BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My unemployment ReliaCard through US Bank has been locked since XX/XX/2020. I am unable to access my account or use my debit card because it is locked. I have called ReliaCard dozens of times within numerous internal departments and with several supervisors in each department. I am repetitively told over and over that there is nothing theycan do to unlock and they have escalated my issue dozens of times. I am about to lose my car and my car insurance already lapsed. I have called the state unemployments office and they said they have no locks on my account. I have called the department of treasury and they have no lock on my account. I have called US Bank and they also do not have a lock on my account. My account was said to have been locked because I spent more than my daily limit was allowed? They needed to verify my identity. I sent them copies of my birth certificate and government issued driver 's license. I still have no answers or can access my account. I am losing everything and the issue is still very unclear to why and how come the lock hasn't been lifted.

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 2020-10-20
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
usbank sent me unsolicited visa debit card. concerned about its use fo fraud. usbankreliacard. want a safe way to cancel this card

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 2019-11-11
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent account identity theft XXXX XXXX XXXX XXXX Amount XXXX Open XX/XX/XXXX This account has not been showing on my credit report previously This account has been deleted for about 4-5 years now and somehow reappears on credit report in XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CITIBANK, N.A.
State: MA
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 an old Sears credit card - they were bought by Citibank before the stores went out of business. There was a charge made for under {$20.00} that I don't remember making but I never received a bill. When I finally got a notice I paid the bill. Then the same thing happened again. It seems Citibank was tacking on late fees to a {$10.00} account balance after I thought I paid in full according to the bill I received. Finally I just paid the full amount and called to have the account closed. 

I have perfect credit and this was a case of not receiving notification of the bill for several months. I honestly don't even remember the charge. I think there has to be some responsibility shared by the creditor in not communicating the charges with me on a bill for under {$20.00}. 

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 2023-05-13
Company: EQUIFAX, 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:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached FTC Report and remove the following unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is made against BB & T Bank in that the bank froze accounts belonging to [ Fiance Name ] to support their clearing of an out-of-state check made out to [ My Name ] and put into her account on XXXX. The bank put a 3 day hold on the check and cleared same on XXXX as a courtesy to the customer. The customer was trying to verify the check was a good one and relied on the bank to hold same until funds cleared to ensure its authenticity. The customer/consumer was not aware of what processes the bank used by which to release funds and did not ask for any special or courtesy accommodation in authenticating the check. 

Point 1 : According to the Federal Reserve Bank, a reasonable length of time for an in-state check to clear funds is determined to be 24 hours and at the most 72 hours ; Point 2 : According to the Federal Reserve Bank, a reasonable length of time for an out-of-state check to clear funds is determined to be at least 5-7 days and sometimes up to 10 ; Point 3 : Items 5 and 6 are usually those relied upon by a consumer making a deposit ; Please see attached COMPLAINT. I have all supporting documentation.

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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
Summary : American Express offer XXXX bonus points for new cardholders. Key events are as follow : 1 ) On XX/XX/XXXX, my application was approved, an Amex rep confirmed over the phone that the spending conditions were met, and wait for 4-8 weeks for the points to be deposited. Note that the phone call happened some times between XXXX, and there should be a recording for this conversation. 


2 ) On XX/XX/XXXX, I attempted to reach out via Amex 's Chat Support. Amex reps told me that the account was not eligible for the bonus as there was a warning notification about accounts not being eligible. Note that I had not seen any warning or popup with similar message. I inquired about evidence that it happens, and asked for explanation of conflicting message that the phone rep gave earlier as mentioned in ( 1 ). Amex rep opened internal investigation. 
3 ) On XX/XX/XXXX, I reached out again via chat. The rep said the investigation was closed, without providing any further information as requested in ( 2 ). The reason is essentially : " the machine decides it, we can not interfere ''. 

As the case concluded without evidence showing no wrongdoings either side, just a vague message about the root cause, I am now filing a formal complaint to CFPB hoping to get satisfactory results. 

Attached is the chat messages with Amex rep for more detailed context.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: EQUIFAX, INC.
State: NV
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, name on file, addresses on file, nor did I authorize these companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: LD Holdings Group, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Unsolicited offers. Loan Depot emails, calls, and sends physical mail regarding my loan. I do not have a loan with them, I never had a loan with them, they bought my information from someone else whom I applied for a loan through. Now they will not stop contacting me. I have notified them multiple times to remove me from their contacts, but I continue to receive unsolicited offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Williams & Fudge, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I attented XXXX and after transferring to the XXXX XXXX XXXX  in XXXX, Williams and Fudge contacted me and said that I owed them {$1200.00} on XX/XX/2020 through my phone number and personal email, which I never gave them access to, and I thought that this debt was valid so I had set up a payment plan with them but as I am a student I was unable to keep up with the payments, The company then continued to harass me constantly to continue to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir or Madam, In 2006 me and my wife purchased a condo located at XXXX XXXX XXXX, XXXX XXXX About 10 years later we moved out and have since rented the property out as the real estate market in that area is not great and we would like to hold off on selling. Since that that time the mortgage has been refinanced and serviced by various lenders. We have never been late or missed a payment. We have tried for the past 5 or so years to eliminate private mortgage insurance but each time the lender at the time provides some reason why the mortgage insurance can not be cancelled. I realized recently that our LTV was well below the 78 % needed to qualify for automation PMI termination that you mentioned or your website. 
A few weeks ago I called the servicer ( Mr. Cooper ) and explained this to them and they said they would look into it. I never heard anything back. I wrote them a letter last week and they responded that at this time can not cancel it because their investors require per the attached letter. From my research I was under the impression that the 78 % LTV was the rule as far as PMI termination was concerned. Now the lender is stating it is lower and I'm pretty sure that in a few years they will again lower the threshold again. Could someone please help me understand why my PMI is not being cancelled or contact the lender to find out why. I've been paying PMI now for 15 years and it doesn't seem right. Im already paying an interest rate above the market to begin with. I appreciate your timely help with this matter XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately.

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 2023-01-30
Company: United Collection Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2023 I sent out a letter asking this company to validate the debt that they claim I owe. In return this company sent Medical records that I did not allow them access to receive. I did not sign a HIPPA form authorizing this collection agency to access my medical records. This is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citi closed my account in XX/XX/2018. They illegally withheld my money which I tried to retrieve over and over again for months to no avail. I wasted countless hours going to the local branch, on the phone and checking my emails. My balance was {$1900.00} and after countless promises, I received nothing. In XX/XX/2018 I filed a complaint with the office of comptroller of currency and they immediately responded and offered a {$1000.00} refund check while the investigated. I agreed because I was in desperate need of my OWN money. I contacted the representative who mailed for {$1000.00} and asked her about the rest and she told me that balance was adjusted after the account was closed. That's a joke! Not only they illegally withheld my money, and the refund check for {$1000.00} 5 months after they closed my account is evidence of wrongdoing on their part. They still owe me approximately {$900.00} and they refused to send any documents, statements or anything of that sort. I no longer have access to the account. I want my {$900.00} immediately or I'll take legal action and seek a trial by jury pursuant to the 7th amendment.

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 2020-11-19
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I HAVE ATTEMPTED TO REACH OUT SEVERAL TIMES TO THIS COMPANY AND I AM OVER IT! THIS ACCOUNT WAS OPENED UP FRAUDULENTLY!!! THIS IS NOT MY ACOUNT! FOR YEARS THIS ACCOUNT HAS EFFECTED ME AND MY FAMILIES LIFES! I HAVE BEGGED FOR YOU GUYS TO TAKE IT OFF. THIS IS NOT MY FAULT! THIS IS YOUR COMPANIES FAULT AND THE WAYS YOU USE TO VERIFY PEOPLE! I HAVE FILED IDENTITY THEFT REPORTS! I DONT KNOW WHAT ELSE TO DO! TAKE OFF THIS ACCOUNT!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have a substantial credit balance on my Chase credit card. I requested a refund from the bank which holds my credit card approximately two weeks ago and then I called a week ago to resubmit my request because no action was taken. The customer service representative on each occasion said check was ordered to be sent. I contacted the credit card company today and requested an acknowledgment that the credit balance was to be sent to me via check as promised. Each time I ask CUSTOMER SERVICE for an acknowledgment they refuse saying thats not their policy. Chase is refusing to refund my credit balance as promised and is using my money without paying me any interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I sent out our house payment priority mail on the XXXX of XXXX. Specialized Loan services LLC. Received the payment on the XXXX of XXXX and it was signed for upon reception. Specialized Loan services did not process the check and in fact have not to this very day. And now they want to charge me a late fee. I tried calling them on the phone only automated services on the phone. I kept pressing for an agent but, " due to Covid-19 '' blah, blah, blah. 
Look, I have paid my house payment on time for 25 months now and no problems until now. I already read that this company plays these games and I am not going to stand for it. I am trying to get my credit back up so I can refinance my house and they know that and want to keep me on the hook with them. I have the USPS receipt and documentation showing that they signed. This is not the time to be playing with peoples homes I mean I made it through the XXXX ' housing market crash. These guys are just trying to squeeze me for a dollar. This isn't right and I'm contemplating driving to their office and making a scene.

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 2020-05-21
Company: Ocwen Financial Corporation
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:
In XX/XX/2020, I received an alert that my credit points had dropped ten ( 10 ) points due to PHH Mortgage company submitting negative information. In XX/XX/2020 due to Covid19 also known as the Corona Pandemic PHH assured its borrowers that they would work with them during this time and sent emails stating that they would not charge any late fees, report negative marks on anyone who applied for a forbearance, and yet they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NJ
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:
My mortgage balance keeps going up on my credit reports but my balance on my statement is {$25000.00} less. It shows {$260000.00} on credit report but {$240000.00} on my mortgage statement the {$240000.00} is the correct balance but they are not reporting that. It also shows Ive only made 1 payment in 4 years .Ive already sent my current mortgage statement to the credit bureaus but to no avail with anything being changed

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: AmeriCollect
State: CO
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:
AMERICOLLECT ( Original Creditor : XXXX XXXXXXXX XXXX ) is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: USI Solutions Inc.
State: TX
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:
Want USI, XXXX XXXX to stop harassing. Debt to XXXX XXXX of XXXX from XXXX2008 to stop. In over 25 calls just now got their address. Threatened that complaint has been made. They said they are bonded in TX but could not find them on XXXX site. This is beyond RD 4 year statute of limitations. They are calling family members and their family members

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 2020-11-21
Company: Experian Information Solutions Inc.
State: GA
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:
I filed a FTC identity theft report to be sent to XXXX, XXXX, Experian, I have tried to resolve this with the companies and the credit reporting agencies but they have failed to help me, so Im filing this to have these inquiries that was placed on my credit report as fraud, I want these inquiries taking off my reports, I have included in the FTC Identity theft report all the inquiries that are on my reports, I want these removed, I am unemployed I can not buy a car, I am disputing these inquiries as fraud, but do not add any fraud alert on my credit reports with out my express permission, I am sending a copy of this FTC indentity theft report to all three credit bureaus so they can have and keep this FTC identity theft report if any more show up I was alerted this morning from credit monitoring products from all three credit bureaus that these inquiries have been placed on my credit reports please remove.

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 2019-03-12
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. i have attached a communication log from hunterand warfield

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief