BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are many issues that are not quite correct when interacting with US Bank Customer Service Representatives ( Reps ). Either there are errors or unsupported collection of fees regarding private mortgage insurance ( PMI ) cancellation. 

Issues First, in XX/XX/XXXX, I verbally requested that PMI be removed from my account and was told that I would not meet the 80 % loan to original value ( LTOV ) until XX/XX/XXXX. After reviewing a US Bank letter ( dated XX/XX/XXXX ) and my US Bank Mortgage Statements, I determined that the XXXX date was in fact an error and LTOV was met in XX/XX/XXXX. This being the case, I missed the ability to write a request for PMI cancellation sooner than my XX/XX/XXXX request ( enclosed ). Based on the ( enclosed ) Consumer Financial Protection Bureau ( CFPB ) Homeowners Protection Act ( HPA ) Examination Procedures that indicates based upon the initial amortization schedule ( in the case of a fixed rate loan ), I could have made an earlier written request for cancellation if I was provided ( in XX/XX/XXXX ) with the correct date that LTOV was to be met. As you may be well aware, this is a lost opportunity to save money because paying a {$100.00} assessment fee and achieving PMI cancellation is cheaper than paying for six plus months of PMI ( at $ XXXXmonth ) that I do not need. 

Secondly, today ( XX/XX/XXXX from XXXX to ~XXXX XXXX EST ), I spoke with US Bank Customer Service Representative ( XXXX ) and was told that an assessment fee of {$100.00} is required to automatically terminate PMI, even when the 78 % threshold is met, and this is not clear from the XX/XX/XXXX letter ( enclosed ) that I received.

The paragraphs ( page 3 ) under the ( US Bank letter ) heading Automatic Termination of PMI are absolutely, positively not clear. It states that PMI comes off the loan when a 78 % threshold is met. The letter does not sate, as the US Customer Service Rep told me, that an assessment fee of {$100.00} will be expected if a person meets the 78 % threshold before the LTOV date. Per the aforementioned CFPB document ( page 3 ), There is no provision in the automatic termination sectionthat protects the lender against declines in property value or subordinate liens. That being stated, indicating I would have to pay a {$100.00} assessment fee after meeting the 78 % threshold, no matter the date at which I do so, does not seem justified. 

And by the way when I tried to send an email to XXXX, the address the US Bank Rep XXXX told me to use, it came back undeliverable.

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 2017-08-17
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a debt with this collections attorneys office for 6 years, I 've paid regularly monthly. I have even made lump sum payments on this medical debt. Last month I received a call that my card had expired that they charge monthly. I gave her the updated card information and while on the phone with her asked what we could settle my debt for and get this all cleaned up. She said she would check and call me back. I recieved a call offering to settle for XXXX now and XXXX next month. I told her I would have to think about that. 2 Weeks later my employer gets a letter that they were garnishing my wages. I had paid on this debt with them for 6 years and then they said I was not paying it and added fees and interest, and more attorneys fees. I never canceled or defaulted on my obligations to pay them, its not fair of them to do that when we had an agreement. Why would I call and update my card information if I wanted to cancel paying? This is just a scam for them to get more money and is not right. When I called to say hey what the heck, they said you need to go ahead and settle now for XXXX more than what it was last month or now that we have the garnishment it is really going to affect your credit. I am so furious with this company, I have done my best to work with them to pay a medical debt and they are treating me like a criminal with no rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
To whom it may concern I was a victim of Identity theft I have reached out to all XXXX major credit reporting agency XXXX, Experian and XXXX these said accounts were deleted from my account. The accounts was deleted from my credit profile and was reinserted. Section 611, States I was to be notified in 5 business days of my account being reinserted back onto my credit profile and also according to the FCRA all 3 credit reporting agencies must have the same information. I also opening up a dispute on XX/XX/2023 and got a quick response back in 3 days the the items was verified as mines. It takes an investigation 30 days so I'm assuming they never investigated the accounts I stated in my report please provided all statements showing the exact times these account occurred I can't open another dispute according to the FCRA as a consumer

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 2018-05-21
Company: Convergent Resources, Inc.
State: IL
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:
To whom it may concern : I have a collection account on my credit files from a collection agency the account is as follows : XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX. Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX   ). I have sent them a dispute requesting a VALID CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT and NOT A BILLING STATEMENT. I will attach a screenshot of where this company is licensed to collect and it isn't in the state of ILLINOIS! I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois and A CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT. Your immediate response will be greatly appreciated. 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 2022-09-06
Company: Experian Information Solutions 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my XXXX information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Experian is given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates 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 2019-03-28
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have complaint against citibank credit card.I have been levied annual fees in my statement. On approaching them, they said that my usage was less in the year so they have charged. I informed them that I am not interested in the card and would not be paying such annual fees. They blocked my card and now they are sending me bill with annual fees and interest thereon. I have not even used any credit points nor I have delayed any of their payment since the year I opted for the card. 
Name : XXXX XXXX. 
Mobile No. : XXXX. 
Email Id : 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 2018-06-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/2018 I am the cosigner on the loan. I am on Social Security and can't make the payments. My daughter has try to work with them to lower payments and they say she doesn't qualify. They are threatening to put a lien on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: JPMORGAN CHASE & CO.
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
On or about XX/XX/2018 a dispute was placed with the credit bureau because Chasebank claimed I was over the balance ( XXXX ) being {$44.00} over. This caused my FICO score to drop by 2 percent. I reviewed my statement to find that XXXX had charged me in error {$14.00} x3. I called XXXX and found the agent made false and misleading statements to combine a regular email to my student email account which, XXXX fixed and credited to Chase but, was unable to credit my FICO score advising to speak with Chase to make correction. I called Chase they advised unable to correct issue but they did not know how to do this. I also found fraud charges XXXX XXXX for {$90.00}, {$36.00}, {$38.00}, {$15.00}, {$60.00}. I was advised on the reporting date that I would take 7 to 10 days from the date of XX/XX/2018 for the provisional credit to post to my account. However, the credit posted on XX/XX/2018 for {$240.00} -The balance reflected the available amount of {$240.00}. I made purchase from the date of XXXX to XX/XX/XXXX of total of {$300.00}. I made a payment on XXXX and XX/XX/XXXX each for {$100.00} ( equal to {$200.00} ). This would have give me a total credit for XXXX XXXX ( + {$46.00} ),  XXXX ( + {$240.00}. ) My payment ( + {$200.00} ) = $ XXXX {$300.00} leaving a closing balance of {$180.00}. However, XXXX send the payment back to Chase which, Chasebank adjust all the provisional credit of {$240.00} instead of OFFSETTING the amount of {$240.00} XXXX sent to Chasebank the Fraud department called on XX/XX/2018 stating they were going to take the amount back. Now, Chase is showing that I am over $ XXXX.I spoke to XXXX-Manager- she validated the error but, refused to correct the fraud departments adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: IL
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
When I upgraded my credit card on XXXX, I was told that till XX/XX/XXXX the annul fee of {$95.00} will start to kick in. So I downgraded this card in XX/XX/XXXX. 

Yet, American Express not only charged me {$95.00} but also charged me a fee of {$53.00} on XXXX, XXXX. When I was trying to solve the problem with {$95.00} fee charged supposedly on my new non-annual-fee card, I found this hidden charge. 

I talked to their online representative and learned that because the free one-year period was over, so they started to charge. I said I didn't receive any reminder of that, not in your promotional materials, not in the email before you were going to charge me on XXXX, XXXX. This is fraudulent and misleading promotion. Hope more American Express users pay attention to issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attempted to clarify my mortgage payments with Carrington for a few months now, and I requested assistance from CFPB XX/XX/XXXX, Carrington answered my complaint XX/XX/XXXX. Unfortunately Carrington 's response, while dilligent, was not adequate. In Carrington ; s response their dates of receipt show my transferred.

I understand that perhaps Carrington hadn't set my account up in XXXX and perhaps that's why the payment received XX/XX/XXXX was not applied until XX/XX/XXXX, but that delay made the account seem 90 days late when in fact is was 30 days late. By Carrington 's records they would have shown it 60 days late because of a missed payment to XXXX. I have already attempted to address this missed payment several times with XXXX and recently filed another complaint with CFPB requesting XXXX amend their reporting and sent the amended reporting to Carrington. 
In ay of XXXX, Carrington began returning my payments. I have saved these payments in an attempt to become current with Carrington and have these payments ready to forward to Carrington. The challenge is that the numbers that Carrington is representing that I owe them is more than conusing. On XX/XX/XXXX, I spoke to representatives at Carrington and I was given three different amounts to bring my account current. The last statement that I received from Carrington shows a amount due of XXXX, but o the back Carrington details the missing payments which add up to XXXX. If I add the XXXX payment due the total is XXXX or almost 2000 difference. 
On XX/XX/XXXX, I was informed that Carrington sent my loan to foreclosure adding attorney 's fee 's and inspection fee 's which as per their statement total XXXX, still less that the amount on their statement. 
My goal is to bring my loan current and I am requesting assistance to do just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
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 one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2023-06-24
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1

5 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 explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to get credit score or any information from Experian and XXXX XXXX. Ive tried to contact Experian and XXXX XXXX several times on the phone. Could never reach a customer service representative with Experian due to automated system so I then emailed them on XX/XX/XXXX. Received an email that did not help at all. Repeatedly emailed them asking for help explaining that I was locked out of account for some reason and received the same automated email over and over. When contacting XXXX XXXX through XXXX XXXX, was told that my social security was wrong when I first opened my account which was XX/XX/XXXX. Was told it was going to be fixed and I should be able to access in a week. And on this day XX/XX/XXXX I am still unable to access it. It says it is unable to recognize my information. Called again several times and was told everything looks fine on their end and kept getting transferred to different departments. The last time I tried to contact them to resolve this issue XX/XX/XXXX and I kept getting transferred to different departments as well.

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 2022-09-06
Company: JPMORGAN CHASE & CO.
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge JPMCB CARD XXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with non-monetary relief