BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare services the mortgage on my investment property. Last year I was {$1000.00} short on my escrow. I want to plan and budget in the event there is a major shortage this year so that my mortgage payments are not jeapordized. I have never been late nor have I ever missed a payment. My plans are to continue being a responsible homeowner. 

On XX/XX/2020, at XXXX XXXX Central time, I called Loancare ( XXXX ) in an attempt to get an approximate amount of my escrow balance. XXXX answered the phone. I stated my request. He said that my escow hadn't been reviewed so he had no way of calculating what it might be. I know this isn't true because moments before I talked to representatives from XXXX XXXX and XXXX. Both banks gave me the information despite that fact that my annual review hadn't been done. I shared this information with XXXX. He insisted that he could not provide a figure. I asked to speak to a supervisor. He placed me on hold. After about an hour on hold, I hung up and called back. XXXX answered the phone. I posed the same question about my escrow balance. I told her of the issue I had with XXXX. I told her that once she addressed my issue I wanted to speak to a supervisor. All of a sudden, she said she could not hear me. The line went silent. She never addressed my issue nor was my call forwarded to a supervisor. 

I simply want professional, non-vindictive, courteous customer service. It's all about meeting my financial obligations to my loan in a manner that ensures the loan is kept current.

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 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I am writing you regarding the apparent intentional mishandling of my credit card deposit refund of {$500.00}. In May of last year I requested my credit card account, ending in XXXX, to be closed and my deposit return. The agent took her time closing my account and applying a credit to my account. It took them three months to send out a check for my deposit at which time I was already out of town. I spoke with an agent and he said he would be able to cancel the check and credit my account. Then he would be able to perform an ACH transfer of the credit to my checking account at Capital One, ending in XXXX. That did not happened and I had to call back in XXXX to get it done. I spoke with another agent who said she would resubmit the request. She took no responsibility for the fact that other agent and supervisors had committed to performing an ACH transfer on multiple occasions and had failed to do so or let me know it is not possible. She said the only way to return my deposit would be via a check through the mail. 


On XX/XX/XXXX I noticed that there was a transaction on my account ending in XXXX, XFER SC DEPOSIT TO SC PAY, and the {$500.00} refund was not there anymore. I called Capital One to find out what this strange transaction was and they said they refunded my deposit to XXXX XXXX, an account I initially used to send the deposit but which has been closed for years. I am not sure how you send money to an account that is closed. But, in any case I never authorized anyone at Capital One, at any time, either verbally or in writing to deposit money in any account other than my account at Capital One ending in XXXX. I contacted XXXX XXXX and they confirmed that the {$500.00} was returned to Capital one on XX/XX/2021. However, Capital One does not acknowledge that the funds were returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/2020 from US Bank stating that it was closing my account immediately for inactivity. In almost all cases in the past, with other credit card companies, I would receive a letter letting me know that my card will be closed for inactivity in 30 - 60 days unless I ( 1 ) give them a call to discuss keeping the card open or ( 2 ) make a purchase using the card scheduled to be closed.

I found this concerning because most Banks appear to be bending over backward to help their customers during the pandemic. In this case I wasn't given an opportunity to resolve the matter and keep the credit card account open. 

I called Customer Service at XXXX at approximately XXXX XXXX EDT on XX/XX/2020 to discuss the matter as instructed in the letter. The Customer Service Representative told me that this was considered a permanent close and if I wanted it to be re-opened I would have to reapply. I didn't want to go that route so as not to affect my credit score with a new inquiry and asked to speak to a supervisor. The supervisor told me the same thing and let me know that there was no one else I could talk to. I found that surprising and ended the call. 

I just looked at my XXXX FICO Score XXXX on XX/XX/2020 at XXXX XXXX and have an XXXX credit score - nine points away from a perfect score using that model version. It appears that credit scoring was not a variable in their closure mode where they could secure a soft hit on my credit report to determine the minimal risk I present to the Bank without impacting my credit score. 

Thank you.

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 2017-09-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX, I applied for a BMO Harris Everyday Checking Account, which offered a {$200.00} bonus for qualifying deposits ( screen shot attached ). The account was provisionally opened on XXXX XXXX, and fully opened after following their procedures, including submission of signature cards. 

As detailed below, I contacted the bank in order to confirm that my deposits qualified for the account opening bonus, they confirmed my deposits as qualifying in three separate exchanges, and then other agents within the bank determined otherwise. I would like the bonus posted to my account as soon as possible. 

On XXXX XXXX I contacted their eChat service and XXXX confirmed that a deposit qualified ( transcript of chat attached ). 

On XXXX XXXX I contacted their eChat service and XXXX confirmed the second deposit qualified ( transcript attached ). 

On XXXX XXXX I contacted their eChat service and XXXX informed me that deposits post only after 120 days, " as disclosed in the mailer, '' although I had not applied through a mailer but instead through their online application ( transcript attached ). 

On XXXX XXXX, more than 120 days after opening the account, I contacted their eChat service and XXXX again affirmed that the two deposits qualified and that I could expect the bonus to post on XXXX XXXX XXXX transcript attached ). 

On XXXX XXXX, XXXX " escalated '' the matter and told me I could expect a response within 3-5 days ( transcript attached ). 

On XXXX XXXX, XXXX stated that my qualification was under review, in spite of the previous statements of XXXX and XXXX that I had qualified. He implied that I might not qualify after all, but that the matter was under review ( transcript attached ). 

On XXXX XXXX, XXXX affirmed that XXXX had submitted the review on XXXX XXXX, and, after my request, contacted the marketing team. XXXX communicated to me that the marketing team now contradicted XXXX and XXXX, having determined that the deposits do not qualify without further documentation ( transcript attached ).

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 2019-08-28
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld System Inc. is reporting a medical collection in the amount of {$1800.00} opened XX/XX/XXXX and I have not had any medical bills for XXXX. I had a collection back in XX/XX/XXXX for a different amount. They do not report the date of last activity on either of these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}

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 2023-02-15
Company: EQUIFAX, INC.
State: IA
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 was in the process of getting a home. After they checked my credit report after being denied I saw XXXX accounts that were not mine. I submitted a fraud report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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: Information belongs to someone else

Complaint:
I demand that the following account ( s ) /file ( s ) be deleted, all collection efforts cease and any information about this account ( s ) /file ( s ) sent to credit agencies/bureaus be removed immediately!! 
XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$3300.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$19000.00} XXXX XXXXXXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$5800.00}

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 2019-12-08
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2021-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo fraudulently opened two new accounts - a checking and savings account on Sunday, XX/XX/2021. Accounts : XXXX and XXXX. 

I was alerted by a text saying my accounts had XXXX balance. 

I already have a business and personal checking with Wells Fargo, and a checking account with XXXX XXXX and XXXX XXXX XXXX XXXX so I did not need another account. 

Wells Fargo has a history of fraudulently opening accounts without permission.

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 2019-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Constantly calls. Calling 1 or 2 times per day. I've asked several times to contact me via postal mail and to stop calling me on my phone. Just got a call at XXXX this morning. They need to stop calling me. The company is called portfolio recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I was checking my credit report and noticed that a hard inquiry was made by XXXX XXXX on XX/XX/XXXX. I did not give them permission to run a inquiry on my credit report any time in XXXX. I took out a loan with them on XX/XX/XXXX that's the only time they had permission to run my credit. I have not giving them permission to run my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
I am an American Express Corporate Cardholder and had a fee for a balance that was overdue. This fee was added to my XXXX Statement for a XXXX charge that I did not clear in the time allotted [ 45 days ]. I discovered the error and called American express on XX/XX/2018. At the time, the customer care representative kindly removed the charge. The full balance was cleared on XX/XX/2018. 

On XX/XX/2018 the same {$39.00} fee was added back onto my account. American Express did not disclose that they would add the fee back on after they waived it for the charge that lingered between XXXX and XXXX. In fact, they credited my account for the XXXX $ fee on XX/XX/XXXX and then added it back on XX/XX/2018. I believe that this is not in good faith and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received my regular direct deposit to my Chime bank account at XXXX pm. I was currently at home watching my son 's basketball game. At XXXX I transferred my funds from my checking to my Chime credit builder card. At XXXX am on XX/XX/XXXX, XXXX individuals hacked my account. They transferred the money from my credit builder card to my checking account and used the pay friends feature to transfer my entire direct deposits to themselves. At the time the transfers were made I was still sleeping. Once I woke up and saw these mistaken transaction I immediately contacted Chime as well as completed a police report. I submitted a dispute with Chime and a few days later it as denied. I started to send several messages via social media on XX/XX/XXXX as well and called Chime several times and spoke with 3 separate managers. On XX/XX/XXXX chime closed my account blocking access to all previous informtion and transactions. {$840.00} was taken out of my account by complete strangers and I need my money back. I hve XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: MARINER FINANCE, LLC
State: FL
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:
On XX/XX/XXXX I was checking my credit report and noticed that a hard inquiry was made by XXXX XXXX on XX/XX/XXXX. I did not give them permission to run a inquiry on my credit report any time in XXXX. I took out a loan with them on XX/XX/XXXX that's the only time they had permission to run my credit. I have not giving them permission to run my credit again.

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 2021-04-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the XXXX checking account based on the the promotion of {$400.00} bonus after meeting the requirements. I have met all the requirements and still have not seen the bonus in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally will not answer phone, no matter when I call they put me on hold and say there is a 6 min. wait time,6min. go by and they say again there is a 6min. wait time.I am unable to withdraw money that I need.

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 2020-05-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, My complaint is with my mortgage company, SPS. 

Letter from SPS dated XX/XX/XXXX, states ... 
My payment currently is @ 3 % {$3000.00}. New payment is @ 4 % {$3300.00} effective XX/XX/XXXX and scheduled to go up XX/XX/XXXX, and again to increased to 4.125 % and is effective again on XX/XX/XXXX and scheduled increase again XX/XX/XXXX to {$3300.00}. 
I had applied for a loan mod back in XX/XX/XXXX, with no results. SPS wasn't clear with their requests each time they asked for additional info and I was returning info on XXXX paperwork, but later several months, found they wanted the info on their paperwork, even though info almost same, just not on their paperwork, so in the end my paperwork was thrown out. I had to start all over and this took me about a month to mentally wrap my head around the chore I had to do AGAIN, but after calming down and receiving their forms. I reapplied in XX/XX/XXXX, a few questions about my paperwork again, they seem to question my paycheck status, they question why was I missing paychecks, I explained I only worked two days in first quarter of this year and I highlighted the info describing that, like year to date # 's. Then they said I wasn't reporting workman 's comp checks. I explained, I am not reporting because I am not receiving, they found that odd for me not to be collecting. I explained I only work one day a week and I don't qualify, I only work one day a week because I am a full time mother to my XXXX year old with XXXX, trying to transition him into adulthood since the school district did not. Another reason I need help with my loan mod, because he has cost me $ XXXX recently for XXXX assessment and {$7500.00} for XXXX XXXX XXXX remapping to help him deal with real world. Finally it was in underwriting and they questioned that again. Finally, I find it is in its 30 day time frame starting XX/XX/XXXX, I received a resolution on XX/XX/XXXX explaining they were declining my loan mod. However, The amount they showed as income was {>= $1,000,000}, when in reality it is {$8500.00}, because I am not working nor am I collecting unemployment, this is a discrepancy, I called XXXX and they suggested I reach out to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}

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