BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: OCEANSIDE MORTGAGE COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we internally refinanced with Oceanside Mortgage Company on XX/XX/XXXX. XXXX XXXX told us that the check we wrote for {$770.00} on the closing date would be for our XX/XX/XXXX mortgage payment. On XX/XX/XXXX I received a mitigation email saying that we had missed our XX/XX/XXXX mortgage payment. After calling XXXX back they said that it would be taken care of and they would apply the funds to our mortgage payment. That was not completed. Today I have spoken to XXXX in customer service, XXXX XXXX, and a man by XXXX XXXX. XXXX and XXXX XXXX could not figure out what happened or where our money went. XXXX XXXX told us that our escrow account was short, and that they had take n the check we wrote for {$770.00} to our escrow account and that we 'should have known ' that were going to owe for XX/XX/XXXX, when XXXX XXXX told us that was what we were paying at closing. They have now said that they will " try '' to remove any bad marks from our credit report. and " try '' to remove any late fees. They were not helpful, and basically told me I needed to Pay XX/XX/XXXX, and did not take any repsonsibility for what their loan officer, XXXX XXXX, told us. I feel taken advantage of, like I was liked to just so he could close a deal. I have spent over an hour and 15 minutes on the phone with this company today, and was transferred 3x.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Experian Information Solutions Inc.
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:
Hi XXXX  CARD and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2019-04-30
Company: Experian Information Solutions Inc.
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 is reporting a debt on my credit report that they do not have collection authority for. This debt collector represents an inactive debt and is a duplicate reporting. This debt is currently being pursued by another debt collector, effective XX/XX/19. Per the FCRA, a collection agency must validate the debt by proving it is an active debt within 30 days. I have made several attempts to have the credit reporting bureau remove this the debt but they have not complied.

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed several items on my credit that I didn't recognize nor did I apply for. I need these items to be removed from credit immediately. They are messing up my credit and my life.

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 2020-08-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a disputes with Equifax on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX regarding discrepancies and inaccuracies on my Equifax credit report. I am showing an unauthorized inquiry from XXXX XXXX from XXXX of XXXX that I did not request or approve of. I have previously registered this issue with the Consumer Financial Protection Bureau. Im also showing a Closed Account from XXXX that should not be on my credit either. After 20 days of not being able to verify ownership with this group, they simply update the information of the entry notifying my dispute of the account and the information.These items need to be removed from my credit report. It is potentially affecting my chances with employers. Im not confident in the Equifaxs process of reviewing the factuality of these credit report entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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: Personal information incorrect

Complaint:
I HAVE ASKED XXXX TO SHOW ME PROOF THAT I HAVE A BANKRUPTCY OR REMOVE IT FROM MY REPORT. THEY ALSO HAVE INCORRECT AND INACCURATE INFORMATION. FURTHERMORE I DEMAND THEY REMOVE ALL THE INFORMATION IMMEDIATELY OR I WILLL FILE A GRIVANCE WITH THE COURT, INCLUDING DEFAMATION DAMAGES.

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 2018-05-07
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had account fraud, was unaware for months and when the bank called me 8 months later to tell me about XXXX was gone and more transactions were pending. They then tell me they only go back 60 days. XXXX XXXX XXXX is a member of the fdic and they insure for more than what was stolen. They have a fraud department and they said they are under manned, so its not their problem.

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 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX  re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.

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 2019-04-30
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
Multiple large transactions ranging from XX/XX/XXXX - XX/XX/XXXX. Total amount of unauthorized transactions : {$12000.00} Filed fraud claim with Chase Bank as soon as I noticed these charges. 

Chase credited my account as they investigated for almost 3 months, then ( according to my bank statement ) on XX/XX/XXXX decided that I am responsible for these charges, and sent me a letter notifying me that these unauthorized transactions were authorized???? 

On XX/XX/XXXX, finally getting the chance to call chase about my claim denial and asking them to reopen my case, I asked the Chase associate what documents I need to provide for my claim, and they said to file a police report and reach out to the merchant. 

After doing so, with no help from the charging merchant who says theyre a third party merchant and can not reveal who the actual merchant is or what products or services were purchased, I filed a police report with my local police and submitted the summary report I received to Chase. 

Eventually Chase sent me a letter saying they believe the charges are valid and will reissue the charges to my account, and if I had any questions, I could call the number listed to the Senior Fraud Analyst. 

After calling the number, the associate said because the company had all my information, it is difficult for me to prove I did not make these charges and that there is basically nothing I can do. 

They did not provide me with what products or services were purchased/provided, nor could they tell me anything about the charging merchant. 

I am now stuck with over {$12000.00} of extra credit card debt that I did not make with no help from my bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Bread Financial Holdings, Inc.
State: IN
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:
Paid my statement in full {$250.00} by the due date of XX/XX/XXXX. This was scheduled online bill pay with my bank. They mailed it in enough time. XXXX posted the payment a day late and charged me interest and late fee. 

I emailed my bank thinking it was their fault and to have them resolve it with XXXX. 

However, when I emailed XXXX I came across the email they sent me that they DID receive the payment by XX/XX/XXXX. They didn't post it until XX/XX/XXXX however and charged me interest and fees. 

While trying to resolve this, another statement went out charging another late fee and interest. 

I sent the email attached proving I should have NEVER been assessed late fees or interest since I did pay by the due date but they only agreed to waive one of the late fees since I didn't pay the late fee that shouldn't have been assessed by the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-27
Company: CITIBANK, N.A.
State: SC
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:
We have a Citi Visa credit card branded with Best Buy. The statement cut on XX/XX/XXXXwith a balance of {$6400.00}, due XX/XX/XXXX. We signed up through Citi bank 's website to make ACH payments by direct debit of an account at our primary bank. 

On Sunday, XX/XX/XXXX, we submitted payment of the full balance of {$6400.00}. Monday, XX/XX/XXXX that amount was debited from our account. 

As of Wednesday XX/XX/XXXX Citi showed that the payment had been made, but had not added the funds back to our available credit. I call and spoke with a representative who said it normally takes two business days to post payments. This does match Citi 's Terms & Conditions. 

As of Thursday XX/XX/XXXX it was still not available. I called again and now the rep said because it was a large payment it had a float hold of 7 days instead of 2. A 7 day float hold for an ACH payment they received on XX/XX/XXXX? Because Thursday was XXXX the call could not be escalated to a supervisor. 

As of Monday XX/XX/XXXX, seven days after Citi received payment by electronic transfer, the payment was still not in the available balance. I called again, escalated to a U.S. supervisor, who transferred me to a credit specialist, who spent 5 minutes trying to reach XXXX XXXX XXXX, who then transferred me to another manager, who then spent several minutes reaching XXXX XXXX XXXX, who then went though an almost comical phone call to verify that in fact XXXX XXXX XXXX had transferred {$6400.00} on Monday,XX/XX/XXXX 

My company writes ACH and payment processing software. There is no float on ACH. My bank has the choice of rejecting the payment or transferring the funds. Citi received confirmation of it, at the very latest on the XX/XX/XXXXbut much more likely on the XX/XX/XXXX. 

The float policy is unreasonable to electronic payments. It should not require 3 calls and 7 days to get credit for funds that were transferred to Citi electronically.

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 2019-04-30
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello - I am writing to you regarding a situation with Lustig & Glaser. My small debt was nearly paid off, yet it seems the above mentioned firm sold off a chunk of debts, mine included. 
Upon receiving the debt sale letter, I called the new number and told the lady that I wanted to pay off the debt in full. 
She explained that they were not yet set up to take my money, but they would call back very soon and help me. This call happened in XXXX of this year. No call, no help. Its only a small amount, under {$600.00}. I am desperately trying to MAKE IT GO AWAY!!

Company response to consumer: Untimely response
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: DE
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 did have a XXXX XXXX Credit card in XX/XX/2015 that XXXX called me at stated that the card was being used in different states as I lived in XXXX Pa. They stated at that time it was used in CA which I was never there and said they are going to close that gas card because it was stolen. I said I understood and questioned if I would be responsible for any payments and the women stated no, it was stolen. I e-mail XXXX customer service and explained what happened and question why was it reported to the 4 credit bureaus under my name. In that email she responded we don't report any defaults of unpaid payments to the 4 credit bureaus but it was in an inflated mount of {$360.00} dollars as it was closed under {$100.00} dollars. Its on my credit report under XXXX/XXXX and unpaid debt of {$360.00} opened in XX/XX/2015. I tried to have them correct this error but apparently they refuse. Under the credit card agreement, I am not responsible for fraud as XXXX/XXXX is in breach of contract.

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 2021-06-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
this is American Express card open beginning of XX/XX/XXXX/.XXXX.  When I call Main number of America.Express said this card is not part of American express.. Problem is limit of XXXX when open. Did not use this card since XX/XX/XXXX ..show balance of {$4000.00}. Paid {$200.00} to {$350.00} Monthly ..This card start Charging fees in XXXX over {$380.00} in fees Processing fees, each month until now. which I was paying down the Balance. Now in XXXX American express lower the limit with out letter or notice to {$4400.00} now show {$670.00} Min due. RIP OFF. Where I try to ask them to not due this and stop all fees the Cards has not been used since XX/XX/XXXX. By lower my limit this would cause over Limit fees. Payments are not being applied correct. Amex Only showing XX/XX/XXXX Statement online {$60.00} paid where when over {$300.00} was paid in XXXX now showing only {$120.00} but {$260.00} was paid ..Card last 4 # XXXX exp XX/XX/XXXX .. STOP THE FEES OF {$380.00} MONTHLY ON STATEMENT WHICH MAKE IT HARD TO MAKE PAYMENT TO LOWER MY BALANCE SINCE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for XXXX request for mortgage assistance since XX/XX/XXXX. Ive call weekly asking for updates documents stating The Underwriters requesting this. I send the documents. XXXX submitted XX/XX/XXXX XX/XX/XXXX and current XX/XX/XXXX. 

The current XXXX XX/XX/XXXX. 

SPS asked me to submit a new application in XXXX because it was cut off. I am not sure how the application is not legible when it is uploaded in their secure system to submit documents. As I continued to submit document during the XXXX the have been moving ahead with a FORECLOSURE SALE. Dual tracking violation!! I did not feel comfortable submitting a new application as this would start a new day on the application. So I keep my application from XX/XX/XXXX. SPS hires attorney XXXX NC sent inspectors to my home for violations, hired a realtor XX/XX/XXXX took pictures of my property, and valuation reports. Yet they assured me the XXXX loan modification was being processed while they have been XXXX. DUAL TRACKING VIOLATION. 

On XX/XX/XXXX, Attorney FC Foreclosure fee {$400.00} was added to my detail summary and a Forbearance was approve XX/XX/XXXX and a FORECLOSE sale date. I am confused .I have asked repeated questions that have been purposely unanswered. XX/XX/XXXX I received a FORECLOSURE SALE date. 

An SPS Consumer Affairs Representative XXXX called approx. XXXX XXXX, Wednesday, XX/XX/XXXX, and tried to coerce me to remove my Mortgage Loan Modification application, aka XXXX. XXXX stated that I needed to cancel my modification application for the forbearance to be active. She then stated I could choose a forbearance. The only thing she would require is for me to cancel my modification application dated XX/XX/XXXX. During the conversation XXXX acted like she did not know anything about the FORECLOSURE. This is a Dual tracking law violation! XXXX WANTED ME TO REMOVE THE MODIFICATION? 

I am documenting the companies behavior as this may help other consumers prevent fraudulent foreclosures during XXXX application. 

My spouse did not respond. After filing the proper paperwork to protect my home SPS has listed my home on XXXX and XXXX websites. I am requesting this information to be removed immediately. 

AS AN ESSENTIAL XXXX WORKER DURING COVID 19 THIS IS UNFAIR TO HARASS A CONSUMER AND NOT PROVIDE CLEAR PROPER COMMUNICATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: U.S. BANCORP
State: TX
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 allowed XXXX XXXX to reinsert their account back on my credit report and not notifying me within 5 days of doing it XXXX XXXX account been deleted for sometime and out of no where it's back on my report with no explanation which ruined my credit score again ... I want XXXX XXXX to leave me alone that they already did enough damage to my credit report and not giving me due process

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 2019-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a loyal Bank of America customer for over 10 years, and have never been so shocked or ashamed to be apart of such a money hungry corporation. Originally, I called because a vendor was illegally charging me money for the past couple of months, which I had proof of with a valid cancellation policy. I was not after the money that was illegally taken from me, but only wished for the vendor to stop being able to charge me future payments. I was told that if I wish to have someone who is illegally charging me money, that I would have to instead pay Bank of America a {$30.00} fee. Once I tried to reason with Bank of America 's agent, she stated that " overall Bank of America will be charging you less then the other vendor and its only a one time payment, so I should just do it ''. Essentially, I am being robbed and the bank wants to profit before they can help me solve my issue. I am already in the process of shutting down my account but I wish for other customers to hopefully be helped instead of being charged in the future.

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