BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a Reliacard by US Bank from Colorado XXXX. I had my Vehicle broken into and They stole my phone and Luggage that caused Identity theft that i was unaware of until they had Spent over {$5000.00} on my Card thru XXXX. I immediatly notified ReliaCard customer service when i noticed funds missing. I ffaxed the paperwork to them XX/XX/XXXX as the rep told me to for the complaint. I gave them 2 weeks they asked for and never heard a Word so i call back XX/XX/XXXX and tell them unacceptable. They tell me looks like never recieved docs they needed w2-DL-mail. So i faxed them. I recieved provisional credit onto card and thought ok were getting somewhere ... NOPE my account is locked. I have now called daily and most recent weeks stats I put in over 42 hours on the phone including hold time. They say they cant release account only level XXXX can but noone will get me to level XXXX fraud or tell me how to reach them. They have become rude and still 2.5 months later I have no access. This has caused me to sleep on the streets. not eat and noone cares. I have uploaded every document to reliacard thru website multiple times XXXX XXXXhave faxed and emailed XXXX I am told this is escalated but nothing.. The call center sucks AND us bank should not put their name on a card if they cant help because i have made several visits to the loc al branch only to be told they are only the PLASTIC behind the card ... I CANT DO IT ANYMORE.. THEY GPOTTA BE STOPPED

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 2018-07-27
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018, 18 fraudulent transactions were debited from our PNC checking account totaling almost {$1800.00}. I promptly disputed the transactions, opened a new account as per their advice so that we dont touch or use the account while the bank conducted their investigation. Our account had a positive balance of {$150.00} before the occurrence of the fraudulent transactions. 

I visited the PNC branch on XXXX and XXXX in XXXX to get updates re : this account. Several times I visited with XXXX XXXX, branch service associate, who was helpful in trying to understand what was happening. He had contacted customer service/escalation dept. to get information so I can recoup our {$150.00}. 

I did some phone calls myself and was completely surprised on one of those calls to learn from customer service/ escalation dept that they can not help me anymore because the account was closed and was charged off/sent to collections because of a negative balance of {$570.00}. There were several shockers in this : the account having a negative balance ; the account being sent to collections without any effort to contact us ; and me learning about all these only after calling to follow up on the investigation. 

After several more visits with Mr. XXXX, the bank was proud to be able to reverse/refund some fees/transactions ( that should have happened anyway relating to disputed fraudulent transactions ). They sent us a check in the amount of {$37.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: EQUIFAX, 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:
THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
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:
THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT REPORT

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: STERLING JEWELERS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XX/XX/2018, I paid off my XXXX XXXX XXXX in full. They reported me late 90 days, never sent me a bill in the mail notifying me of any balance due. 
They tacked on a late fee, and then 2 more late fees, for no apparent reason and then reported me late past 90 days. 
I called the company and spoke to XXXX, and she said they were going to have it corrected. But I haven't seen anything being done. Still showing on my 3 credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive frequent calls to my recently established phone ( i.e. it is a new phone number for me ) from TSI/Transworld Systems Inc. ( www.tsico.com ). The calls are an " attempt to collect a debt '' and I have verified that I do not have the debt they are trying to collect, and I have previously requested to have TSI correct their records and remove my phone number ( XXXX ) to stop the unwanted/erroneous robo calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX there was a robbery and my car was stolen. I have Gap insurance. At the time my car was payment was paid 3 weeks in advance. When my car was found it was totaled. XXXX inspected it XX/XX/XXXX and deemed it a total loss. I sent all the documents in and XXXX cut Bridgecrest a check. Bridgecrest informed me that GAP would kick in once they received the payment from XXXX. The check just reflected on my Bridgecrest account history this week. I am getting messages about payment. I called Bridgecrest to see what was the hold up. I was told that it would take 4-6 weeks for gap to kick in after tomorrow and that I would have to keep paying my payments until they finish the paperwork. I have another vehicle now I can not pay 2 car payments because they are trying to milk more money out of me. They also informed me that they would report to the credit bureau as not being paid. I need for them to do their job and push the gap insurance through because that is what it is for.

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 2020-05-20
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:
I looked at my credit report and I saw a lot of fraudulent accounts on my credit report. I would like to remove these as soon as possible. Thank you

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 2020-09-02
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A Mortgage held with Mr. Cooper includes escrow for property taxes and homeowner 's insurance. A check for {$3000.00} was sent on XX/XX/XXXX by Mr. Cooper via their tax service, XXXX, to XXXX XXXX XXXX to pay taxes. I followed up to make sure the payment was received. XXXX XXXX XXXX informed me on XX/XX/XXXX that they did not receive this payment. I called Mr. Cooper XX/XX/XXXX @ XXXXXXXX XXXX   and spoke to XXXX Emp. ID # XXXX ( number given to me upon request ) who informed me that she would check with the escrow dept. and I should call back in24 hours for an update. I called Mr. Coopper back XX/XX/XXXX @ XXXX XXXX  and spoke to XXXX Emp. ID # XXXX ( number given to me upon request ). XXXX informed me that Mr. Cooper has requested a copy of the cleared check from XXXX and I should call back in 3 business days. I called back XX/XX/XXXX @ XXXX XXXX and spoke to XXXX XXXX, who when asked for an employee ID #, told me that she didn't have one. She told me that the request would take 7-10 days. I explained that was unacceptable and asked to speak to someone that could escalate this request. After a lengthy hold and 3 attempts to get me off the line, I was finally greeted by XXXX XXXX in the Escalation Dept. XXXX told me she would escalate this request and would have an answer for me in 2 days at the maximum. She left me her direct # of ( XXXX XXXX XXXX. Two days later I received a message on my voice mail from XXXX in the escalation dept. she stated that XXXX XXXX did receive a payment for the taxes and that the issue was resolved. I then returned her call and told her the payment that was received by XXXX XXXX XXXX was the payment the title company sent, not the check Mr. Cooper sent, and asked her to continue the investigation and we would still need proof of payment. I called back and left messages every day for 3 days with no reply from XXXX. On XX/XX/XXXX I left her a message that if I didn't receive a reply then I would be filing a complaint with the CFPB. I still have yet to hear from XXXX. 

The reason this is so urgent is that the consumer is waiting on these funds to be applied so that we can refund the funds held in escrow to pay the taxes. The amount is {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint mortgage sent me a notice indicating that my escrow account was going to have a shortfall so in XX/XX/XXXX they increased my escrow payment by over {$200.00} dollars per month. By XX/XX/XXXX I was already struggling to make that increased payment so I signed onto my online account and noticed that what they had indicated on the escrow increase was not true. Instead of a escrow shortfall I actually had a surplus. I wrote to them at that time that I wanted a new escrow analysis done since my escrow account was too high. They did not respond to my written request so I called in XX/XX/XXXX to explain the situation. They agreed to do the new analysis, but when it was completed my escrow payment only went down by approximately {$50.00} dollars, and they sent me a bill for an escrow shortfall. I did not pay the bill. However, in that time, I have been late on my payments while my escrow has continued to increase to the current balance of {$6500.00} ( XX/XX/XXXX ) and my XX/XX/XXXX taxes and insurance has been paid. I just called Roundpoint again to tell them that the analysis was wrong. The service representative told me that they would complete a research which will take until XX/XX/XXXX, and then if they find an issue they will do a new analysis within 10 days. At their timeline, the issue wo n't even be addressed, if at all, for another month. Having made my initial request in XX/XX/XXXX, I believe that they have adversely affected my credit standing, created financial hardship for myself and my family, and have exceeded the amount that they are legally able to collect in my escrow 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 2020-10-23
Company: TD BANK US HOLDING COMPANY
State: MA
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 do not know why this account is reported here. There are too much missing information that makes this account point to nobody. I want this removed from my report asap. This is an easy task because when you look at my report you can see how this account is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Ever since I opened my Edd acct the Edd has deposited over XXXX. On my acct but Bank of America is not giving me my money they keep filling claims that its been over 8 months and I have not been payed on them! Also my recent deposits are now been deducted even when my card has been canceled and Im waiting to receive it yet transactions are still taking place

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 2018-09-29
Company: EQUIFAX, INC.
State: KS
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:
In 2015 I entered into an agreement with XXXX XXXX XXXX. 

They took over payments for my accounts, one being my XXXX card, by XXXX - XXXX XXXX XXXX XXXX. 

Upon XXXX taking over payments, the account was current, never in collections or anything of that sort. 

XXXX did not provide any concessions such as reduced APR, reduced payments, etc. Simply XXXX took over my payment, on my behalf. 

The account was paid in full and on time. 

Once XXXX paid off the account, 6 months later, XXXX put a narrative on my equifax credit report titled " Paid by Financial Management Program '' " Paid Collections '' The " Paid Collections '' should not be there as I was never notified, nor was XXXX  that the account was or would be placed into a " collections '' status. Not to mention, I still received regular statements from XXXX reflecting a current account with payments. 

The portion that states " Paid by financial program '' is accurate, however, the latter is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
Trans union and XXXX  are fraudulent on my accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # 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 2020-05-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
information repotting on my XXXX  0n XX/XX/20 from navy says I have 39 serious delinquency. this is absolutely incorrect. I have never been delinquent on my accounts. and if it shows delinquent it was cuse of Identity thef not any doing by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The Company causing me stress is Trans Union. They keep reporting misleading and inaccurate information on my credit report. I noticed that the " date opened '', " payment status '' and " date of last activity '' where all different and wrong. I contacted TransUnion as well as the credit furnishing company for a consumer credit application which was signed by me and they could not produce one. I kept disputing all the debt and they continue to report all of the misleading information even though I had disputed it multiple times.

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 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Capitol One charged me for a purchase on a Walmart card that neither me or Walmart has a record of. While trying to figure out said charge they continually hung up on me, they constantly disrespected me and treated me as trash. They are no longer a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Purchased airfare thru XXXX on XXXX XXXX, XXXX. Tried to cancel tickets XXXX XXXX, but was told I had to pay {$1900.00} upfront to cancel. Capital One ( Credit Card ) told me not to pay, they would dispute amount. Have been disputing since then, and have been rebilled the original amount plus {$600.00}. During this dispute process, Capital one has reported me as late on my credit reports, has frozen my account and told me to seek legal council. They can no longer help me unless I pay them what is owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: IN
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:
the US Justice Department won a {$95.00} settlement against XXXX XXXX parent company XXXX XXXX XXXX XXXX. 

The source of this lawsuit and lawsuit settlement was rooted in XXXX committing several counts of fraudulent behavior, specifically tied to the way that they advertised their XXXX XXXX XXXX. 

In fact, its basically a false advertising case, where the school made false promises or false claims, in order to lure students into taking out loans to attend their higher education programs on the belief that they were more valuable than they truly were. 

In the lawsuit, XXXX was accused of using deceptive, high-pressure recruiting tactics to generate more enrollments, and as as result of the settlement, each one of XXXX  schools was appointed an independent administrator to monitor recruiting and enrollment practices, ensuring that the illegal marketing activities would end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
My Chapter XXXX bankruptcy was discharged thisXX/XX/2020. After reviewing my credit report I see that my existing mortgage with XXXX XXXX XXXX  is no longer reporting on my credit report. This loan was NOT included in the bankruptcy and is in good standing with all payments being made on time. 

After multiple conversations with my local branch as well as the mortgage branch I have been told they no longer report once they have been notified that a bankruptcy was filed, even though this loan was not included. Now that it has been discharged, my expectation is that this loan now reports past as well as future payments so that future creditors can see that I DO have current credit. 

Without my mortgage reporting I am unable to get further credit in order to establish a positive credit score.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I received my credit report XX/XX/XXXX and found that someone obtained credit in my name XX/XX/XXXX and applied for numerous amounts of credit so I contacted XXXX and Trans Union and XXXX about several incorrect addresses and unauthorized inquires on my credit report. The last letter sent was XX/XX/XXXX. I want the unauthorized inquires deleted and fraudulent addresses deleted.

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 2019-10-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported lost debit card onXX/XX/XXXXdiscovering multiple atm unauthorized withdraws. My bank has still not refunded me. Wells Fargo bank has charged me more additional overdraft fees on both my accounts due to these transactions. I am not able to get any help.

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 2017-12-10
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
I have a late pay on XXXX 2017 I have sent them a letter explaining why the bill was paid late Still waiting to here back from them

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