BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have a mortgage on my Condominium with Fifth Third Bank. My taxes and insurance increased last year by approximately {$2000.00}. The escrow statement for the coming year has reflected the increase and I agree with that. The escrow statement however, claims that I will be {$5700.00} short this year even though I am paying throughout the year. The Bank 's justification for the shortage is that they are paying the tax in XXXX, even though it is not due until XXXX. Further, calculating the balance at the end of the year, they still claim that I would be {$1200.00} short, even though I will have {$4500.00} in my escrow because they are using the same logic for the next year. This is akin to asking for a deposit and this skewing my payments wherein I am paying {$900.00} a month for escrow and only {$800.00} for my mortgage and interest. I have another account with Fifth Third and this is even more more egregious because the county has not even released the tax bill which will not be due until XXXX of Next year and they are claiming that they are paying this in XXXX. Fifth Third personnel were rude and told me that they have a right to collect the money at any point since they are the ones paying the taxes and insurance. In effect, they are skewing these escrow balances on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NV
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: NAVY FEDERAL CREDIT UNION
State: OH
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 opened up fraudulent accounts in my name : XXXX XXXX. on XX/XX/XXXX for XXXX Navy Federal XX/XX/XXXX for XXXX XXXX, XXXX. XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXXXXXX XXXX XXXX, 2017 Dear : Consumer Financial Protection Bureau I 'm seeking assistance concerning my home equity loan with Bank of America. 
They 've changed the terms of the original signed contract between us without my consent, because I would not sign papers placing the Bank from a loan originating in XXXX 'to a lien position regarding my property years after they discovered on their part they 'd not done due diligence and grossly neglected to process the loan correctly. 
Then threatening and using bribery tactics which they carried out. Causing me financial damages including not issuing my XXXX interest deductions for the HELOC. As they 'd done previous to them realizing the mistake. 
I 've tried contacting the appropriate department within B of A for years now including written correspondence ( copies included here ) To which they responded with a generic form letter that has nothing to do with what I was requesting. 
I 've included, with this correspondence to you copies of my letter to B of A and the original letter they sent me regarding this issue. And other copies. 
Please help, as I do n't know what or who else to contact at this point. 
I 've always made my payments on time, never been late regarding this loan. And am current to date. 

Thank you, 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 2017-03-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax continues to report this erroneous, unverifiable, inaccurate account on my credit report. I have disputed this account ( XXXX ) with this bureau on 4 occasions and each time it was verified. In XX/XX/2016, I disputed this account with XXXX XXXX XXXX, XXXX, who at that time was reporting this item. I received this letter from them in XX/XX/2016 where they indeed stated that they had submitted a request for each bureau to remove this item. It is now XX/XX/XXXX and Equifax is still reporting this item. Additionally, how are XXXX collection agencies attempting to collect this same debt. Equifax is allowing XXXX XXXX and XXXX XXXX to report. That is against the law. XXXX collection agencies may not attempt to collect on the same debt. This bureau has been relentless in reporting and updating my credit reports. These accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-24
Company: Capital Link Management, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have an account from balance credit that I guess was bought by a debt collector- capital link management address XXXX XXXX XXXX XXXX XXXX XXXX. They have harassed me, spoke to me via email very rude, disrespectfully, and called me basically a liar about a date that I mailed a check. I have all email communications they have sent me for reference. Also they told me multiple times that as long as the settlement check was received by end of XXXX it would be acceptable as settlement. Now they are saying since it wasnt received in now they will not take it, they keep going back and fourth. And soooo rude to me. They have caused me so much XXXX, stress and no one should be treated this way. I want to get a lawyer and sue them for approaching me this way!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: United Check Recovery Bureau, Inc.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a loan that I defaulted on because of an unforseen circumstance in my finances. I never heard anything from the company. Then last week my Dad gets a call telling him they are going to turn me into the IRS and got him all worried. When I called them they threatened me. They said they were going to take my car, garnish my wages, have me arrested, and file with the IRS. One way or another they were getting there money. I was bullied into making Payment arrangements with them. They emailed some document to me but I could n't open it up without signing it first. Ithe was just telling me I was making payments to them for the next 24 months of what they said they would only take. I still up to this point had nothing in writing from them of the debt or amount owed. Then they started calling my work and even left a message on my bosses phone wanting to take my wages. I asked them not to contact me at work. They still called my work. I sent them in writing and called several times asking for themail to mail me paperwork. They said they did back in XXXX but last week they said they did n't have my address. I have checked and there is no Judgement filed against me to do with this debt. They belittled me by calling me names, telling me what I needed to do, and bullied me with threats. I made my boss and HR department aware of everything. I called the bank that holds the note on my car and even told everyone that gets a call from them about me to block their number. It has become way to much to deal with. My XXXX has peaked and now my health is taking a toll already because they wo n't stop with the threats and it has only been. A little over a week. The company is United Check Recovery Bureau , Inc. I never get the same person on the phone and they keep bouncing me back and forth with the person they claim holds my account. They are mean and very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: TX
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:
ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ),  independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by  using an array of ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been having a horrible experience with Barclays and just made a CFPB complaint about them not handling a fraud on my account correctly. Instead of resolving it, just yesterday after I had a nice conversation with the office of the president, they instead reported me as delinquent ( I have NEVER been late with them and always paid my account in FULL every month! ) and now my credit score has tanked 31 points! I am so upset that they are being vindictive and hurting me personally because I made a complaint against them! I really need the regulator to assist me as this is the worst experience I ever had and they are ruining my credit now! They put on the credit report that they concluded the investigation and I am now 30 days late! They never sent me the results of any investigation and on the contrary told me they would actually investigate this. They reported me on XXXX  on XX/XX/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 2023-09-21
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a deeply concerning matter regarding my recent experience as a new customer with Citibank. I opened a Citibank account online in XX/XX/2023, attracted by a {$1.00} Cash Bonus promotion for new account holders with {$75.00} of deposit. Unfortunately, my experience has been far from satisfactory, and I am turning to you for assistance in finding a resolution and fair compensation for the issues I've encountered. 

As per the terms of the promotion, I diligently followed the provided links and deposited {$75000.00} into my Citibank account. I ensured that these funds remained untouched for the required qualifying period, with the expectation of receiving the Cash Bonus as promised on XX/XX/XXXX. 

To my great disappointment, I have not received the promised Cash Bonus as of today. Despite my multiple attempts to resolve this issue through Citibank 's customer service channels, including chat and phone support, I was met with frustration. Citibank representatives informed me that there is no record of the promotion being linked to my account, which is perplexing given that I meticulously followed all the necessary steps during the online account setup process to qualify for the promotion. 

I kindly request that the CFPB investigate this matter on my behalf, recognizing the documented steps I took to participate in the Cash Bonus promotion and ensuring that I receive the Cash Bonus as originally promised. Additionally, I believe that fair compensation for the inconvenience, financial loss, and time spent trying to resolve this situation is warranted. 

I trust in the CFPB 's commitment to consumer protection and ask for your assistance in addressing this matter appropriately. I will cooperate fully and provide any necessary documentation to help resolve this issue promptly. 

Thank you for your attention to my concerns. 

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 2022-05-06
Company: Experian Information Solutions Inc.
State: TX
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:
EXPERIAN, XXXX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we closed on a refinance of our primary residence located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The outstanding loan amount was about {$89000.00}. We always paid our mortgage on time, never was late. In XX/XX/XXXX/XX/XX/XXXX our home was destroyed by fire. Our insurance company XXXX, cut us a check to payoff the mortgage and to begin to rebuild our home. The check amount was {$260000.00}. We ( my spouse and I ) had to endorse the check on the back and send it to the mortgage company to pay off the balance. In turn the mortgage company, Freedom Mortgage, sent to us the difference of the mortgage owed to them. The remaining amount is being used by us to begin rebuilding our home. The amount sent to us was {$170000.00}. However since XX/XX/XXXX, we are receiving calls from the mortgage company stating that our mortgage is due and we owe them a payment. The latest representative has called us and threatened to begin the foreclosure process. The loan should have been paid off with a balance of XXXX. When talking to the representatives, they state that the records show we owe over {$80000.00}. That is not possible, because we received a check for the difference of what we owed on the loan. I have attached a copy of the check showing it had cleared the bank.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My chase checking account was compromised some how. I was in XXXX at the time. Phone and bank card on person. But I noticed that there was an XXXX withdrawal make to my account. I notified the bank. But it seemed like the representative I was speaking with caught an attitude because I mentioned the activity in my account. She hung up. Two days later my card was off and both of my external account. ( XXXX XXXX and XXXX XXXX ) We're both overdrawn by the bank. I received no help. They didn't fix the problem and they closed my account. My loosening {$3500.00}. Out of my account all for no reason. Can I please get some assistance please .... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CL Holdings LLC
State: PA
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:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I noticed a collection that was placed back onto my credit file after previously being removed the company is reporting negative information on my credit file and was yet to prove that i do in fact owe this alleged debt and i want it removed off of my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: CA
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 XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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

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