BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I survived eartquakes and pandemic covid 19 disasters and PENFED after I tries several attempts to ask for loan consolidation of credits cards, moratorium in my payments only 4 months they make an UNAUTHORIZED TRANSACTIONS OF THE ONLY MONEY THAT I HAVE TO RESOLVE THIS MONTH, THE PROCESSED A UNAUTHORIZED PAYMENT FOR ONE OF MY CREDITS CARD OF {$100.00} ON XX/XX/2020 AND CHARGE {$10.00} AS A SERVICE FEES ON XX/XX/2020. tHE MAKE THE TRANSACTION WITHOUT MY AUTHORIZATION, i DID NOT RECEIVED ANY HELP AND TOOK THE MONEY FROM MY ACCOUNT WITHOUT MY ANUENCE WITHOUT MY AUTHORIZATION AND WITHOUT MY CONSEN. tHEY SAID THAT THEY CAN BUT i KNOW BY A LAWER XXXX XXXX THAT THEY CAN'T MAKE ANY TRANSACTION ON MY ACCOUNTS WITHOUT MY ANNUENCE WITHOUT MY CONSENT IN THE MIDDLE OF THE PANDEMIC DISASTER. tHEY STOLE MY MONEY FROMY ACCOUNT I UNDERSTOOD THAT, IT IS THE ONLY MONEY THAT I HAVE AT THIS TIME BECAUSE THE PUERTO RICO GOVERMENT TAXES IN A DISCRIMINATED WAY NOT WANT TO GAVE ME MY INCENTIVE A THEY GAVE TO EVERYBODY ELSE. I TOLD THAT THEY SHOULD RETURN MY MONEY THAT THEY CANT TAKE MY MONEY. THE aISABET WAS THE FIRST ASSOCIATE THAT ATTENT MY CALL. THEN TRANSFER TO XXXX XXXX XXXX AND THEY SENT A FORMTO FILL IN ORDER TO VIEW IF THEY WILL OR WILL NOT RETURN THAT DEPEND ON MANAGER DECISION, AND I NEED IT. i SENT A LETTER ON XXXX TO THEM ASKING HELP AND MORATORIUM AND THEY DENIED ME MY LAST PAYMENTS WERE ON XX/XX/2020. THEY SAID THE CALLED AND THEY DIDNOT CALL ME THEY ARE LIED, I DID NOT RECEIVED ANY CALL 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
Consumer complaint received 2019-01-27
Company: CITIBANK, N.A.
State: OH
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:
My problem is with CitiBank, I received a new card from them in XX/XX/2018, they offered a 0 % balance transfer which I took advantage of, I make all my payments on time I pay more than the minimum amount. I never received a statement from the bank until they sent me a collections notice in the mail, and during this time I was taking my husband to hospitals and numerous doctors as he is a XXXX XXXX   XXXX Veteran XXXX. I informed CitiBank that after my first bill, I always set up automatic payments, they informed me that they would remove this from my report but never did, my score dropped 60 points and it's the only derogatory item on my report and as I pay it down they keep lowering my credit limit to make it look like I'm always maxed out, which keeps lowering my credit score. This is unjustified. Thank you for any assistance.

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 2020-11-04
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: Information belongs to someone else

Complaint:
( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

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 2021-04-01
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a letter in the mail that someone tried to obtain a PayPal credit card through synchrony bank on XX/XX/2021, I do believe this is the same criminal who has filed fraudulent charges in my name on different accounts as well as fraudulent unemployment, this person ( s ) is attempting to and has been opening accounts in my name. My credit of froze with fraud alerts and Ive filed police reports.

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 2018-06-06
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi I just received a notice that I have an escrow shortage with US Bank. I closed in the month of XX/XX/XXXXseveral years ago. 
They are rebalancing my escrow and say I owe XXXX or I can have a new payment of {$1300.00}. I can't afford either. 
After investigation with my insurance agent, they told me the correct binder and amount of my insurance was submitted to the lender, with my name, address and loan number with a premium amount of XXXX. 
The lender last year revised my escrow account on an insurance binder that was not mine, it didn't have my name, address or loan number on it and was for {$1000.00}. They even sent me a copy of that binder, which is a violation of Personal Private Information -PPI.They changed my escrow payment to a lesser amount and when they discovered their error and paid my insurance company the correct amount. They never notified me or adjusted my escrow to reflect the correct amount that they had processed erroneously. Now I have a large shortage which is their error.

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 2019-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX  ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2020-11-04
Company: Comerica
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hi comerica bank falsely charging my account sum of XXXX. XXXX Which I called them to talk to close my account due to relocating to another state but they end charging me for return check i didnt know anything about

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : CHAPTER XXXX BANKRUPTCY-XXXX CHAPTER XXXX BANKRUPTCY-XXXX  CHAPTER XXXX BANKRUPTCYXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company is charging my mortgage account with an unauthorized charge of {$37.00} monthly for an unauthorized optional service. The mortgage company is unable to provide me information as to who they are paying this monthly charge to, what is the optional service account number and what is the payment recipient 's contact information for me to remove the monthly charge from my mortgage account. This has been going on for several years now. And now, the mortgage company has started charging me monthly interest on my non-payment of this disputed monthly optional service charge. I need your help in having the mortgage company remove the {$37.00} monthly charge from my account and the interest on it. I have been trying to resolve this issue with the mortgage company for years now. Please help. Thank you PS My mortgage payments are never late. Most of the times, my mortgage payment is made earlier than the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
UPON LOOSING MY LAPTOP AND THE CARRYCASE FOR SUCH THAT MY CARDS WERE IN I REPORTED IT TO WELLS FARGO. I ALSO NOTICED A BANK ERROR THAT SHOWED MY ACCOUNT TO HAVE AN INCORRECT DEPOSIT THAT I HAD NO KNOWLEDGE OF I ASK THE BANK TO FREEZE MY ACCOUNT BECAUSE SOMEONE WAS DOING TRANSACTIONS WITHOUT MY CONSENT OR KNOWLEDGE THA REP TOLD ME ASSURINGLY THAT MY ACCOUNT WOULD BE FROZEN. DAYS LATER I NOTICED THAT IT WAS INDEED NOT FROZEN AND THAT MORE MONEY WAS BEING DEPOSITED INTO MY ACCOUNT VIA CHECKS AS LATER CONFIRMED THROUGH RESEARCH. I SPOKE SEVERAL TIMES TO THE FRAUD DEPARTMENT ONLY TO BE PUSHED FROM DEPARTMENT TO DEPARTMENT. AND LIED TO IN THE END THIS BANK CHARGED MY ACCOUNT FOR AN AMMOUNT OVER 2,000 DUE TO FRAUDULENT CHECKS. THAT I INITIALLY BROUGHT TO THEIR ATTENTION. THE SIGNATURE IS NOT MINE, AND THEY DID NOT HAVE ANY FORM OF ID WHEN THEY DEPOSITED SAID CHECKS INTO MY ACCOUNT AND WITHDREW THE FUNDS OR PARTIAL FUNDS SAME DAY. THE BANK REFUSED TO STOP THE TRANSACTIONS BUT INSTEAD TREATED ME AS IF I WEE THE CRIMINAL. IN THE END I LOST THE MONEY THAT I USED TO OPEN MY ACCOUNT WITH OUT EXPLANATION AND YET TO SEE WHAT WAS DONE ABOUT IT BECAUSE THE BANK LOCKED ME OUT OF MY ACCOUNT AFTER ADMITTING IN A SECURE EMAIL THAT THEY HAD MADE A MISTAKE.

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 2021-01-20
Company: ALLY FINANCIAL INC.
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:
On XX/XX/XXXX my bill for account ALLY FINANCIAL Reported : XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX XXXX DEALER FINANCE. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late 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 2019-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with bank of America and for some strange reason my funds are missing out of my account I was informed by bank of America that my account was hacked or stolen where someone been charging and removing money out of account u put complaint in and only answer I'm getting is they are closing my account my money missing and that's it, I would like to have my money and transfer to my other bank account at 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 2017-08-04
Company: TCF NATIONAL BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Hi my name is XXXX XXXX. I went to the branch were, I have my Checking Account. Had asked the associate that I needed a Cashier Check in the Amount of {$400.00} hundred to cover whatever my husband needed to get a house we supposedly we were going to rent from XXXX XXXX but she scammed us lucky for us she did n't get ahold of the other cashier checks. I Immediately called the bank and reported that I got scammed the following day went to the branch gave them a picture of the cashier bank I thought this situation was fixed but instead I checked my account on XXXX XXXX, 2017 and to my surprise the person changed the check the bank took my funds after I reported immediately that there was no keys no house this person caused us our apartment the bank manager had told me the issue was resolved they were going to put my funds back but instead they took the funds from TCF Bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Pressler & Pressler, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX ( XXXX XXXX ) had XXXX sheriff serve notice of suit to an address that I no longer reside in front of children and neighbors causing great embarrassment to relative that purchased my property in XX/XX/XXXX. This document was not sealed giving access to my personal information and the nature of the suit. Relative read contents over the phone to me. In addition this agency ( XXXX ) had previously called other family digging for information on me and sharing personal information which violates my rights under collection laws This debt was factored or sold by XXXX to XXXX XXXX apparently. This debt had previously been placed with an Illinois agency by XXXX. They refused to negotiate a reasonable repayment plan after our rental property was damaged in Hurricane Sandy in XXXX. I will only negotiate and pay XXXX, not XXXX XXXX. 

I have never spoken with anyone at this agency ; nor was I notified of any legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. 

One is from capital one in XX/XX/2017 and the other is from XXXX/ XXXX XXXX , Florida in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Re : Care Credit. I had gone to a medical spa for XXXX treatments  ; I was told that I would be given a discount - 4 treatments and during my 2nd visit the 5th treatment would be free. The 1st treatment was a  nightmare - painful. After 3 days ( the time limit in Oregon to cancel such services from a spa ) I emailed to ( 1 ) cancel 2nd appointment and ( 2 ) voice my concerns. No response ; no response for 3 days. I finally called and verbally cancelled. The next day I got many texts from the anesthetician demanding that I be seen and following treatment at their spa. I was concerned that it would be considered the '2nd treatment ' and I would be charged. I have since seen another medical spa -- treatments are not painful ; a full {$600.00} less than the first spa. 
Synchrony Bank has 'investigated ' and is backing up their merchant, saying there is nothing they can do but I AM BEING CHARGED FOR SERVICES THAT I LAWFULLY CANCELLED AND HAVE NOT RECEIVED. I feel that the merchant and the Bank has being unjustly enriched.

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 2020-11-04
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper took over my mortgage from Seterus Inc., who applied an escrow payment of {$740.00} to unpaid principal balance. Mr. Cooper took the following actions : {$680.00} of the {$740.00} was reversed and reapplied to the escrow account with an effective date of XXXX, the additional {$61.00} was applied to a late fee by Seterus Inc. I had previously filed for bankruptcy protection which was discharged before the above action was taken. In fact Seterus ' note on a statement specifically indicated the {$61.00} late fee was discharged due to the bankruptcy. Before Seterus sold and transferred the company, they took the {$61.00} late fee and never returned or credited the account, thus, illegally keeping the funds in a sense stealing from my account. I contacted the new servicer, Mr. Cooper, who claims there is nothing they can do. My mortgage was serviced by Seterus and they stole the funds before turning over the account. I have provided all supporting documents to Mr. Cooper via email.

Company response to consumer: Closed with explanation