BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I brought my home with an FHA loan in XX/XX/2016.

My taxes are supposed to be paid through my escrow account.

I have made all required mortgage payments and was never delinquent.

It turns out the mortgage company was paying taxes to an incorrect parcel number for this entire time.

The correct county never received any tax payments because the parcel number that was being paid was in a different county.

The mortgage company is now demanding that I pay the delinquent taxes and all the fees.

I don't feel I should be liable for this since I was making all the required payments and I was told that my taxes were payed through escrow.

The escrow company has tripled my mortgage payments to recover the $ XXXX that was delinquent.

I can not pay this and I am afraid they will take my home.

If nothing else they should try to work with me to resolve this in a reasonable way instead of increasing my mortgage payments to such an unreasonable amount. from XXXX to now XXXX This doesn't seem fair and cant be right.

Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bank mailed a cashier 's check to Home Depot. The cashier 's check had the last four digits of my account number and they included a copy of my statement. This cashier 's check was cashed on or around the XX/XX/XXXX. This check was for the Full account balance. This has yet to be applied to my account. My bank sent me the front and back copy showing it was cashed. I opened a dispute to get this payment found and applied. To date, this payment still hasn't been applied to my account. Now, they are charging late fees and calling harassing me that I'm late. This check was cashed by them and I called them to find this check and filed a dispute 10 days at least before a minimum payment was due. My minimum paymenta are due the XX/XX/XXXX so they had the check and cashed it Way before my payment was due. When I call, I get the run around that they are still missing something and yet another department says they received the notice from my bank that the check belongs to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29
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 have the app XXXX  XXXX  to keep track of my scores. I recently logged on and saw 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On or around XX/XX/XXXX I submitted a Citi Price Rewind request for a XXXX XXXX console that I purchased on XX/XX/XXXX for XXXX plus tax. The advertised price I found was on XXXX for XXXX plus tax. The lower price included the date, website screen shot, item description, and sales price -- all of the information listed as required by the Citi Price Rewind Terms and Conditions. The response I got back was that my request was denied because they could not find a lower price -- despite the clear evidence that I submitted to 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 2021-05-31
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax repeatedly keeps ignoring the fact that I've asked them to remove the address circled on the attached page a number of times. Some how they can't seem to read! I haven't had that XXXX XXXX address in more years than even I can remember. Remove it now or I'll get an attorney to help them figure out how to remove it. Last chance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: ProCollect, Inc.
State: WI
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 debt was taken care of with the property management XXXX XXXX XXXX of XXXX XXXX Texas in XX/XX/2018 and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by Procollect collection agency. I called procollect and told that debt was paid and they contacted the company it took procollect 2 months to update to my information to state I do not owe any money to either XXXX XXXX XXXX or Procollect. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: U.S. BANCORP
State: NY
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:
They US Bank is reporting inaccurate information to 3 credit bureaus which negatively impacts mycredit score for a 1 missed payment XX/XX/2014 for {$57.00} in which they never sent a bill or sent it to an incorrect address a mistake on their part-/ this happened their error 4 yrs ago and their mistake should have no bearing on my credit score! I want them to correct their error with all credit bureaus onvolved also when I paid off my balance in XX/XX/2014 I told them to close my account which they also have not done!! Their services are very poor to say the least!

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 2018-12-20
Company: EQUIFAX, INC.
State: WI
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 sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, XXXX XXXX XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: FL
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:
I have tried on 2 other occasions to get Experian to update my balance to the correct amounts, my creditor all have different balances according to my account records as of XX/XX/2018 : 1. XXXX/XXXX # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$570.00} -- -- - 2. XXXX/XXXX  # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$470.00} -- -- - 3. XXXX  # XXXX - Please correct the balance on my credit report, my balance should be XXXX, NOT {$160.00}

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 2021-09-03
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Purchased an airline ticket with points. They told me about a change and provided the option to respond by email. which I did twice. I called them XX/XX/XXXX and ask to respond to me by email. they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: CHECK INTO CASH 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:
On XXXX XXXX I was notified by my credit repairer that I had 5 new inquiries on my credit report. I was highly upset because that highly effected my process that was previously paid for and will cost much more as well as take even longer now to fix. The biggest problem with this is that I did NOT do these things nor did I authorize anyone to pull my credit without consent. The inquires came from check into cash I have not had any contact or affiliations with them since XX/XX/2020 when that was only to pay them off and be completely done. I have no idea why they would come back later as if I tried to apply again. The second biggest problem is that when I reached out to them they spoke to me as if I were uneducated and silly! She told me that the inquiries I saw were soft inquiries and do not effect anything and that I was the only person who could see this. Which in fact, my credit score went DOWN 66 because they pulled my credit not once but did FIVE inquiries, I am on my own personal credit repair process which this highly effected, and XXXX XXXX  is certainly a credible source in which I, as well as anyone else can see the inquiries she claims does not effect anything. 
I was very disturbed by her response which in fact even IF she claims these were soft inquires these were inquiries I DID NOT MAKE AND OR CONSENT TOO. So we have the same issue. I advised that they remove the inaccuracy or I would be filing a complaint and as you can see below they refused. I am highly upset and would like these inquiries removed immediately and compensated for how this has effected me. This is very wrong of this company and these things should be corrected without a representative telling me wrong information when I have been professionally advised and as representation of this company she should at least give accurate information not continue to wrong faithful customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I had a Wells Fargo Dealer Services loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and WFDS accordingly. The car was paid off with WFDS for the amount of {$7900.00}. I've got the confirmation letter from WFDS attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score.

I have already talked to two representatives from Wells Fargo Dealer Services about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with Wells Fargo and their bad reputation I am requesting the CFPB for help with this issue

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 2021-05-31
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a second credit card with XXXX XXXX bank that was opened fraudulently without my permission or consent. The first XXXX XXXX  was discharged in court. The documentation on that card was being sent to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. I NEVER lived in XXXX. The collection agency, XXXX XXXX removed it from my credit report. Additionally it was discharged and removed from all credit agencies. This is a second card from XXXX XXXX Bank that was opened in my name fraudulently. When this second card arrived to my Virginia address with XXXX  XXXX, I assumed it was a replacement card, I NEVER used it. I kept this card without knowing that the card was a second account opened separately and fraudulently. I NEVER CHARGED ON THIS CREDIT CARD, AND NEVER AUTHORIZED ANYONE TO USE THIS CARD. The address was changed and I never received any bills nor any goods or services because all billings went to the same address in XXXX Florida. I worked on my current job over 23 years and have a proven track record of employment, home ownership and utility bills in XXXX XXXX. All of which I provided to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CITIBANK, N.A.
State: FL
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:
Citi Bank- I signed with debthelpers in XXXX at which time Citi Bank agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. Citi proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with debthelpers all my payments had been on time and paid in full now my credit is showing a derogatory credit history for Citi. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to XXXX and ask them to adjust the contract ( already agreed by Citi ) and there are approximately eight credit accounts on the same contract with Citi, no other creditor has an issue. I have spoke with Asifasis XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: BANK OF THE WEST
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Previously had checking account with Bank of the West, XX/XX/XXXX-XX/XX/XXXX, overdrawn once & was charged {$5.00} a day for everyday overdrawn plus customary {$25.00}, other fees,, total of {$550.00} Now this is showing as negative/ derogatory on credit report, is such daily overdraft charges legal? Never known of another financial institution having such charges, feel these are unfair, outrageous charges, I have applied for my VA home loan benefit feel this might hinder progress

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: GA
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:
I have been disputing an account on my credit file, and although multiple FCRA violations have been clearly committed, this file remains on my credit report. I have contacted Equifax numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XXXX-XXXX  against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Equifax has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Equifax to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Equifax is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: UT
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 feel I have been a victim of Identity Theft from several Data Breaches. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. I was a victim of the 2017 Equifax Data Hack that 147 Millions credit reports were stolen while on Equifax 's watch. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX applied for refinance with TD Bank. Received a rate lock and XXXX points. I supplied all documentation requested by XX/XX/2021. On XXXX I received a " notice of incompleteness '' from TD Bank which they withdrew the next day indicating that they had everything. I followed up on XXXX asking for a status ; received a response XXXX saying they would honor the original rate and that I would have an approval within 2 weeks. On XXXX I still had not heard from TD Bank. On XX/XX/2021 TD Bank requested all documentation - again. Documentation supplied XXXX. On XXXX I was advised TD Bank was waiting for a subordination letter. On XXXX I was advised the application was fast-tracked. XX/XX/XXXX - nothing. On XXXX I was asked for the documentation for the third time with the instructions that they must be returned by XXXX ( 3 days before they sent the e-mail! ). Documents uploaded by XXXX. On XXXX TD Bank requests the documents again - 4th time - which are supplied on XXXX. On XXXX I was advised of a closing date of XXXX - never happened. On XXXX TD Bank requests I unfreeze my credit so they can soft pull - done. Now, XXXX they want more documents signed - but they have changed the original lock agreement to include points. 
All of this is just wrong, incompetent and, I Believe, an effort to force me to quit the application because the rates have risen. 
Interesting detail - the current mortgage is with TD Bank - the refi is also with TD Bank. How difficult can this be?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Carter Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I am written to you for help on my derogatory remark on my credit report. I have a collection payment on my report. This medical collection is 2 years and 6 months old. I don't have the exact date and documentation of when I got it. At the time I was inexperienced with my credit, but now I trying to improve my credit score. Also I was unemployed at the time to repay the collection debt. I am trying to repay my collection and was seeing if you would be able to as a goodwill gesture to remove my derogatory mark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease

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