BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 transferred a balance to my American Express card for a 4 % fee and no interest for 12 months. I transferred it from a card where my APR was 13.9. On my first bill I noticed that I was charged the transfer fee as well as interest at 22 %! I called them they apologized and took off the interest charge and said it will not happen again. The next month I'm charged interest again. I call them they said they know it's a problem and notated my account. The interest fee was never refunded for last month and my bill this month has another interest charge on it. I feel like 3 months is more than enough time to solve this problem and I am tired of having to call every month and getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: FISERV INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear sir/madam, I had signed up for XXXX XXXX XXXX provided by First Data XXXX Services LLC in XX/XX/XXXX for my XXXX  of XXXX XXXX XXXX XXXX XXXX 

I was using their merchant services till XX/XX/XXXX without any problem. On XX/XX/XXXX, I processed two transactions for the total amount of {$740.00} using merchant service account ( XXXX ). When I processed these transactions on XX/XX/XXXX, First Data XXXX Services LLC cancelled my account and never released the fund of {$740.00} to me as of today. I contacted their customer service several times and talked to their supervisors ( XXXX  ) in  many occasions, at the beginning they told me that the funds will be released after 60 days from XX/XX/XXXX, they also promised me that someone would get back to me from their security department, and as of today - nor their security department or any one else has called me back yet. Rather than releasing my funds, they are charging my account and adding lot of fees unfairly. They have cancelled my account unfairly and because of them, i had to pay additional {$530.00} for their devices. They have also reported my name on the merchant services as misuser. 

I called their security department at least 20 times to solve this issue and there is no one to pick up the phone, I left several voice messages too but no responses back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: UMB FINANCIAL CORPORATION
State: CO
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:
In XX/XX/XXXX the following items were fraudulently charged to my credit card : XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$330.00} on XX/XX/XXXX a credit for {$330.00} posted XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$130.00} I pay this card per item and paid all but the fraudulent items after reporting them to the card company on XXXX/XXXX/XXXX. 

On my XXXX/XXXX/XXXX statement the fraudulent items were refunded but a late charge of {$39.00} and a purchase fc of {$28.00} showed and somehow the balance was {$84.00} over what I show due when I pay my statement per item. I contacted company and was told the fees would be reversed. 

On my XXXX/XXXX/XXXX statement they only reversed the late fee and not the finance charge. And despite paying per item the bill is now {$420.00} over what I show due. 

I take pride in paying my payments on time but am concerned about the impact due to this company not getting their billing done correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-23
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
A ACCOUNT WAS OPENED IN MY NAME FRAUDLENTLY. I HAVE NEVER OPENED AN ACCOUNT FROM DISCOVER FIN SVCS LLC. I HAVE TRIED TO COMMUNICATE THIS WITH THIS COMPANY SEVERAL TIMES AND HAVE BEEN IGNORED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had defaulted on a XXXX  XXXX XXXX Credit Card sometime between XXXX. I was contacted by the XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX in XXXX. I made monthly payments for over 2 years. I can't remember when they started and I can only access XX/XX/XXXX to present statements on my account. In XX/XX/XXXX the auto draft did not hit my bank account. I called a the office and they told me I was paid in full. I asked her to send me a letter. This is right about the time my father died so I'm not sure if I got the letter or if I misplaced it. I have had several collection agencies contact me since then to collect. The Law Office phone number is no longer active. I just received another letter for collection, Dynamic Recovery Solutions XXXX. I was able to get bank statements as far back as XX/XX/XXXX - XX/XX/XXXX which show the monthly payments. If needed, I can ask my bank for more statements. Can you help me with how to proceed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: REGIONS FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I disputed fraud charges on my account with Regions Bank XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$62.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX # XXXX XXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$41.00} XX/XX/XXXX XXXX XXXX XXXX {$90.00} XX/XX/XXXX XXXX XXXX # XXXX XXXX {$27.00} XX/XX/XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX   XXXX  XXXX {$26.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXX XXXX # XXXX XXXX {$1400.00} I disputed some charges as well XX/XX/XXXX XXXXL XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$30.00} They did not investigate or contact the merchants rather they sent me a letter stating that the transactions passed their automated system fraud thing and therefore there would be no credit on 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 explanation
Consumer complaint received 2019-02-28
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are three collections reporting on XXXX all with amount of {$730.00} from XXXX XXXX XXXX but held with United Revenue Corp. I have filed disputes to XXXX regarding the three accounts - numbers : XXXX ; XXXX and XXXX. I have also asked for an itemized statement because I do not recognize these amounts because my Explanation of Benefits have not shown that I owe {$730.00}. So I have two concerns, the first being triplicate entries on my credit report which is harming my credit score and the second, I'm not even positive I owe this debt in the first place! According to the FCRA I should be provided with an itemized statement showing that they filed my health insurance claims that they are obligated to file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I signed up for an American Express Platinum Card with the intent on maximizing the advertised new member bonus. The bonus I saw on every application form stated 75,000 points for $ XXXX in purchases within the first three months and 10x bonus points on supermarket and gasoline purchases within the first 6 months up to {$15000.00}. 

After a few weeks I noticed the purchases for supermarkets and gasoline cleared at the regular 1x reward rate for purchases. I called and was told the situation would be investigated and I would be called back. After two weeks I called today to get an update and was told the case was resolved and no changes would be made. 

I asked to speak with the deciding personnel and was told they do not speak to anyone but can send me the link I used for application that would prove I was not offered what I stated above. When pressed for the link the employee I spoke to ( XXXX, ID XXXX ) told me they did not have the means to send me the link, which goes against what she had just told me. I asked to speak to a supervisor but was told they were all busy. This was the same thing I was told earlier, that I would be called back. I am doubtful that this would be followed through based on the prior experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying a mortgage service provider ( Ditech Finical LLC ) FOR 14+ yrs.. 
I have been trying to contact them for 10 days without being able to do so to pay off my mortgage of approx. {$160000.00}. 
I finally had someone come on the phone yesterda after waiting on hold for more then an hour. She told me they were having computer problems & that was the reason for the long hold time. She then tried to guide me into their that account website which I had been trying to do for 10 days, to no avail. She then gave me information to give to my Financial institution to do a wire transfer through their bank " XXXX ''. 
After being cautioned by my financial institution the there are international " wire fraud scams '' going on, I decided to contact XXXX to confirm that the information given to me by Ditech was correct. After being able to outsmart the robot I was able to reach a human who informed me that the routing # was correct but the account # was not. At this point I asked for a supervisor who told me she could not confirm or deny that the account # existed. I asked for a manager when she then informed me that I was talking to the wrong dept. And it could take many days for my called to be returned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: AMERICAN EXPRESS COMPANY
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: Other problem

Complaint:
Yesterday XX/XX//2019 I received the following email from American Express. 

They lowered by Credit Limit without any notice this was going to be done or options I could take to handle beforehand. Only options after it was lowered. 

I was not anywhere near the credit limit, had made all payments on time. Apparently, it was decided after pulling a credit report to lower the credit limit. 

The biggest problem this has created is now this Credit Card is considered " maxed out '' which it was not even close to being " maxed out '' prior to them lower the limit. 

The problem this is going to have on my credit report is it will lower my credit score, which is important on the credit front in general. 

The fact that this was done without any prior notice, which I am sure they can do, which is so unethical. 

I did call them and spoke to a customer service rep who is the one who read over the phone why the limit was lowered. I felt like I was talking to a robot and this robot was just reading a script. 

This is an unfair practice in my opinion as I have always been on time with the payments, always paid more than the minimum. Never read if I didn't pay the balance down by a certain time I would have my limit lowered. 

The only reason this is so maddening is that now by no fault of my own credit limit and my credit score will be affected greatly. 

Not sure what can be done about this practice. But it is an extremely unfair way to treat good customer 's who pay their credit card on time and had considered being in good standing. 

My credit limit was {$20000.00} and the amount used {$10000.00}. I had also made a payment of {$450.00} just a few days earlier. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



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 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 2020-12-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Approximately XX/XX/XXXX I applied through my bank, XXXX XXXX, to refinance my mortgage. I have Credit freezes in place with all 3 credit agencies since I have been in the past victim of identity theft. I lifted the freezes without difficulty on-line with XXXX  and XXXX. However, 6 weeks later, I still have not been able to lift the Equifax freeze. I therefore can not refinance my mortgage. 

I have done the following with Equifax : 1. Tried to get the online account working without success. 
2. I was then requested to mail a request of the credit lift, along with 2 forms of identification which I did. 
3. I was never notified that the freeze was successfully lifted. Equifax states it was lifted, but XXXX was not able to access my credit stating the freeze was still in place. 
4. I went through this process a second time with the same result, it was not lifted and XXXX XXXX again could not access my credit report. 
5. I have tried multiple times to work with Equifax IT to fix my online account unsuccessfully. 

At this time, I have wasted hours and house of my time, XXXX XXXX time, and I STILL HAVE NOT ACCOMPLISHIED ANYTHING AND I CANT REFINANCE MY HOUSE! 

Whats else do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
5. XXXX XXXX XXXX XXXX XXXX, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020

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 2020-11-24
Company: Mr. Cooper Group Inc.
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Mr. Cooper Complaint This complaint against nationstar Mr. Cooper is for engaging in real estate mortgage backed securities fraud regarding property at XXXX XXXX XXXX At this time I am asking Mr. Cooper/nationstar only for two documents. 



# 1 the assignment of mortgage showing XXXX XXXX as trustee of XXXX pass through trust VI The owner of the mortgage. ( Please see Mr. Cooper letter dated XX/XX/XXXX signed by XXXX XXXX customer relations specialist. ) # 2 Please provide Assignment of Mortgage assigning mortgage to XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee of XXXX pass through trust X. ( Please see Mr. Cooper letter dated XX/XX/XXXX signed by XXXX XXXX customer relations specialist. ) Mr. Cooper states they have the collateral file and assignments so I am requesting only two assignments of mortgages on or about the closing date of these mortgage backed securities trusts that Mr. Cooper claims were the owners of the note and mortgage. 



So to clarify our request, we need XXXX assignments of mortgage and XXXX XXXX assignment of mortgage to the trust that Mr. Cooper claims they have the collateral file. 



Thank you very much for your cooperation in providing these two Assignment of Mortgage that I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THESE COLLECTION ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY. COLLECTION ACCOUNTS IS CLOSED-END AND CAN NOT HAVE LATE PAYMENTS ..MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THAT THESE ACCOUNTS ARE IN VIOLATION WITH HIPAA LAW WHEN IT SAYS MEDICAL INFORMATION FURNISHER CAN NOT BE INCLUSEDIN A CONSUMER REPORT AND THE NATURE OF SERVICES CAN NOT BE INFERRED BY A PERSON OTHER THAN THE CONSUMER MEDICAL INFORMATION. SEE ATTACHED : XXXX ACCOUNT. 
PLEASE PAY CLOSE ATTENTION TO THE ATTACHED THESE ACCOUNTS NOT REPORTING SOLD/OR TRANSFERRED THESE ARE VIOLATIONS. INSUFFICIENT ACCOUNT # 'S. BALANCE SHOULD SHOW {$0.00} REMOVE 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 2019-03-21
Company: TFS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need tax documents from my deceased mother 's savings account and mortgage with Third Federal Savings & Loan I have been requesting these forms and provided all documentation they have requested since XX/XX/XXXX. 

They refuse to provide these forms which are required by law to be provided. I need to file her income tax for last year and need this documentation. 

It should be noted that I have closed two of her accounts with Third Federal so they are willing to give me her actual money, but refuse to provide the tax documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EQUIFAX, INC.
State: PA
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:
In reference to a previously filed complaint Equifax has not responded to the CFPB : I filed a complaint with the CFPB ON XX/XX/18 complaint # XXXX Equifax and XXXX are continuing to report incorrect information on my credit report. They are reporting : THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived

Company response to consumer: Closed with explanation