BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This problem actually started in XX/XX/XXXX when I received notice of escrow shortage in the amount of {$3700.00} when they raised my payment amount from {$540.00} to {$700.00}. Then XX/XX/XXXX they sent another escrow shortage notice in the amount of {$2500.00} and raised my payment slightly from {$700.00} to {$700.00}. Then XX/XX/XXXX I received another escrow shortage notice of {$1500.00} and raised my payment from {$700.00} to {$710.00}. Then XX/XX/XXXX I received another escrow shortage notice {$2600.00} and they are raising from {$710.00} to {$880.00}. The notice states exactly this : " Our review shows your escrow account has a shortage of {$2600.00}. Once we pay your upcoming insurance and/or tax payments, your escrow will fall below the required minimum balance. See Section 4 for details. Your monthly mortgage payment is also changing XX/XX/XXXX. Your new payment amount depends on which option below you chose : " Choices are pay the escrow shortage balance {$2600.00} in full by XX/XX/XXXX or monthly payments raises to {$880.00}. I have called repeatedly since XX/XX/XXXX to try to resolve this issue. And in just this last 2 weeks  have left several messages online and on voicemails to have someone contact about this very serious issue. I have asked to cancel the escrow account since I have now been paying directly to the insurance agent the homeowners insurance since XX/XX/XXXX. They still have not contacted me, they still have not closed the escrow account. I sent a certified letter in the mail directly to their office on XX/XX/XXXX requesting them to close my escrow account and provided proof of Homeowners insurance that is paid through XX/XX/XXXX that I paid from my pocket ... not the escrow account. No one at this company returns calls, no one answers when transferred to their customer care line. It says there is a 20 minute wait but it actually hours ... then still no one ever answers. I've sent online messages to have someone contact me from the escrow department many many times and more recently within these last 2 weeks yet no one has ever contacted me. This payment is double what is should be. And they are stating that this escrow shortage is to cover what is going to be paid ... .when really nothing will be paid from the escrow account since I am paying the insurance agency directly. Please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: VA
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 went to the car dealership. Asked the price of the car. The guy came back with the price and I told him no thanks. Somehow he ran my credit with equifax without my authorization. I had purchased a car from them the year before and I think thats how he got my info. I did not sign anything I did not apply for financing at the dealership I told them I was just shopping around at the moment getting prices and test driving cars. I called equifax and they told me I would have to call the dealership to remove the inquiries. The dealership told me they were too busy to call equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I am extremely upset with being ignored by a company that refuses to answer me. On XX/XX/2020 and XX/XX/2020, I wrote to the bureau to fix clear inaccurate information on my report with no response. I'm tired of being ignored. Its crazy to be ignored even when I sent certified mail to a well known company. I have attached all letters including a new letter that I'm sending off today certified mail. Hopefully, someone can make them do the right 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 2020-05-09
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: Account status incorrect

Complaint:
Hello, XXXX has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 My Deposit account received a electronic deposit for the amount of {$610000.00}, at which time, the financial institution refused to release this deposit, they availability of these said funds were delayed numerous times, each following a different explanation as to how this is part of the policy and follows in accordance with the account agreement that I signed and agreed to when I opened and funded the account, after numerous failed attempts to resolve the delayed accessibility issue, I reached out to the Executive Corporate Management Office, at which time I expressed my concerns as a consumer on how I felt that my funds were being withheld and improperly managed, this led to XXXX escalating the complaint and followed up in regards to this matter 17 calendar days after which it was filled. 

On XX/XX/2020, I requested a cashiers payment check be sent to me via mail, as I am not within close approximately to a physical branch. The Associate I spoke with via the customer service hotline, assured me that the check was ordered and I should expect to receive it, at the same address as to my other account related documents are sent, within 2-3 business days. I waited 7 Business days and attempted to gather a conclusion or statement as to where this payment may be, at which point I was Misrouted, given incorrect information and told there was nothing further they could do to assist me with this matter, as of XX/XX/2020 I still await for this said payment, There are no options or other course of action as I was previously advised that, once I receive the payment I can then bring it to a branch where it would be destroyed and my deposit account would thereafter be credited to the amount of payment. 


On XX/XX/2020 I received information from a vendor stating that the financial institution where my assets are held, divulged incorrect, defaming information that resulted in the vendor declining any further transaction. Not only did this institution slander against my credibility, details that have no meaning or bearing to my credibility and or characterizes were falsely disclosed in a deceiving manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: OH
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:
These are not my accounts. I have sent certified mail requesting Assignment of Debt, Method of Verification and Validation of Debt. I was not looking for a response from e-Oscar system. It's been over 30days with no response. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-11
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS COLLECTIONS is giving false credit information to the credit bureaus. I sent this collection agency a certified letter requesting they send me the information that shows I owe them the money they are requesting from me and all they have sent to me was some billing statement that I have no clue about. I then request them to send me the following that I never received : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request. 

This letter was sent out on XX/XX/2020

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Cottonwood Financial Ltd.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On Friday, XX/XX/2018, I visited Cash Store located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Telephone ( XXXX ) XXXX. I gave this company all of my personal information : bank statements, copy of blank check, copy of identification, and copy of proof of income. The clerk whose name was XXXX also had me fill out a disclosure form. However, after all that divulging and signing, XXXX declared I was not approved of the loan because my checking account has been opened for less than thirty ( 30 ) days. I asked her to shred my personal information, but she refused. XXXX claimed that they hold on to information in case they get audited.

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 2020-12-17
Company: U.S. BANCORP
State: NV
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:
After XXXX XXXX XXXX lied about every aspect of their business, history, and proposed service, ghosted every attempt to contact them, refused to provide any service or correction to proposed service whatsoever, ghosted me every time I called, I filed a dispute against the initial deposit that was charged to my card to reserve their truck in SF the weekend we discussed for a move, a truck they neither owned or ever owned according to the XXXX XXXX XXXX. In fact, further DD on XXXX showed that they were a new business only recently registered before my initial contact, that a previous business name had nothing but XXXX, XXXX and upcharge complaints, that very little was legitimate about them. 

When I asked US bank ( XXXX ) whether I need to worry about the dispute or chargeback, they said not whatsoever. Knowing I needed to contract for another moving service and postpone my move for more than a month, I called XXXX again to confirm that I should and could do that, and they reconfirmed the efficacy of the dispute chargeback, at which time I extended my rent ( a little over $ 4k ) and contracted for relocubes from XXXX {$2800.00} and moving services at my place ( {$400.00} ). 

Last week, US bank sent me a letter to say they were reversing the dispute chargeback. They were vague about the reason why but included an estimate that XXXX had provided to them. It was created after the initial deposit had been made, which includes language and terms that were never agreed to, confirmed, or signed. In fact, even with the copy of invalid terms, XXXX has not performed a single task or service listed. Their service level and my dealings with them are detailed in another attachment letter. I truly feel they're a temporary entity created just to funnel customer acquisition to partner firms engaged in rogue moving scams. Every real ( they created XXXX fake reviews before the business was even registered as a business ) review on XXXX since has confirmed this. 

US Bank 's action not only makes little sense, their inconsistent messaging and reversal costs me an additional 5k+. The decision to walk away from XXXX and stay an additional XXXX XXXX months XXXX XXXX XXXX factored in original US Bank decision and the risk of being taken XXXX and XXXX, but I was happy with that decision ( paying the add'l rent and overlap ) to avoid a brush with a criminal organization. US bank 's decision to reverse the dispute not only costs me a deposit which I received nothing for except headaches and stress, it also cost me all my overlap costs because it was the primary factor for deciding to do it in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: DISCOVER BANK
State: MD
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:
Someone used my credit card on XXXX account. I never authorized these transactions.

And I never saw my paper statement.

I didn't recognize those charges. But I made a payment because My address has been changed for
temporarily due to covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to Citizens Bank today in XXXX, Ohio. I asked them to close my account and I asked them to check if I was going to be able to keep the promotion. The teller then asked her manager. When the manager came back up to the window, she said that she was not sure. I asked her if she would be able to find out, expressing some confusion on why she would know the answer to such a basic question. In fact, I already knew I would be able to keep the promotion but I wanted to hear them say it so that there was no confusion. I was then asked to leave because I was being rude. I told them that this is XXXX because I did not swear them and I did not yell at them. I was a little irritated but this was because they were lying to me about not knowing or did not have the basic competence that even bank consumers have. I was very polite to them. And they started yelling at me. I felt humiliated when they handed me my driver 's license to them. I politely left and I went to the bank in XXXX where I was able to very easily close the account. Please ask them in XXXX if I was rude. I was not rude and they readily knew the answer to my question. What XXXX branch manager did not like about me was the XXXX of my skin. That is all she knew about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I looked on to my USAA account and discovered two a XXXX  a savings and checking account hold jointly had been drained of all funds.Upon review of the transactions here is the list of the fraudulent ones : Savings Account XX/XX/XXXX XXXX withdraw - {$65.00} XX/XX/XXXX XXXX withdraw - {$430.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX XXXX deposit {$1000.00} XX/XX/XXXX USAA funds transfer from account - {$200.00} XX/XX/XXXX XXXX withdraw - {$400.00} XX/XX/XXXX XXXX withdraw - {$570.00} XX/XX/XXXX XXXX withdraw - {$600.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX USAA Funds Transfer - {$40.00} XX/XX/XXXX XXXX Deposit {$400.00} XX/XX/XXXX Deposit Check via mobile ( check is made out to a person not known to either account owner and made out for {$170.00}, tried to deposit the check for {$1000.00} ) XX/XX/XXXX XXXX withdraw - {$400.00} XX/XX/XXXX XXXX withdraw - {$400.00} Checking account XX/XX/XXXX USAA funds transfer to account - {$200.00} XX/XX/XXXX XXXX withdraw - {$430.00} XX/XX/XXXX USAA funds transfer {$40.00} XX/XX/XXXX XXXX withdraw - {$100.00} USAA was called on XX/XX/XXXX and notified of the suspicious activity on the account. No response from USAA, called on XX/XX/XXXX and wanted to speak to the joint owner of the account. XX/XX/XXXX called to get case number and update, and was told to wait 10 days. Called XX/XX/XXXX and went into all the transactions. Upon discussion USAA it was discovered that USAA contacted us on XX/XX/XXXX to notify him of a new device added to his account. When looking through his gmail account none of the notifications were in his email, nor trash. USAA notification for deposits and adding access to XXXX was all gone. USAA recommended changing passwords and running a credit check. The criminal might have used access to our email account to then authenticate themselves for the USAA transactions. 
Looking through the gmail account odd emails had been found. It turns out all emails being sent to a XXXX XXXX were in our account. An email was sent to XXXX XXXX and he responded to say that his email had been hacked and that he also had a {$1000.00} bank fraud. 

USAA has not been forth coming with the fraud investigation, no case number has ever been given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: DISCOVER BANK
State: VA
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:
Hello, on XX/XX/XXXX I received a notification that Discover updated my payment information on my XXXX  Reporting from past due XX/XX/XXXX to current. However all 3 bureaus were not updated so I sent a request to have all 3 bureaus updates. On XX/XX/XXXX, I received notification that Discover had removed the positive payment history and reported the negative history again. I feel like this was a very bad experience and that Ive been discriminated against. The decision to add back negative historys UNJUST, negative and has violated my  consumer rights and is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: JPMORGAN CHASE & CO.
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: Other problem

Complaint:
Chase bank increased my credit card spending limit without my authorization. Chase also mislead me about spending limit increases.

Chase bank sent me an email after I signed up for this credit card, suggesting that I " Apply '' for an increased spending limit. This strongly lead me to believe that I needed to apply to have any increase in spending limit, and that I would not be able to go above  my XXXX dollar limit. 

This was proven wrong, when chase decided to increase my limit, during a purchase that would have otherwise been denied at the register. Because my card did not get denied, I continued to spend money on the card to gain Amazon rewards, thinking that I was well  within my XXXX dollar limit. 

I'd like to add, that I can prove with documentation my ability to pay this bill in full at any time. I use a credit card to keep my checking information safe. Chase took advantage of this, in a predatory, misleading, and malicious fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XXXX XXXX I called Capital one to verified I can make a payment using a prepaid debit card. I was told by the representative as long as there was an account number and routing number I would be able to use the card. The next day XX/XX/XXXX I called Capital one back to make a payment. The representative verified while on the phone with a XXXX banking rep, my account number, the routing number and clearance of the total payment. 

On XX/XX/XXXX I find out the payment has been returned. I first called XXXX to find out what happened and they told me the payment never came through. I then called Capital one and the rep. tell me she was not sure why the payment was returned. I then proceed to make the same payment using a different bank account. That payment was cleared the next day so I didn't think too much about it, just thought I couldn't use a prepaid card anymore. 
The day after XXXX I went to use my card and find out it had been closed. After talking to countless representative on serval different occasion. After hours on the phone trying to get this resolved, I finally get an account manger who tell me that they gave them the wrong routing number. The number that was giving was the number to process deposit to the card and not make withdrawals. I do not work for Capital One nor do I work for XXXX XXXX. This is not my fault. I had no ideal there are two different routing number for prepaid cards.

The rep stated that she would request that the card be reopened but there are no guarantees. This could take up to three weeks to process. This is unacceptable. I have had this card for over a year I use it to help with credit building and to help me in between paychecks. Me and my family depended on this card.

Company response to consumer: Closed with explanation