BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I was charged a {$25.00} fee. Logging onto the customer account portal did not indicate the type of fee. 
I called customer service in XXXX and was informed it was for a expeditated payoff fee. I never ordered such a fee or was contacted to approval any fee. Customer service apologized and I was told the fee would be removed. 
XX/XX/XXXX, the fee was still on my account. I contacted customer service again thru a chat session ( XXXX I.D . number is XXXX ). This chat session is available. This time I was told they could not removed the fee. I asked for any proof that I approved any authorization resulting in the fee and they could not. I was told they would submit for investigation and would be notified with a week. 
XX/XX/XXXX, still no communication concerning the status of the fee. Another call with Mr. Cooper. This call I was told it would not be removed. I asked again for any proof or authorization by me approving this fee and again they can not provide any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with US Bank. I am now receiving suspicious emails ( three so far ) asking me to go to link regarding my mortgage application. But I do not have an open application. I have called the bank several times and forwarded the suspicious email to their fraud address. Someone appears to be using my information to get a loan or something. One bank rep said I shouldn't be concerned, with no explanation. And that's the only response I've gotten. They are ignoring this. And someone may be in the process of using my personal information and ruining my credit.

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 2018-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I deposited a {$20000.00} cashiers check into my Bank of America Business Checking Account. 

I was told by customer service over the phone the funds would not be available until Wednesday XX/XX/XXXX, due to the XXXX holiday. 

When I made the deposit a hold was placed until XX/XX/2019. I immediately called back and was told that date was selected because I deposited via an ATM but the check would be verified on Monday and Released on Wednesday. 

I called on Monday to verify this information and was told the cashiers check could not be authenticated and the hold would remain until the cashiers check could be verified. 

I called again on Wednesday when the funds not the release date were updated and was told that the hold would not be lifted at all but transactions will be honored after the XXXX. I called chase ( the issuing bank ) and was On Thursday my regularly scheduled payments were returned NSF and fees were assessed. I called XXXX to verify process of the cashiers check and was told that it was paid on Monday, XX/XX/XXXX. 

When I called BOA they told me the funds are not verifiable and the Cashiers Check indicates items might be returned. XXXX has verified the check and paid it. 

Which I explained. The call was then upgraded to Supervisor by the same os XXXX who stayed that the funds will not be released before XX/XX/2019 based on the fact that My Account was overdrafted and they were not going to get a verification they were going to wait for the actual funds to arrive. She also stated it can take 7-10 business days for the Federal Reserve to release funds Ive {$10000.00} so the release date might get pushed out again. 

To punish a business for being overdrafted ( especially when overdraft is less than {$500.00} ) and withhold funds seems excessive and illegal.

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 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX  needs to verify how they did a complete and accurate investigation to the credit reporting agencies under section 623 A. If you use the EROscar system you did not properly do a complete and accurate investigation and the reporting of the account needs to be removed promptly. Continuing use of the E-Oscar system as a form of verification validates my rights and I will seek litigation

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 2020-10-11
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$200.00} I reached out to the companies. Due to these reporting Im unable to get a mortgage and Im living with my mother

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: U.S. BANCORP
State: UT
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:
US Bank needs to verify how they did a complete and accurate investigation to the credit reporting agencies under section 623 A. If you use the EROscar system you did not properly do a complete and accurate investigation and the reporting of the account needs to be removed promptly. Continuing use of the E-Oscar system as a form of verification validates my rights and I will seek litigation

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 2022-08-09
Company: EQUIFAX, 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 contacted equifax XXXX and XXXX and sent them my identity information to verify it was me and to have them remove the incorrect addresses off of my report, the incorrect names, the inquires several times and they did not. I told them I didnt authorize anyone to run my credit, and they did not ask for my permission to put these accounts and addresses and inquiries on my report. And I also told them that under 15 USC 1681a ( 3 ) they assumed this role without my permission and they did not respect my right to privacy. They never did anything to fix these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: JPMORGAN CHASE & CO.
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:
It appeared on my credit report that I have $ XXXX and I tried reporting it but its only temporarily fixed because it keeps going back and forth from $ XXXX to {$0.00} for available credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Resurgent Capital Services L.P.
State: SC
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:
Looking through my report and noticed there are some accounts that don't belong to me. This is an act of fraud and the following accounts need to be removed from my credit report. 
XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX LVNV FUNDING LLC # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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: Investigation took more than 30 days

Complaint:
I put in a dispute with Equifax on XX/XX/2020 about errors on an auto loan account through bridgecrest. It is now XXXX XXXX, 2020 and the dispute is still open and active with no response from Equifax. I had ask for this account to be removed before because it has constantly been reported with errors that Equifax have failed to fix. Now equifax have gone well beyond the 30 day mark that the Fair Credit Act requires them to abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Moiharwin Diverisfied Corporation
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$150.00} from back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a question about my credit score, and Equifax reason for my score. I spent close to twenty minutes on the phone listening to menus and answering security questions. I finally got through to a representative, and explained my concern and asked a direct question considering their reporting. The agent did not seem to understand the question, I explained it again slowly and he responded let me pull up your account to see. I was than put through to a survey and hung up on. This occurred on the XXXX of XXXX, approximately XXXX XXXX  EST. I made repeated attempts to try to get through for some assistance, but it would require me to yet again go through 20 minutes of menus and security questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Colony Brands, Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
XXXX ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY COLONY BRANDS, XXXX XXXX, XXXX, XXXX XXXX. XXXX  XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for this card in XX/XX/XXXX with the understanding that I would receive an incentive of XXXX Delta miles for spending {$3000.00} within the first 3 months. The application was accepted with no problem and I spend close to {$7000.00} within the first 3 months in order to qualify for the bonus. I called the company 4-5 times from XXXX - XXXX of XXXX to check on when the bonus would be posted and was given several different excuses -- that they were still processing the bonus, it took some time for the spending to reflect, etc. but was assured that I would receive the XXXX miles. 

The most recent time I called on XX/XX/XXXX and was informed that I " did not qualify for the bonus ''. When I asked why, American Express said that they could not tell me why and would " look into '' why I was denied. I find this extremely unethical and misleading of American Express and request that they be required to follow through on their commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: PA
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 spoke to Experian due to a 43 point drop that did not have a clear reason. I used {$1500.00} of a {$2500.00} line of credit and paid it all off in less than 30 days. My score dropped 43 points. I called and received no explanation. Their algorithm is completely wrong and it is affecting my ability to be approved for lending.

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 2020-09-23
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit union is showing a collection account reporting on my XXXX   account with sunrise collection for the amount of XXXX which is showing reported by XXXX XXXX, I called XXXX XXXX and they advise that the account I had with them was not reported to collections and the account is at a XXXX balance. I called XXXX  and as of XX/XX/2020 there is no collections showing from XXXX XXXX or Sunrise collection nor is there an amount of XXXX showing in a collection status. I need this removed from my account as I have the invoice coming in the mail from XXXX XXXX showing that there is no balance due.

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 2021-07-20
Company: ALLY FINANCIAL INC.
State: AL
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:
My account with ally was under dispute to remove some late payment from my credit report. This was closed on XX/XX/XXXX. When they closed this dispute they reported my XXXX payment was 30 days past due when it isnt in fact due until XX/XX/XXXX. I reached out to the company and they said they would put in for a correction as it was a mistake on their part. It dropped my credit score 37 points and I expressed this to them and the urgency in which I needed this fixed and how I didnt want to dispute it just correct it as it was their mistake. 16 days later and they still havent fixed it, and say they are having to verify the information. Ally can see my account and when my payments with them are due. They know its a mistake on their end and should be corrected by now. I reached out yesterday and asked for it to be corrected again as its reporting to the credit bureaus and hurting my credit and they said they will fix it as soon as they can

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 2021-03-25
Company: Experian Information Solutions Inc.
State: AL
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:
Yes I tried to write letter to Experian of the fraudulent account thats are showing on my credit report I file a ftc report of those accounts that I upload

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 2020-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card issued by Bank of America for 6+ years. I always paid on time, was never late or delinquent. Never had any problems. All of a sudden and without any prior notice the bank closed my account. They sent me a letter a week after the fact.

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 2020-09-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Wife and I completed and submitted a refinance with Navy Federal Credit Union in XXXX of 2020. We have completed all of the paper and submitted the paper work via Navy 's online process. All we have gotten back from Navy is phone calls asking us if we still want to process with the refinance and each time we say yes. We are now in the 7th month and no closing date. I have reach out to Navy many times for an update and no response. There is something here seriously wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sunrise Credit Service continues to call me numerous times a day after I've repeatedly told them not to. I've also tried to block their number, but they keep calling from different numbers that I can not keep up with in blocking 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
Consumer complaint received 2020-09-23
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is showing a 30-day late payment for the month of XXXX. That information is incorrect. I was on a COVID relief program and began making my payments as soon as that program ended. This information is false. My account is current with NO late payments.

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 2018-06-12
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wages were garnished without proper notification. My wages are being garnished from a debt incurred in 2000 based on court documents. I did not have the opportunity to dispute, review, or offers to settle. This debt is not on my credit report, I have no information on the debt. I am able to access my credit report and debts incurred and have no dispute against my obligations, however ; I do not have any information regarding this debt. 
Legal Firm responsible for garnishment : Marvin SC Dang LLC XXXX Hawaii

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I set my house payment on a automatic payment plan with my bank. 
they send me a letter saying I was cleared to have that loan payment to the mortgage company withdrawal. 
I when on vacation and was force to stay due to Coron viruses and did not have information autocratic withdraw. My bank said it was the mortgage fault. The mortgage said it was the banks fault. I know and have the letter the bank sent me on the withdraw so I believe it is the banks fault for not honoring the letter. 
The mortgage company place a thirty day late payment on my report and now my score dropped.

Company response to consumer: Closed with explanation