BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: TEXAS CAPITAL BANCSHARES, INC.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a savings account with XXXXXXXX XXXX on XX/XX/2023. I saw them in a search for high yield savings on Bank Rate. I also looked them up online. 
Their online ad states " XXXX Offers Interest And Miles- Earn Miles And 4.75 % APY, Why choose one " I spoke with two customer service reps for XXXX regarding opening the account. I told one of them I was happy to find them because they pay a reasonable interest rate where my bank is paying only a fraction of a percent. I was opening an account that also ( I thought ) awarded XXXX XXXX miles in addition to the interest rate. 
Over the course of XXXX, I deposited a total of {$19000.00}, with several deposits. 
I checked on XX/XX/XXXX to see what my interest was that had accrued. There was nothing. I sent an email and asked how and when it accrued and when it would go into my account. I have not received a reply. 
I chose XXXX because of the interest rate and the miles. I am selling my home and will make a considerable deposit later this year and I am moving to an area where XXXX XXXX XXXX will come in very handy. 
After not hearing back, I decided to do a very deep dive into their website and after 20-25 minutes, found a deeply hidden and small print statement that the airline miles account does not offer a cash interest payment. 
I called today and talked to a representative who said I should have known based on the rest of the ad. I feel it is very unclear. I was NEVER told anything by either rep I spoke to when opening the account. It was not clarified that there was not both interest and miles. Nothing I signed told me this. 
I feel their ad is quite misleading. There is a BIG difference between " AND '' and " OR '' AND is in addition to and OR is choose one or the other. 
I asked that my account be changed to interest bearing and was told I'd have to handle it myself. They also are, so far, refusing to adjust my account as if I had opened the interest nearing account and not the mileage account. 
Customers should not have dig and dig into a website to find out the rules regarding an account they are opening. All aspects, especially those not normally considered by a lay person, should be clear, concise and obvious, and the representatives should make sure they have agreement with the customer before going forward. 
I've included the ad on the XXXX search as well as the info page from the website on the XXXX account. No mention of no interest accruing. 
Information on the account that it does not accrue interest is on the Privacy and Disclosures, Page 27, 10+ clicks to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: NATIONSTAR MORTGAGE LLC
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We attempted for 2 years to obtain a modifications through Nationstar. Our person of contact was constantly changing, our paperwork was not not being processed quickly, and we were having to resend documents and restart the process every 30-45 days. after becoming frustrated and hopeless, we decided to seek a short sale. In XX/XX/XXXX, we contacted Nationstar to begin the short sale process. We gave them our realtor information, and were told the process was started, and they would contact our realtor. Our realtor requested the required documentation several times and never received it. Nationstar never contacted our realtor or us about the short sale. In XX/XX/XXXX, our realtor decided not to do our short sale because of the lack of communication from XXXX. We contacted Nationstar in XX/XX/XXXX about doing a deed-in-lieu. We were told that was a good possibility, and after asking a series of questions, we were old the process was started, and we would receive the paperwork to complete. We never heard back from Nationstar, and our home was foreclosed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2019-03-30
Company: Western-Shamrock Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company calls me everyday and leaves a message. They stop by everyday or everyother day and park in my driveway and knock on my door hard and leave notes! Are threatening in action, acting like thugs!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX balance XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXXXXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XXXX, XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 
-Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX $ balance 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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 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 2023-06-02
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Goldman and Sachs for my apple card account. Accepted my payment and applied it to my account with out making the credit available, and then reversed the payment a few days later. I have the screen shots of when they accepted the payment and the available credit was still left at XXXX. my payment was not returned to me and its been well over a month and a half. 
Notice of dishonor sent to CFO of Goldman and Sachs Next Day air express envelope. 
Tracking number XXXX XXXX XXXX XXXX XXXX. New Payment with tender instructions with a memorandum and bankers affidavit. 
I will be filing a 3949-A form with the IRS for failure to honor, process and credit account. This has caused loss injury and harm to myself and my offspring. an offer of performance was tendered in good faith as full satisfactory of their claim with the full intent if extinguishing any alleged debt, duty, obligation, or liability it is their duty to honor my instruments. They are also making false statements to the credit bureaus and denying, e access to my credit. I ask to have my instruments honored and access to my credit. also to have proper reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed a few accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Motolease, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I open a joint account lease for motorcycle about XX/XX/XXXX. About XX/XX/XXXX, I voluntary surrendered the vehicle associate with this account. On XX/XX/XXXX, XXXX sent me to collections with Credit Solutions Corporation for the remaining balance. About XX/XX/XXXX, I settled the collections. Then 3 years later about XX/XX/XXXX, XXXX reported the first 30 day late payment for the account that I settled with Credit Solutions Corporation and was paid and satisfied in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: IL
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 have on a number of occasions submitted a full Idenitiy thef package to Equifax in regards to these fraudlent account open by a Idenitiy thef. 
and Equifax had continue to violate my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: UT
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:
Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the inquiries will be deleted as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-07-08
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, I stopped paying my mortgage because I could no longer afford to pay the monthly mortgage payments. I attempted to negotiate the terms of my loan, but the bank refused to lower my monthly payments and the principal balance of the loan. I hired an attorney in which he was not able to lower my monthly payments nor the principle balance with XXXX XXXX. According to Nationstar the current loan servicer, XXXX XXXX did not participate in loan reductions for struggling homeowners and as a result I had to reluctantly agree to a loan modification or risk losing my home to forclosure. I was a victim of a predatory loan when I purchased a was approved for a second mortgage to remodel my home in XX/XX/XXXX which caused me to fall behind on my monthly mortgage payments. The loan was originated by XXXX, sold to XXXX XXXX XXXX and then sold to XXXX XXXX. In addition, the loan was serviced by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the loan is currently being serviced by Nationstar Loan Servicing. As of XXXX/XXXX/XXXX, my principle balance has nearly XXXX from XXXX dollars to XXXX and my monthly mortgage payments have remained relatively the same despite the loan modification. My home is currently valued at approx. XXXX dollars and unfortunately I will be forced to leave my home due to the bank 's refusal to negotiate in good faith. 

Note ; The copies and documents regarding this matter will be submitted via fax or US mail upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX ran my credit without my permission i ask them to only run one bank and they ran my credit to various banks which has left me with multiple banks running my credit without my permission. My Identity has been comprised in which someone has been trying to take various lines of credit in my name. 

" XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX XXXX " XXXX XXXX XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXX '' " XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) '' " XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) '' " 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 2022-11-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 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 3rd 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-08-17
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
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:
This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third party affiliates such as XXXX, XXXX, and XXXX. You have knowingly and willfully with held information that explained I, the consumer, can exercise that non disclosure right. You are in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In the first week of XX/XX/XXXX, I met with XXXX XXXX, the assistant manager of the XXXX XXXX, Ohio branch of U. S. Bank. I, at the time informed XXXX that my wife XXXX had died on XXXX day and I would need his help to change the accounts to my name. I furnished him with a copy of our wills and gave him a copy of the death certificate so that he could start the procedure of making the necessary changes. Everything was progressing smoothly until XXXX realized that one of the accounts which had been opened by my wife and never used was in her name only. He said that that account would have to be probated to access the funds. I checked with the XXXX County Ohio clerk of the Probate Court and was told that the fees for this would probably be {$800.00}. When I gave this information to the bank, XXXX made some calls and said not to worry and then informed me that he was told that the money would eventually go to the state as unclaimed funds and that I would be able to claim it. 

Since that time, I have on several occasions contacted U. S. Bank customer service to check on this matter and could not get a satisfactory answer on when this money would be given to the state and the account closed. In XXXX I had again called and the individual I then spoke with said that the transfer should have already been made and that he would check on it and call me back. He never called back. In the fall of XXXX, when looking at my latest statement, I noticed that the account in question had been charged a service fee. I stopped at the XXXX XXXX ( XXXX XXXX XXXX had been closed ) and spoke with one of the cashier 's who said she would take this up with the branch manager. She called me and said that she was not able to give me a satisfactory answer but would continue to try and find one and call me back in a week or two. Upon visiting the branch she had then informed me that she had not been able to resolve the issue and that they would continue to charge the service fees. 

This institution has been holding on to funds that do not belong to them and are now charging the account [ that should have been closed 5 years ago ] a dormant account fee. This will eventually empty the account and they will then close it. This should be stopped and they should be made to refund the fees that they have unjustly charged, and pay interest on the money that they have unjustly held on too for five years. I cant help but wonder how many other people that they rip-off every day who are in the same or similar situation as I found myself in. It would be interesting to know how big a chunk of money that this thievery amounts to every year.

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 monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
As of yesterday the following accounts on my Transunion credit report were listed as " closed '' which they had been for years! Today they were changed to " open '' and " installment '' which they are not because they are closed!! 

XXXX XXXX XXXXXXXX was changed from closed to open ( which it is closed ) XXXXXXXX XXXX XXXX XXXX was changed from closed to open ( which it is closed ) XXXX XXXX was changed from closed to open ( which it is closed ) XXXX XXXX was changed from closed to open ( which it is closed ) XXXX was changed from closed to open ( which it is closed ) This is a direct violation of the FCRA and a violation of my credit rights as a consumer! These items need to be deleted from my credit report as active open accounts immediately!!

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