BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$6800.00} as well as reporting incorrectly that I am ( 120-180 ) days late on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full so the balance reporting needs to reflect {$0.00} due. Since this account has been paid, the lates that are reporting are incorrect as well. This false reporting of lates is seriously harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-11-02
Company: EQUIFAX, 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:
I mailed letters to all three credit bureaus on XX/XX/2021 to file disputes on incorrect information on my reports. Ive attached a copy of my XXXX letter as an example. I informed them of the incorrect information on my credit and requested that the items be removed, however I havent received a response from the credit companies within a timely manner which goes against their own company policies, and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: CA
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 mailed an addition to credit report letter to Equifax to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have an escrow account setup with mortgage lender ( Wells Fargo Home Mortgage ). The escrow account is setup to pay property tax and homeowners insurance. We, the homeowners, received a delinquent property tax bill for XX/XX/XXXX taxes, the invoice date is XX/XX/XXXX in amount of {$1400.00}. Apparently the lender did not declare our property as the lienholder ( this was revealed to us by the Board of Equalization 's XXXX XXXX XXXX and therefore did NOT receive our XX/XX/XXXX property tax bill. We were told to fax the tax invoice to our lender for them to process payment. Then, a month later XX/XX/XXXX, the lender notified us that they paid the tax bill and paid an additional {$280.00} for penalties/interest or loss of discount. We were then contacted on XX/XX/XXXX by the Board of Equalization that the lender OVERPAID the {$280.00} and is required to request a refund to put the money back in our escrow account. Meanwhile, the lender sent us an Escrow Review Statement showing we have an escrow shortfall and to either pay shortfall of {$1800.00} or receive higher mortgage payment amount ( from {$1700.00} to {$1900.00} ). We contacted the lender on three separate occasions to protest their overpayment of {$280.00} and to request not only that they refund us, but to also re-review our escrow shortfall. We can not afford for our mortgage to increase over $ 170/mo and we also expressed our concern that they were not shown as the lienholder on our parcel number with the XXXX County tax department which would prevent them from receiving future tax bills and paying taxes via escrow account. Is n't it illegal to collect escrow money and not be the lienholder on property. Wells Fargo has not only caused us distress with paying our taxes but has OVERPAID with interest of {$280.00} even though the BOARD OF EQUALIZATION CLEARLY STATED THERE IS NO INTEREST ON THE INVOICE AND TO ONLY PAY THE PAST DUE AMOUNT OF {$1400.00}. ATTACHED ARE THE DOCUMENTS..

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 2021-11-27
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a US Bank Debit Card, and checking account. My checking account keeps locking my card! I called in and texted the fraud number amd emailed to unlock my card! My card remains locked and the bank apparently is refusing to unlock it! Pardon my lack of proffesionalism but this frigging ridiculous I want my card unlocked, monetary compensation from US Bank or I'm going else where with my buissness as this is the XXXX or XXXXXXXX time my debit card has done this this is also the XXXX or XXXX cfpb complaint issued on this subject! This also happened when I opened by account in XXXX! As stated I called in, emailed and sent in the text reply! Your fraud system is beyond hindrance to your customers!

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 2018-07-10
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I borrowed {$30000.00} from my mother ( who borrowed from her investments ) to pay off my student loan and a consolidation loan. I accidentally sent the money to my daughter 's student loan on XX/XX/XXXX, which cleared on XX/XX/XXXX ( all XX/XX/2018 dates ). I called Wells Fargo claims department@XXXX and the claims dept. called my daughter 's student loan agency explaining what happened. The student loan agency told us that it could take anywhere from 30-45 days for the money to be returned. To be clear, the amount we are discussing is {$19000.00}. On XX/XX/XXXX, I decided to call the student loan company just to see where they were on processing this refund and they stated my daughter 's student loan is showing a balance due, so this was refunded. I called Wells Fargo claims dept. same day and was told that they have had the money since XX/XX/XXXX and she could not tell me why the money had not been deposited into my account. I called again on XX/XX/XXXX and spoke with XXXX ( Supervisor ) and he stated that he could not see why they had not returned the funds to me, but would have the money back into my account the same day. It is XX/XX/XXXX and I still do not have a credit of {$19000.00}. I am currently contracted to pay my mom {$500.00} every 2 weeks, which I have been doing, and my student loan is still outstanding and earning interest while Wells Fargo holds onto my money.

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 2018-07-10
Company: STERLING BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We filed a loan modification application which was deemed complete on XX/XX/XXXX. Per XXXX XXXX, they required thirty days to review the application before a decision was to be made. Mind you we have gone through this process with this bank before ; however, this time it was different because we clearly had a hardship -- we had to file bankruptcy on XX/XX/XXXX to save our home. Once the file was deemed complete, I contacted them at least once a week for the next thirty days to see if a decision had been made. On or around the end of XXXX, I contacted Sterling and spoke with XXXX XXXX. He was handling our modification. He told us it was denied because we failed to demonstrate a hardship ( basically our gross monthly income to mortgage ratio was at 26 % ). According to him, our ratio needed to be 31 % or higher. During the time our modification package was being reviewed, my husband lost his job ( document attached ). We decided to appeal and we had until XX/XX/XXXX to submit our appeal. The appeal required an appeal letter, along with the supporting documentation to support the appeal. I sent three documents 1 ) the appeal, an updated financial statement, and a copy of the lack of work letter. 
Sterling received these document on XX/XX/XXXX, and told me that they had 30 days to review the documents before a decision was to be made. Again at least once a week, for the next thirty days, I contacted them to get an update. Yesterday, on XX/XX/XXXX, I contacted Sterling again, and spoke with XXXX ( who handled our appeal ). She told me again they were upholding their original decision because we failed to show a hardship. She told me that when she  prepared the file, she removed my husbands salary, took our arreage and put it on the back end of the mortgage and moved it out from 360 months to 420 months. She also took into consideration my monthly gross income ( {$10000.00} ). Our mortgage payment is {$5000.00}. If you divide XXXX by XXXX, you get 49 % which is clearly HIGHER than the 31 % which is what Sterling considers the hardship minimum. 49 % ratio would qualify as a hardship under their own guidelines, but she told me that the " committee '' looked at the whole entire situation since XX/XX/2016 when we first fell behind on our payments. We fell behind because we have an ARM and our rate adjusted which DOUBLED our mortgage. My issue is that they have changed their rules and now I feel that this is personal. If the guideline says that 31 % or higher is what they considered to be eligible for a hardship and our appeal showed that the lost of income put us at 49 % then we should qualify. They have to apply the same rules to all applicants. This decision to uphold their original decision is purely a violation of their own rules and I would like the CFPB to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
XXXX XXXX score that's reported by my XXXX XXXX app, showed a 17 point drop within the last 30 days. I immediately ordered my credit report from all three agencies. Upon review I noticed some account inquiries that I did not prompt or authorize. 

I did not give permission, authorization or was aware Bank of America made an inquiry pulling/reviewing/requesting my credit history/report/information, Bank of America recently ( two weeks ago ) notified me that my home mortgage loan was sold to another bank. The transfer would take in effect on XX/XX/2021. I called Bank of America on XX/XX/2021. XXXX of my questions was 'did Bank of America do a credit inquiry? ' It was stated by the Bank of America representative " no, I don't think so '. I said well it's funny around the same time the mortgage loan was sold to another bank XXXX XXXX score dropped 17 points. I was advised to request a credit report. I replied I did and low and behold what do I see. Bank of America Account Review Inquiry made on XX/XX/2021. 

I was not aware Bank of America made a credit inquiry. 
I did not give permission or authorization for or to Bank of America to perform/request/pull/search/look into my credit.

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 2018-02-08
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company is Transworld Systems Inc In attempting to collect a tollbooth debt which I already paid when I went though the tollbooth with my XXXX, they accidentally sent me a bill/documentation for someone elses debt. I was shocked. I got a copy of this persons medical bill, their name, and their address, not to mention medial information about them. Its a total breach of this persons confidentiality and that is why I am filing this complaint. Totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: MRS BPO, LLC
State: GA
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:
On XX/XX/19 I received a letter identified as from XXXX XXXX  c/o XXXX, XXXX. XXXX XXXX, XXXX, MD XXXX that stated they regretted they were unable to approve me for the service because they were unable to verify my identity. I did not apply for a XXXX account, so this seemed odd. I have since contacted XXXX XXXX  and their Fraud Department twice @ XXXX & XXXX and I have been told both times that there was no application for XXXX in my name at my address or any application associated with my social security number and no XXXX account exist. They also said the address on the letter from XXXX XXXX, declining credit, is not a valid bank address. However, I later received a collection notice from MRS BPO , LLC dated XX/XX/19 stating the current creditor was XXXX, XXXX with a MRS BPO , LLC account number, last four digets of a XXXX account number, that I have now confirmed with XXXX is invalid, and MRS BPO LLC claims I owe a balance of {$800.00} for XXXX chargebacks. 
I sent MRS BPO , LLC collection agency a certified formal written dispute letter on XX/XX/19 explaining that I had been in touch with XXXX XXXX  and the fraud department at this bank, as well, and there are no XXXX accounts on file in my name at my address, as shown on their letter, that I am attaching for your review. They responded back to me in a letter on XX/XX/19with a description of three chargebacks with chargeback fees equaling {$800.00} and each of the three charges reflected a different e-mail address, none of which were mine, yet MRS BPO , LLC somehow has my name and USPS mailing address on file and attached to these chargebacks. I have checked all three of my credit reports and there are no inquiries on my credit reports that my credit has ever been checked by XXXX XXXX  XXXX or that I have any kind of existing XXXX XXXX account. I have explained to MRS BPO , LLC in writing that these accounts do not belong to me, however they have left them in my name on their last letter of XX/XX/19in another attempt to collect. Will you please investigate this, as I feel like it is some sort of criminal activity and MRS BBO, LLC is involved. I confirmed on the internet that XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is a valid address for MRS BPO , LLC, as shown on their letters. Please investigate and advise me of the next step in stopping this fraud and contact from MRS BPO , LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Ive attached a letter from XXXX/XXXX  sent themselves states that they are NOT reporting and delinquencies on my credit report, yet a late for XXXX is being reported to all 3 credit bureaus, I sent this same letter to all 3 and nobody has updated 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 2021-01-29
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
XXXX XXXX are refusing to pay for the filing fee and other payment to JAMS regarding the six pending demand for arbitration. 

As a reasonable accommodation regarding the terms and conditions I'm seeking for XXXX XXXX to make all payments in good faith regarding the terms and conditions of the arbitration agreement. 

Pursuant to the terms and conditions of the arbitration agreement this is a written request for payment of the filing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Diversified Adjustment Service, Inc.
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Ameritech Financial
State: IA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I got involved with Ameritech Financial to consolidate and repay my student fed loans and participate in the PSLF loan forgiveness program. I was deceived by Ameritech Financial who also has involved the XXXX XXXX XXXX XXXX who I have found is taking my money ... .not paying my fed loan at all. XXXX is also taking part in deceptive practices and I would like a full refund. 

Since finding out of these deceptive practices from the FTC, this is the reason for my complaint. I have also contacted XXXX on XX/XX/18 and was able to leave a message stating to cancel my account. issues a refund and stop all future payments. I have not heard a reply yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: CA
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:
Ive attached a letter from XXXX/XXXX  sent themselves states that they are NOT reporting and delinquencies on my credit report, yet a late for XXXX is being reported to all 3 credit bureaus, I sent this same letter to all 3 and nobody has updated my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I contacted two crypto financial entities Coinbase Wallet and XXXX XXXX XXXX XXXX regarding XXXX in the amount of {$290.00} in my Coinbase Wallet XXXX staked/deposited with XXXX when connecting Wallet  to XXXX governance platform online the staked deposit amount shows XXXX. I have contacted Coinbase Wallet support in addition to making compliant in reference to the following case # XXXX XXXX, XXXX, XXXX, and XXXX unsuccessful in getting a resolution. I have also contacted XXXX via email and messaging which states all though there are restrictions on trading and participating in governance if US resident you can still withdrawal staked deposited XXXX, however coinbase Wallet shows XXXX balance instead of {$290.00} deposit. I have also made complaints to XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX Consumer Complaint Case : XXXX Date Submitted : XX/XX/2022 and SEC Submission Number XXXX was submitted on Wednesday, XX/XX/2022 at XXXX AM regarding this serious matter with Coinbase Wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Kimball, Tirey & St. John LLP
State: FL
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 have reported this collection on my account as inaccurate multiple times. I have no knowledge of this debt nor this company or creditor. I live in Florida. This company is in California. I have made it clear that it is not my debt and it is affecting my credit score to the point where I can not get any loans during the pandemic. I contacted the company and was belittled and told to pay my debt. I would like this removed off my account as it does not belong to me!

Company response to consumer: Closed with explanation