an asked to speak with a Supervisor. I spoke with XXXX and she told me that I would need to prove the date it was received, that the screen shots I sent were not proof. I told her I showed good faith in paying my bill on time by allowing at least 10 days but she told me that it didn't matter- that I am responsible for ensuring it gets to them by XXXX EST. This was my first bill with them, having been a new account that I paid in full and they are continuing to charge me XXXX {$35.00} late fees and interest until I pay. I have opened up an inquiry with XXXX XXXX to see if they can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
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:
Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$10000.00} {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt.

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