BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened a checking account on XX/XX/2021 and completed all requirements to receive a {$400.00} promotional bonus offer. A few days ago my account has been closed due to a XXXX  balance. This XXXX balance auto-closure is not readily available information to public and was never told to me. Coincidentally, it was right as the {$400.00} bonus was about to pay out. I called and spoke to XXXX ( supervisor of technical call center ). Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). It has been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXXXXXXXXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. 

I filed a complaint with CFPB on XX/XX/XXXX, and Bayview provided a false response to that complaint on XX/XX/XXXX. 

In its response letter dated XX/XX/XXXX, page 2 of 4, Bayview claims that it was not in the receipt of an updated insurance policy until the policy was received via email on XX/XX/XXXX, and was processed on XX/XX/XXXX. This is a pure lie, as I have an email evidence that the updated insurance policy was emailed to Bayview Insurance department ( i.e., XXXXXXXXXXXX ) on XX/XX/XXXX, and again was forwarded to them on XX/XX/XXXX. 

I believe Bayview has been caught in a lie to a federal agency now. They received the proof of insurance that they were seeking on XX/XX/XXXX, but they refused to process it until XX/XX/XXXX. That is more that a month, during which time, Bayview was harassing me with threatening and distressful letters about purchasing lender imposed insurance policy. 

I want CFPB to ask Bayview about their recent lie in their response. I have attached a copy of the email that was sent by my insurance agent to Bayview on XX/XX/XXXX. In that email, the certificate of insurance was sent to Bayview, but now Bayview claims it did not receive the certificate of insurance until XX/XX/XXXX, which is a big lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: LA
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 agreed to a settlement amount with XXXX XXXX  XXXX  the terms of the settlement company agreed to correct payment history to alXXXX XXXX XXXXA. The information is still not reporting correctly I contacted XXXX XXXX to do a investigation they sent me a letter stated they needed to correct the payment history still not corrected I tried disputing the information and it still has not been correcting this account is showing a negative account and it should not this is messing up my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I used my XXXX  debit card to pay for a transaction on XX/XX/19 for {$130.00} XXXX uses my chase bank account as backup funding. This charged caused my chase account to go into a negative. That {$130.00} was then refunded but XXXX kept the refund instead of sending it back to my chase bank account. All XXXX could do was send me a bank letter. In the end, I was charged a total of 12 overdraft fees on my chase bank account totaling to {$400.00} and now I am going through a financial hardship and unable to pay my rent. I tried to explain the situation to chase and offered to send them the XXXX bank letter. But they just refused to refund me any overdraft fees and ignored my request to send the letter. I let them know the financial hardship this caused and I have been a customer for a very long time but they did not have any regards. As per XXXX money, chase bank led in profits for making the most in atm and overdrafts fees last year. This experience goes to show you how much they care for their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-31
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names XXXX XXXX XXXX Incorrect Address : XXXXXXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-05-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  ( XXXX - XXXX -- - XXXX ) is reporting several old accounts on my credit report which should have never been placed on there. For one I never got a notice and they just put the erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance. 

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2021, I was contacted by Credit Collection Agency for a debt of {$480.00} with XXXX XXXX XXXX. At that time, I requested a debt verification letter. After requested, the debt was was never removed from my credit report at the time of dispute. It is now XX/XX/XXXX, and I still have not received a verification of debt, and it has been on my credit report the entire time since Ive disputed. I called the original company who the debt collection services is representing ( XXXX XXXX XXXX ), and I was told they have no records of any collections or past due balances at all. This is affecting my ability to get a mortgage. I asked for copies of the phone recordings and was told by a supervisor that they record for training, and are not required by law to record the conversation or give me a copy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I requested for Experian to remove inquiries that were fraudulently placed on my consumer report. I have no open accounts with these businesses. I am requesting for them to be removed immediately because I don't agree with them. 

The following inquiries must be removed as I did not initiate them or authorize any party to do so : 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 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 non-monetary relief
Consumer complaint received 2020-06-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am trying to link my XXXX investment account to my PNC banking accounts to make transfers for investments. PNC is refusing to allow this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
i have reached out to XXXX on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.

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 2022-11-18
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated and deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX {$470.00} XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$370.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to DELETE immediately : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A week ago I was messaged by a man on XXXX  asking if I needed financial assistance. I said yes. This man then said and showed that he had a ton of money from an account. He sent a photo and the. Emailed me checks and I deposited them and to prove I was loyal I had to send him some back. These checks then bounced and I was left with XXXX because I had already spent and sent money thinking the checks were real.

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 2021-08-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payment in the amount of {$900.00} made to Wyndham Rewards business card on the XX/XX/XXXX, I think the website migration has messed up everything. It's been a week and the available credit still does not reflect the payment amount. Tried calling but the customer service has no clue about the situation.

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 2020-09-14
Company: JPMORGAN CHASE & CO.
State: AE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I requested an international wire transfer from Chase on XX/XX/XXXX. The wire was a routine wire that I normally due every two weeks. The purpose of the wire is to pay for my apartment rent, utilities in  XXXX. I currently live in XXXX under Permanent Change of Duty Station ( PCS ) for the Department of Defense. I will be in XXXX for three years, and then I will be coming back to my position in XXXX XXXX California. The government gives me housing allowance every two weeks to pay for costs. This money is sent to my XXXX XXXX XXXX XXXX as a direct deposit. What I normally due is that I transfer most of my money to my primary bank Chase to pay for my bills back home and transfer money to my XXXX account. I only use my XXXX XXXX to pay my car loan and to pay for groceries at the XXXX base. On XX/XX/XXXX, I received an e-mail that my wire was going to be delayed which I had no problem. I thought it was going to take 1 to 2 days so it was not a big deal at first. On XX/XX/XXXX, my wire still was not process. I called Chase long distance to check on the status, but the customer rep who assist me was not sure why my wire was delayed. Plus, she said the wire department was not taking calls at the moment. On XX/XX/XXXX, I called again getting the same answer. On XX/XX/XXXX, Chase customer service said that the wire was still not process. I asked to speak to a manger since the wire department was not able to take calls. To make the story short, the customer service center kept transferred me to different department. I had to re-explained my issue couple times to different representatives. I never got the chance to speak to a supervisor nor the wire department. At one point one department rep said that the wire department had sent me a secured message through Chase.com. I looked in my account and there was no message. I was on the phone for 1 hour 20 minutes  and I was given the round around. I was frustrated because with my wire not being transferred to my XXXX account. I had utilities bills that I needed to pay on XX/XX/XXXX. Luckly, I have a savings account with XXXX XXXX and was able to cover the expense, but I had to pay fees to pull the money from an ATM. Plus the long distance call is going to cost me money. On Saturday XX/XX/XXXX, I received a notification through Chase.com the wire department was going to contact me this week. It is XX/XX/XXXX in XXXX XXXX and I still have not receive a call or a resolution from Chase. I understand that we are in a pandemic, but Chase is a big corporation and should be able to adapt to change and find a way to find resolution to my wire.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The work is 100 % completed from fire damage. The XXXX XXXX  has paid the Freedom mortgage, the mortgage company needs to release the funds once the work has been completed. The work has been completed and they claim that we need an inspection in order for them to release the funds and they have not send an inspector out to do the inspection or released the money. That is the problem, we have contacted different persons and have received different answers. They claim that it should only take a couple of days and every couple of days you get a different excuse to why they have not sent an inspector out or released the money. Borrower has given me complete written authorization to negotiate with Freedom Mtg. for this fire repair. I will include the Authorization. 
Original request was made over 30 days ago, Freedom Tracking # 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX XXXX 2021 my credit cards usage went up {$160.00} on XXXX of my credit cards and {$25.00} on another. transunion dropped my score XXXX points. on XXXX the balance on those cards decreased {$330.00} and {$170.00} but my credit score only increased by XXXX points. with no other changes. in my opinion this is a predatory action by transunion. it absolutely makes no sense why my score did not double or even increase by XXXX points if my balances decreased by more than double. after a long conversation with transunion they could not explain why my score did not go up more. they literally could not explain it. can you please advise what a consumer should do in this case.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-05-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called Paypal back and told them I knew I just missed this one payment this month but intend on making a late payment. The gentleman told me the bombardment Id calls would not stop until the payment is made. I told him I wanted them stopped ASAP!

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 2019-11-19
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a credit report from a company that is not allowed to require personal protected information, SageStream LLC reported a false score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation