BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/XXXX I paid off a collection XXXX XXXX XXXX  in the amount of {$330.00}. They agreed to report to all 3 major credit bureaus that the account was " paid as agreed '' and to have to have it permanently removed from my credit report. So far the only bureau it has been deleted from is XXXX XXXX. Equifax and XXXX  it is still showing as UNPAID. I have called the collector and the amount was paid on XX/XX/XXXX. It's almost been a month and I would like to have this trade line permanently REMOVED from Equifax and XXXX. I have a attached 4 documents. ( 1 ) A photo copy front and back of check, ( 2 ) a screen shot of USPS proof that it was delivered, ( 3 ) a screen shot from Equifax showing it is STILL showing on my credit report, ( 4 ) and a screen shot from XXXX  showing it is STILL showing on my credit report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Westlake Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 i responded to US Bank 's promotion for new customers, which they offered {$300.00} bonus whith a new checking account if {$2000.00} direct deposit was made the first 60 days and i did more than that.I opened the checking account @ ( US  BANK, XXXX XXXX XXXX , XXXX, CA. XXXX, ( XXXX ) XXXX ). I called on XX/XX/2019 US Bank and spoke to employee XXXX XXXX and his Manager XXXX XXXX to remind them that i fulfilled my obligation and both verified that. Until XX/XX/2019 i didn't received the bonus so i called again and spoke to Manager XXXX XXXX. This time he was Very Rude, Misleading, Yelling, XXXX. He refused to honor my bonus. Obviously he is either using different excuses so he can pocket the bonuses of new customers or US Bank 's use Gimmicks bonuses to attract new customers and never honor them, or both. In addition i was charged before the due date of three items  to be paid, 6  $ XXXX for overdraft protection that i never ordered. When i opened the account i asked XXXX XXXX to receive electronic statements, but i was charged {$2.00} fee6=XXXX monthly for mail statements which i never received. I do more than ten purchases with my debit card in order to avoid monthly charges, but I am charged $ XXXX per month. This is another example of a Bank behaving like a Criminal Enterprise without obeying any Law that Politicians drafted for them. After all this is purpose of Bribing Politicians, etc.

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 2019-03-06
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a loan with XXXX XXXX with a co-signer, my co-signer filed bankruptcy and during that process I was told I could not make payments and couldn't get in info on the loan, even my online access was shut off. Now my loan payment has skyrocketed and now I can't take the co-signer off the loan because they said that broke up me not having 12 straight payments due. Now they tell me I should of demanded to put money on the loan anyway even though I have letters from them saying no access can be made to the loan.I asked multiple times can I pay and was told no.They won't even work with me on the new high payment I cant afford.The last letter I got was XXXX19 telling me I can't have any loans or communication about that loan so how can I make payments when I was told it didn't exist till after that process was done. I also got told if I wanted a lower payment then don't pay the loan for months and they will give me payment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: CAINE & WEINER COMPANY, 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: Their investigation did not fix an error on your report

Complaint:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fruad account Appearing on my credit 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 non-monetary relief
Consumer complaint received 2021-04-29
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX I applied for an XXXX / XXXX XXXX XXXX and was approved. It is backed by Comenity bank. On my XXXX statement I noticed my available credit was XXXX and my limit was XXXX. I called immediately and was told the account was closed but was NOT provided a reason one. They said a letter was mailed out which I did not receive. Finally in XX/XX/XXXX I received a letter stating the account was closed due to a negative relationship with Comenity. 

I called and was told I could appeal it and message them on my CC log in page. My credit history has NOT changed since XXXX XXXX, in fact it has improved. My XXXX XXXX XXXX was in good standing and paid on time. There are NO other new negative items reported. I pulled all 3 credit bureau reports. This was the e-mail I received " Taking a look at your account, I see it's associated with what Comenity [ Capital ] Bank considers to be a risky financial history. '' Again, I am not sure what account they are referring to, but there is NO NEW information reported since XXXX XXXX. 

I asked XXXX to re-open my card, because as we know, closing accounts also affects your credit score. XXXX / Comenity refused. This card was open for less than 5 months. If there was something negative, then they should have done their due diligence at the time of my application. Closing a card with a balance reflects poorly on my credit score and is an unfair business practice. 

I would like this account in GOOD STANDING, re-opened, and a copy of the exact information and date of the item they are referring to. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Weinberg Mediation Group LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Left a VM. My husband called them back. They never disclosed that they were a debt collector but rather asked my husband to verify the last 4 of my social or DOB. He gave them my DOB. Gentleman went on to say that a complaint was filed with the XXXX court ( there's no complaint at the XXXX court ) and that this could be resolved quickly over the phone or they'd take further collection action ... implying filing a law suit. He claimed that I owed a debt to XXXX XXXX XXXX XXXXXXXX for a line of credit. I haven't had a line of credit for over 10 years anywhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: ERC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I had an XXXX  door to door person offer a package deal for wireless and internet that I opted for. In this 'deal ' I got the newest XXXX. All I had to pay that day was 'tax on the XXXX ' I'd be getting, which was {$100.00}. I returned the phone in plenty of time not to pay any fees, didn't get any better service than I had with my XXXX with another cellular company. I returned the phone to the XXXX  store, got a receipt, but XXXX  still said the phone can't be found. Finally they FOUND it after a few months but still had not returned my TAX on the purchase! I was due the {$100.00} back, but instead they ignored helping me and I had to dispute this charge on my Visa. They tried to get XXXX and didn't get a response so I got my taxes on purchase refunded. Since then, I was billed over and over for it?? I called explaining this mulitple times, no one thought it was any big deal, did not help and finally it was turned over to XXXX XXXX XXXX out of NY, who hounded me with call after call for months and months but my phone blocks spam calling at this point. Now it has been changed to a new collection agency as of XX/XX/XXXX ENHANCED RECOVERY COLLECTIONS out of XXXX, FL. The process to dispute starts all over again, with what was MY money in the first place and my Visa investigated this and gave me the money back.. and yet I deal with this continuously for nearing 2 years now. I was advised by my identity theft protection company that monitors all my credit to write a complain to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Riverwalk Financial Corporation
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: Their investigation did not fix an error on your report

Complaint:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-21
Company: STERLING JEWELERS, 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:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Westlake Services, LLC
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:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried several times to request Sierra Pacific Mortgage to update my tax lines and reach out directly to my tax assessor office as they did a corrected secure tax bill land not a supplemental. I have spoken directly to the tax assessor and advised me the bill that was sent out is the actual amount but they added taxes from XXXX. My analysis was perform in XX/XX/2019 and they increased my payment even with payments being made toward the escrow for shortage by {$300.00}. I have attempted to escalate the situation without anyone in the tax department or their escalations department to contact me directly to understand what I am speaking about. The tax department is being neglected and just basing information found on XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In response to complaint XXXX, Discover Bank stated that they issued a bonus of {$100.00} to my savings account. That deposit never posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez/Shellpoint Mortgage XXXX XXXX Compliance Dept Complaint Case # XXXX To whom it may concern : I submitted a complaint against NewRez LLC d/b/a Shellpoint Mortgage Servicing in XXXX of this year because Shellpoint persistently has falsely stated I owed hazard insurance coverage and thus late fees. 
Newrez responded to the complaint by admitting ( letter attached ) that I had hazards insurance and they falsey without caused purchased extra insurance. In this letter, NewRez also admitted that no overdue fees should be in my account. However, since the letter, my mortgage statement has a overdue payment of {$790.00}. There shouldnt be any overdue payment since the matter was rectified by them. 
This is in violations of the Real Estate Settlement Procedures Act and breach of contract or estoppel, in that NewRez incorrectly charging me mortgage fees and then failed to properly investigate and remedy the error. I tried calling customer service but only get rude and unprofessional agents who refuse to provide their full names. 
I do not owe any overdue fees. This issue has effected by credit rating and adding unnecessary stress. 
Im requesting that NewRez either fix the error or explain the fees. NewRez acknowledged the receipt of the notice of error but failed to remove the {$790.00} fee.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, 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:
HARD INQUIRY __________________________________________________________________ XX/XX/2017 - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM EQUIFAX AND XXXX   XXXX XX/XX/2017 - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a dispute to Experian on XX/XX/2018, and it was received on approximately XX/XX/2018. Today XX/XX/2018 I received the attached letter stating that Experian isn't going to be investigating my disputes because I didn't provide information to validate myself. My dispute included a notarized form stating that a notary public verified my ID. Experian is attempting shirk their responsibilities under the FCRA. I am not going to attach my ID for privacy reasons. Please see the attached dispute.

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 2018-07-23
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
OnXX/XX/18, I applied for a student loan at XXXX. I was immediately approved, with a cosigner ( my brother ) at rates that varied between 7.8 % and 8.8, depending upon my repayment terms. 

I was told by my school, online websites, and the Consumer Financial Protection Bureau, to shop around and compare student loans, so over the next two days, I applied for 3 more student loans in order to compare rates with XXXX XXXX. 

When I realized that the original XXXX XXXX loan was the best rate, as compared to the comparing loans I applied for, and were approved for, I went back and completed the loan documents again at XXXX XXXX. My approved interest rate on the second XXXX XXXX application was 10.2 % to 11.2 %. 

When I called XXXX XXXX, and explained that I wanted to original interest rate I was quoted on XX/XX/XXXX, I was told that my " shopping around for the best rate '' actually impacted my, and my cosigners, credit score and I would not qualify for the original rate they offered me. 

None of my ( or my cosigner 's ) financial circumstances have changed in two days. I should be able to obtain the original loan terms that were offered to me. Students should not be told to shop for the best rate, when this practice will only increase their rate with every comparison.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
MY CREDIT FILE WAS COMPLEMIZED BY SOME ONE I DONT KNOW RESULTING IN SEVERAL DELIQUENT DEBTS REPORTED TO MY CREDIT REPORTS. I HAVE REPORT TO THE POLICE NOTHING WAS DONE, I AM REPORT HERE IN HOPE OF CLEANING THOSE ACCOUNTS FROM MY NAME CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to obtain the XXXX form from my mortgage company in order to file my XXXX taxes. Capital One was my mortgage company for close to 10 years until XX/XX/XXXX. In XX/XX/XXXX they sold my mortgage to " XXXX XXXX XXXX ''. The new company can provide XXXX information only for XX/XX/XXXX to the present. They told me I need to go back to Capital One for any information I need before that date. 

Here 's the problem I'm confronted with. Capital One completely erased any information related to their mortgages off of their website so any mortgage information you want to obtain before XX/XX/XXXX is gone. Capital One no longer has anyone I can contact to ask any questions about my mortgage. The only Phone number ( XXXX ) XXXX has a recording that tells you there is no one available to help you with mortgage questions. You need to write a letter with any questions to a P.O.Box. 

Capital One XXXX XXXX XXXX  XXXX, Minnesota XXXX The recording states they will send out XXXX forms by the end of XX/XX/XXXX. I did not receive the XXXX. If I write them a letter at this point I do not know that I will receive a XXXX in time to file my taxes by XX/XX/XXXX as there is no one there I can contact. 

In addition Capital One paid some taxes for me in the amount of {$2300.00} for XXXX in XX/XX/XXXX. They charged me {$3200.00} in XX/XX/XXXXfor taxes. I want to know the reason for the discrepancy and get an accounting because I do not have an escrow account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Flagstar Bank, N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently sold by XXXX XXXX  to Flagstar Mortgage. Prior to the sale, I went through the process to have mortgage insurance removed from the account. I paid for two appraisals and had many communications with XXXX. I have a letter in hand from XXXX dated XX/XX/2018 stating that they had removed mortgage insurance from my account. 

When my loan was sold to Flagstar, I noticed in my online account that mortgage insurance had been put back on my account. Although it's now significantly less than what it had been with XXXX, it's my understanding that this is a violation of the Home Owner 's Equity Protection Act. Series of attempts tried by me to get this rectified : 1.When I first notice this in either late XXXX or early, I called Flagstar and asked them to remove it. They asked me to send an email to their PMI department. I did and received the automated reply that they'd get back to me and they did not. 

2. So, I called on XX/XX/XXXX ... They said that they need a copy of the letter XXXX sent me, so I sent it in. No response other than the same automated email. 

3. I called again on XX/XX/XXXX ... Now they want a copy of the appraisal. Sent it on over and guess what? No response. 

4. XX/XX/XXXX. Now they want me to get a letter from XXXX showing the effective date of the removal. I've been on hold with XXXX 's automated phone line for 45 minutes and counting. 

I've never missed a payment on this mortgage, took all the steps asked of me to get it removed, had it removed, and now it's on me to keep following up with these guys to see what else they can think of to get me to keep wasting my time on? I really don't find it to be fair or amusing to have to jump through any more hoops with these guys.

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