BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
Company: U.S. BANCORP
State: CA
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:
Ive had a credit card with XXXX XXXX  XXXX XXXX  for about seven years. I make my payments on line. The due date is XXXX of the month. In XX/XX/XXXX I submitted a {$100.00} payment to be taken out of my bank on XXXX XXXX. They gave me conformation number XXXX acknowledging receipt. A few days after the XXXX I checked to make sure payment posted only to find it was still in my bank account. I called XXXX XXXX  XXXX to check why and was switched over to XXXX  XXXX  XXXX. The woman I spoke with informed me that the two companies were in a transition period and my payment would be taken out soon without late fees. I waited 4 or 5 days and called again because it was still in the bank. I was told the same. On XXXX XX/XX/XXXX, I called and asked the women if she would just take the payment over the phone she agreed. I told her just to take that {$100.00} and I also scheduled another payment for XXXX, paying a total of {$200.00}. In XXXX they tacked on a late fee and started calling me saying I was behind a payment. In XX/XX/XXXX, a man called and requested {$120.00}, which I sent. They told me I had {$180.00} in credit. I used {$86.00} for my dentist and a XXXX XXXX  XXXX payment. Now Ive received XXXX calls since Sunday telling me Im {$250.00} behind. Still because they wont credit me with my XXXX payment and back out all of the late fees. I asked the women why did you credit me with {$180.00} of credit and tell me Im {$250.00} behind. No answer. The woman I spoke with yesterday also told me they were a collection agency. I dont understand why the account went to collections in XXXX I was not behind on anything. I wrote a letter to XXXX XXXX   XXXX explaining my problem two months ago, got no reply. I cant get a phone number for the bank I keep getting XXXX, whose number is XXXX XXXX. I spoke with a XXXX she helped but its right back. Frustrated in XXXX and sick of these phone calls. Card number for account XXXX, valid 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 monetary relief
Consumer complaint received 2018-01-30
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX On XX/XX/XXXX I spoke with company on XX/XX/XXXX the company verified they received returned mail saying the mail was un deliverable. I never received any documentation regarding this account and I have disputed with company. The are reporting information that is incorrect. I would like account removed from my credit report. I never received any right to dispute account from this company. XXXX XXXX at XXXX XXXX XXXX. spoke with her on XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2019-01-17
Company: Franklin Credit Management Corporation
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1. Purchased home on XX/XX/XXXX. 1st Mortgage ( $ XXXX ) with XXXX XXXX XXXX XXXX, 2nd Mortgage ( $ XXXX ) with XXXX XXXX XXXX XXXX. Purchase price for home was $ XXXX 2.  XX/XX/XXXX 1st mortgage was sold and 2nd mortgage was sold to XXXX XXXX  XXXX. 

3. In XX/XX/XXXX both loans were sold again, the 2nd mortgage was sold to a " XXXX XXXX  ''. I contacted XXXX as I was no longer getting the bill 's and they responded by saying they hadn't received all the information on the loan, and quickly it transferred another bank and then again another bank and I was unsure who I needed to pay. 

4. In XX/XX/XXXX we had an opportunity with XXXX XXXX XXXX to refinance into a modification and we were told that the new loan would be $ XXXX, we thought this as including the 2nd mortgage. 

5. From XX/XX/XXXX to XX/XX/XXXX we made our payments ontime thinking we were paying for both mortgages, but in XX/XX/XXXX we received a forclosure packet from Franklin Credit Management Corporation. We throught from XX/XX/XXXX to XX/XX/XXXX we were making our payments, we weren't receiving any correspondence regarding a 2nd mortgage and our credit report no longer showed the 2nd mortgage or any late payments so we were extremely confused as to why we would be served forclosure papers. I have attached the notice of default we received from Franklin Credit stating we needed to pay {$39000.00} to cure default. 

6. From XX/XX/XXXX until XX/XX/XXXX I was trying to figure out what was going on with regards to the 2nd mortgage as I thought it was paid, and because they were going to foreclose I had to start making payments on XX/XX/XXXX of {$1700.00} per month up until current. Please see attached payment history. 

7. XX/XX/XXXX we decided to list our house on the market and asked for a pay off from both mortgage companies and the 2nd mortgage sent us a payoff of {$80000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
They inappropriately put a remark on my credit score during the pandemic. I tried to call and spoke to multiple people and a supervisor and they offered no resolution. They would not even put an inquiry to check to see if there was anything that could be done ( regarding the credit remark ). The supervisor blamed it on the government and said everything was black and white. They are not being held responsible for their actions and reports. Someone needs to know about this. The employees over the phone were very rude 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 explanation
Consumer complaint received 2020-10-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through Chase. On XX/XX/XXXX I logged into my Chase online account. I was intending to pay my XXXX mortgage. It was at this time that I realized I had not paid my XXXX or XXXX mortgage. It is a very small mortgage on a piece of vacation property that we own and somehow it slipped my mind in the chaos of the pandemic. However, my complaint is that Chase never contacted me to notify me that my account was delinquent, either by email, regular mail or telephone. 

I paid the full amount past due and contacted Chase. They told me that they had tried to call but did not leave a message because they are not allowed to under the Telephone Consumer Protection Act. I explained that I can not answer numbers I do not know, but I return phone messages. Chase said they will not leave a message because of this law. They said that I had elected paperless statements in XXXX. Chase said that my statement should have alerted me. However, I have never received an email with a paperless statement. In any case, with the election of paperless statements, I was supposed to still receive tax statements and notices and letters in paper in the mail. I receive tax statements in hard copy paper format. However, I have never received a notice except for advertisements. 

I asked the representative if Chase sent me a notice/letter of delinquency. Chase did not send me a single notice of delinquency. The representative said they sent me a letter notifying me of pandemic assistance. However, this notice did not advise me that I was delinquent. It appeared to be an advertisement from Chase at the time for a pandemic program because it was not specific to my account. The representative of Chase said they would have notified me via mail when they foreclosed on the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/18 at about XXXX. I attempted to send {$130.00} from my Navy Federal Credit Union checking account to an individual located in the XXXX XXXX electronically. 

After verifying my identity to two different individuals, bank personnel in the wire transfer department started asking me a bunch of personal questions about what the money was for and how I had met the person. While I realize there are a bunch of online schemes out there ( romance, get rich quick ) and could understand a bank employee being required to inform me about them, to mandating that I disclose personal details about my relationship with anyone is a violation of my privacy and an overreach of their authority. 

After reluctantly answering her questions. She requested to send me a confirmation code via phone. I requested this to be done by email, just like I have done ever since two party verification was mandated by the bank. I was informed that it had to be done via phone for some undisclosed reason. Again if I can use this method for my everyday banking needs and to send unlimited moneys from my account to anyone I want, why is it that I have to do anything via phone for a wire transfer. After reluctantly providing this information to the banker and verifying the code I was then informed that she could not perform the transfer for me and that I had to follow the very same procedure that doing this phone verification procedure was supposed to avoid. She stated I had to file a written request first electronically and the someone would contact me about it via phone. 

As I'm sure that your agency is aware of, telemarketing and phone scams are the number one threat to consumer privacy and financial security in this country. Myself and many like me combat this by not giving anyone, anymore information than they need to accomplish their job. This would also include phone numbers. Every company out there will tell you they don't sell phone numbers and they won't market to you. Then they call you under the vise of some other XXXX or give it to one of the dozens of their affiliates so they can can hound you. The simple fact of the matter is the more people/companies you give your phone number to the more scammers and marketers will call you and the more likely your are to become a victim of fraud or ID theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
VENMO TOTAL SCAM- I signed up for this service recommended 2 me by a friend so they could send me their rent $ instantly & no check involved for me to WAIT ON TO CLEAR.. i entered my 2 cking acct, 2 debit cards XXXX  - only to find out dont use XXXX? So I went bank in and put my XXXX XXXX acct info ... Week 1- unable to use the instant transfer feature NO REAL REASON GIVEN, told to call in on MON. as they don't have access to tell me why? UM OK,,, MON I CALLED TO BE TRANSF hung up on called back held etc etc etc. NO ONE EVER SPOKE TO ME OTHER THAN TO GIVE THE SAME SCRIPTED ANSWER- We do not have access to that info, FURIOUS WIITH NO $ still I got no-where. CHAT FEATURE USELESS- PHONE SUPPORT= USELESS. VERY VERY- suspicious .... GOT THE DEBIT CARD IN THE MAIL WAS ABLE TO USE it at ATM FOR A FEEEEEEEE {$3.00} atm and also made some purchases thank XXXX - or so I thought ... Week 2- ISSUE NEVER RESOLVED. JUST BACK AND FORTH XXXX SCAM SCAM SCAM. WEEK 3 GOT FUNDS TODAY again SAT early am FOR RENT THAT WAS overdue as of FRI BY ROOMATE. HERE we go again STILL NO INSTANT TRANSF allowed ( TOLD THIS TIME ACCOUNT FLAGGED SECURITY RISK )??? WT? again the back n forth and NO RESOLVE. ( BTW I'm a XXXX/homeowner/SE XXXX buss. owner since XX/XX/2002 & same job for last 7 years XXXX. Yeah I'm a REAL BIG security risk ) Anyway I thought hey I can just use the debit card like last week ..UM HECK NO!!! THAT CARD DONT WORK NOW!!!! WOW! CANT MAKE PURCHASES, CANT TAKE $ FROM ATM???. NOW DEBIT CARD DOESNT WORK EITHER! NO CUSTOMER SUPPORT AVAIILABLE VIA PHONE.. RED FLAG FOR ME*** ( ALERT ALERT ) & customer service via CHAT just tells me they don't have access to info and ( THEIR GO TO ANSWER- Sometime its a security risk flag- ( OR XXXX PROFILING I THINK ) and BOTTOM LINE NO access to your funds! FOR DAYS AND DAYS. THE CO. IS A SECURITY RISK- USING YOUR FUNDS- floating my $ using them for something else? YES YOU ARE. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
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: Old information reappears or never goes away

Complaint:
Hello I have old information XXXX XXXX XXXX, XXXX XXXX and 2 collections from XXXX XXXX XXXX and XXXX XXXX XXXX I never had these accounts ant XXXX XXXX I never heard of Im a XXXX XXXX XXXX. Im so busy busy and I cant keep account of my life. Please help me remove this old information and these negative accounts thats not mines XXXX XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Real Estate Paid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2022-10-10
Company: EQUIFAX, INC.
State: MI
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 several 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 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 2020-12-18
Company: Experian Information Solutions Inc.
State: KY
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:
This company has cashed a check in regards to this alleged debt owed, and now refused to adhere to the terms that the check was provided under. The check # XXXX, dated XXXX states Acct # XXXX Negotiation of tender settles and deletes debt from credit bureaus. However, this company has cashed the check, and now fraudulently refuse to adhere to the provided terms. The account balance has been updated and they now refuse to delete the account from the bureaus, as agreed upon once the check was cashed snd funds transferred from my account to their company. Due to Covid, this was my only offer, and they accepted now to renege on terms agreed upon.

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 2019-05-16
Company: U.S. BANCORP
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The problem is excessive phone calls from a debt collector. 

XX/XX/XXXX I was contacted by XXXX XXXX, XXXX concerning an outstanding loan from XXXX. The loan balance now is {$1500.00}. I started making payments of {$30.00} a month XX/XX/XXXX. I was in formed by XXXX that if my payments were not secure tbey have the right to call me either everyday or every month. I declined the offer. 

Each month I was asked for permission to access my account and I would decline. In XX/XX/XXXX I made my payment and was asked again. I declined. XX/XX/XXXX i started receiving calls from XXXX when the phone would ring 1, 2, 3 times and the party would hang up. Below is the list of dates and times of calls : XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XXXX. XXXX, XXXX pm XXXX. XXXX XXXX pm XX/XX/XXXX, XXXX pm XXXX. XXXX, XXXX XXXX pm On XX/XX/XXXX, i called XXXX about the calls and a male introduced himself as a manager. I told him the problem and he repeated that they have the right to call me because my loan is not secure. I then asked if it was part if their policy to let the phone ring and hangup. I then hung up. 

I understand their having the right to call but it is harassing to call the way they are calling.

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 2018-01-30
Company: CITIBANK, N.A.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XX/XX/XXXX is the last reported on this account on my credit report. 

This is misleading the account was closed years ago PAID IN FULL. 

XX/XX/XXXX I was informed my account was closed and no longer available. There had been no activity on my account for several years they closed it. 

Why is it still being reported on my credit report after years. I don't owe them anything ...?

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