BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
The stated date of first delinquency has been reaged. However, given the currently stated date of first delinquency this account is still well over five years old. Per Idaho 's statute of limitations : " Breach of contract for sale under the UCC : 4 years. Written contract or liability : 5 years. Contract or liability that is not written : 4 years. ''

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 2020-11-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The following is a chronological order of my account 1. XXXX Mortgage was serviced by XXXX. 
2. In XXXX of XXXX an escrow was originated for property taxes only, insurance paid through our condo master policy. 
3. XX/XX/XXXX property taxes paid of XXXX leaving a negative {$230.00}. 
4. XXXX and XXXX escrow payments cleared up negative leaving an actual balance of XXXX going into new year. 
5. XX/XX/XXXX loan transferred to XXXX XXXX. All year XXXX {$230.00} per month contributed to escrow for taxes. 
6. XX/XX/XXXX A FINAL ESCROW ACCOUNT DISCLOSURE STATEMENT SENT TO ME FROM XXXX SUPPORTING THE LAST 4 MONTHS OF THE LOAN ESCROW. 
( ATTACHED ) 7. Monthly escrow payments all year XXXX to XX/XX/XXXX x {$230.00} / {$2700.00} 8. Then after XXXX paid the XXXX taxes of {$2600.00}, they claimed a deficiency of {$2000.00}. 
9. I have been disputing this calculation beginning XX/XX/XXXX. 
10. XX/XX/XXXX, the loan was transferred to Rushmore Loan Management WITHOUT clearing up the dispute. 
11. I had to start all over again with Rushmore and to date my exact dispute questions have not been addressed and after months of letters and phone calls I can not get a simple explanation as to why there is a deficiency. 
12. In XX/XX/XXXX, Rushmore notified me that they were raising my mortgage payment some XXXX monthly. 
13. Now my XXXX taxes are due and there is a large deficiency again, Not sure how much. 
This account has been switched 3 times in 18 months and as of the XX/XX/XXXX I agreed with the final escrow from XXXX. Based on this baseline established, my contributions should have been enough for property taxes, maybe a small adjustment for annual increase but nothing like what I am being told. 
I have attached the final escrow statement from XXXX which was the baseline.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Last summer, XXXX XXXX XXXX, I went to the Bank Of America ( XXXX XXXX, XXXX CA ) and sent ( intern transfer ) XXXX U.S Dollars, that was still left in my account, to my Account in my country ( XXXX, XXXX XXXX XXXX ) before closing the U.S account and go back to my country. However it never got to me. So i have tried several international calls to tell them about the situation from XXXX and they ( Bank of America ) told me that my money was still there ( they did n't send it ) so they wiki send them again, but again it never came. 

So i asked the XXXX agency to take a look about this situation and they have found out that they have mistaken the RECIPIENT 's name on the form, so that is why the money can not go through the international transfer. Apparantly, according to the XXXX XXXX XXXX, the money is still there in the money 'pool ' of Bank of America , which every Bank has to keep the unknown money. 

I have tried to contact Bank of america afterwards as week but they keep on asking me my account number but i do n't have them because i have closed it before leaving the country. 

Please help, Best, 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 2019-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Bank of America, I have made several frauds claims against XXXX as they have charged my card numerous times within the last few months. However, these chargebacks have not been decided in my favor and I would like to appeal the decision. 

I have never authorized any transactions with XXXX. I have been an XXXX & XXXX   customer for all my life and never have changed to XXXX. Someone has gained my card information and was able to use it without my consent. I have spoken to numerous Bank of America employees and the first time they ensured me that I was going to receive my money back, but I never did. After my request was declined, I called back, and a representative told me there were charges from XXXX previously and that showed a history of transactions with XXXX. 

I was unaware that there were any transactions from XXXX as the small charges were able to pass my knowledge and I did not pay attention to them. Once the representative pointed that information to me, I told her none of those XXXX charges were authorized from me and they should be immediately disputed. Reviewing the charges from XXXX, they were not from the same merchant as one of them shows XXXX Contract and the other two show XXXX XXXX. When I was searching on the transaction list I was searching for XXXX Contract and none showed up so thats why I only disputed the XXXX Contract. 

I have contacted XXXX numerous times and they said they can not find any transactions under my card information or personal information. I even sent in a screenshot I got from a XXXX store showing they had no accounts under my name.

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 2023-01-11
Company: Professional Credit Management, Inc
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX Arkansas is reporting XXXX XXXX on my credit reports that are for less than {$500.00}. Starting XX/XX/2023 medical debt under the amount of {$500.00} are to be removed from credit reports. XXXX has yet to do so. Please remove all collection under {$500.00} from my credit report. 

Account numbers : XXXX XXXX XXXX XXXX ( this is listed twice on my reports ) XXXX XXXX XXXX XXXX XXXX This are all for under the amount of {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: NC
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 never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires all reporting agencies to follow up and investigate those inquiries in question or delete. 

XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX XXXX  ; Date : XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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 status incorrect

Complaint:
the statue of limitations has expired for XXXX XXXX account number XXXX and XXXX XXXX XXXXXXXX. The statue is XXXX years in texas where I live and its been over four years. This is a violation of my rights.

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 2021-06-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
as soon as I applied for forbearance, my mtg started charging an unknown fee of {$17.00} each month. They indicated this would never happen. I have asked them about this and they have not replied. 
This last month, I noticed it was shown as a late fee, even though I wasn't late. I think this is 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 2020-07-08
Company: eToro USA LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I received an offer the app XXXX ( a digital asset price tracker ) with an offer for a {$50.00} signup bonus for signing up for eToro, an online social investment service, via the app. After signing up and meeting the offer conditions ( including filling a XXXX Form with my XXXX app/user ID ), I did not receive the {$50.00} bonus as promised. I exchanged several emails with eToro support between XX/XX/XXXX and XX/XX/XXXX, providing screenshots of the offer and asserting that I followed the requirements, but they did not honor the promise. They claimed that I had signed up through " another marketing channel ''. I escalated the support issue to the top level, i.e. head of US marketing. 

My boyfriend also completed the offer, but had to manually ask support for his {$50.00} to be added. I believe it's possible eToro is trying to avoid paying what is owed by their promotion terms on a larger scale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed with Chase for {$2200.00} on XX/XX/19 a fake merchant posing as XXXX for tech support for 2 charges of XXXX on XX/XX/19. This fake company posing as XXXX provided a false invoice that I bought gift cards for the amount of {$2200.00}. The invoice is fake and Chase took the fake document and closed my dispute. Chase did not confirm the documents provided by this fake merchant posing as XXXX is legit. 

I was a victim of computer fraud and this company froze my computer and said to call XXXX Support   and I called the number on the screen and they sold me on a lifetime support from XXXX Tech Support for {$1100.00} and walked me through payment through my XXXX XXXX as my computer was frozen by them. The transaction didn't go through so they walked me through the transaction again for another {$1100.00} totaling {$2200.00} which I disputed with Chase. 

I am shocked at the lack of customer support and protection from Chase and siding with a fake merchant committing crime and fraud without any effort to validate the fake invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Today I had paid my balance of {$550.00} in full, and yet the customer service representative mentioned to me I would be responsible for {$250.00} in additional interest because I did not pay this promotional balance in full by XX/XX/XXXX. This is unfair deceptive and misleading business practices UDAAP and Fair Debt Collection Practices Acts ( FDCPA ) because I never received any disclosures or clear information to this effect. I am absolutely disgusted by these mob collection tactics by Best Buy and Citibank. 

Previously, I had submitted a complaint in XX/XX/XXXX about excessive interest charges which were never disclosed to me, on or around XX/XX/XXXX, Best Buy/Citibank had credited these excessive charges and installed a promotional rate as of XX/XX/XXXX, which misled me to believe the promotion would be in effect through XX/XX/XXXX. 

Further, I have never received my Best Buy Credit card, any monthly statements, and because I do not have my Best Buy credit card in my possession I am unable to view charges online, etc. This lack of information is denying me the opportunity to be able to act proactively on any account changes. 

I have set my account on autopay to show my good faith since XX/XX/XXXX, and I call in repeatedly to verify my account status in good standing, and NEVER ONCE did the customer service mention the loss of a promotional rate and which date it would be occurring, etc.

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 2023-01-18
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$140.00} ), XXXX XXXX XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$110.00} ), XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$140.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$730.00} XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$200.00} XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021 Navy Federal Credit Union performed a " Hard Credit Check '' on my account. I have never had an account with them, I have never consented to signing up for any kind of account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: JPMORGAN CHASE & CO.
State: IL
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:
I have a Chase Amazon Prime account. I have tried multiple times to sign up for automatic payments. I thought that the company had accepted my information an would process the payments each month. However, they didn't. Now the are charging late fees to my account and wrecking my credit rating. I have not had this level of difficulty with any other credit card. I have paid more in late fees than I have actually charged on the account and they also charge interest on the late fees and take away any points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were transferred to XXXX XXXX in XX/XX/XXXX after I applied to the Public Service Loan Forgiveness Program ( PSLF ). After much chaos with trying to establish the best repayment plan, I settled on the Standard Repayment Plan. 

In XX/XX/XXXX, I was notified that my account was in " pay ahead '' status. I was told that at some point, I elected to pay more than the required monthly payment amount to decrease my overall debt. However, I do not recall electing to pay ahead, and there is no documentation showing this either. Pay ahead status would decrease the overall amount of loans forgiven in PSLF, so I do not want to be in this status. In this same phone call in XX/XX/XXXX, I requested to be taken off of pay ahead status, and was notified that my request was immediately taken care of. However, my account still says it is in pay ahead status today ( XX/XX/XXXX ). I have already called to request this be taken off, but nothing has worked. 

Additionally, I am enrolled in auto-debit and was told I would see an interest rate deduction of 0.25 % after my XXXX monthly payment. This is not reflected on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: CA
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:
Today : XX/XX/2019 I went onto XXXX and noticed two unauthorized hard inquiries on my credit report. 
First company reported hard inquiry XX/XX/2019 from : XXXX XXXX, FL XXXX ( XXXX ) XXXX Second company reported hard inquiry XX/XX/2019 from : XXXX XXXX, DE XXXX ( XXXX ) XXXX I never authorized either of these two above companies to check my credit. I haven't tried to get a new line of credit, whatsoever. I contacted both of the above companies directly and the calls where an automated advertisement company offering products. I have no information on how to get in contact with these false companies to address this issue and I'm concerned my credit may become jeopardized if this is not taken care of soon.

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 2017-09-19
Company: CITIBANK, N.A.
State: PA
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:
I AM FILING A FORMAL COMPLAINT AGAINST XXXX XXXX XXXX WITH CITIBANK. SHE INFORMED ME THAT SHE IS NOW ASSIGNED TO MY CASE BECAUSE I FILED A COMPLAINT AGAINST CITIBANK. SHE IS MORE RUDE AND MORE SNIPPY. SO YOU FILE A COMPLAINT WITH A FEDERAL AGENCY TO PROTECT YOU AND CITIBANK SENDS YOU A PERSON TRAINED TO CRUSH YOU. 

I HAVE REQUESTED THE INTERNAL RECORDS TO SEE THE CARD ENDING IN XXXX THAT MAGICALLY BECOME XXXX AND CARD XXXX. XXXX CAN SEE THOSE RECORDS. SHE HAS INFORMED ME THAT SHE ALREADY SEES WHERE CITIBANK IS RIGHT AND I AM WRONG. 

I WILL ONLY BE RECEIVING " STATEMENTS '' IN XXXX WEEKS, ARRIVING AFTER SHE MAKES HER DECISION. 

THIS PROCESS IS TOTALLY UNILATERAL. CITIBANK IS IN FULL CONTROL.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please remove these inquires I didn't authorize. 


Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XX/XX/XXXXXXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XX/XX/XXXXInquiry from XX/XX/XXXX Finance XX/XX/XXXX Inquiry from XX/XX/XXXX Finance XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Finance  XXXX Inquiry  from XXXX XXXX, XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank

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