BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: IL
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:
CRA is in direct violation of FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, We refinanced our home with XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX. Our closing date was XX/XX/XXXX. We have an escrow account set up with XXXX XXXX XXXX XXXX, XXXX. Our loan is serviced by LoanCare LLC. 

Our School taxes for XXXX were due on XX/XX/XXXX. On XX/XX/XXXX I had contacted the XXXX XXXX XXXX Collector ( XXXX XXXX ) for a copy of our Tax Statement. That's when i found out that our School Taxes weren't paid and are now delinquent. I contacted LoanCare , LLC on XX/XX/XXXX and opened a case ( Ticket # XXXX ) with them. Since then I have contacted LoanCare , LLC multiple times via phone and secure message but as of XX/XX/XXXX our school taxes still haven't been paid. LoanCare , LLC disbursed a payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All 3 times the County returned the payment because the amount was incorrect. The penalty is increasing with every month that the school taxes aren't paid. 

Taxes Due as of XX/XX/XXXX : {$8500.00} Taxes Due as of XX/XX/XXXX ( including late fees and penalty ) : {$9800.00} If not paid by XX/XX/XXXX - taxes due will be {$9900.00} I want LoanCare , LLC to pay my taxes ASAP and only charge me the original amount {$8500.00}. The penalty, late fees and any other charges should be paid for by LoanCare , LLC because this was an error on their part. 

Please help me resolve this issue. 

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 2018-05-03
Company: Premium Credit Bureau
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
JP Morgan Chase Debit Visa Card ending XXXX http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX XXXX Invoice from XXXX XXXX XXXX XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX XXXX Bill Pay Federal Document XXXX XXXX Executive Office for Immigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX XXXX ( XXXX XXXX XXXX ). 
Electronic payment Receipt Acknowledgement - XXXX  ( XXXX ) Have No valid Ticket number - XXXX   member XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I went online at www.westernunion.com and requested an international Bank-to-Bank money transfer for {$160.00} to be debited from XXXX XXXX checking account and be sent to my brother in XXXX. They promised a 7 day completion time-period. I called them on XX/XX/XXXX and they said the settlement date would be XX/XX/XXXX. On XX/XX/XXXX I call Western Union again and they said that they show that the transfer was completed and to check with the receiving bank. I asked my brother to check and he was told by his bank 's remittance department that no funds have been received and they see this often where Western Union allegedly sends money but does not get to the recipient and it would be hard to get your money back. I called and emailed Western Union several times since and was given multiple cases ( XXXX, XXXX, XXXX ) and promises to investigate with no avail. I final asked for a refund and they stopped returning my emails and I get transferred all around the company when I call and get a new case number each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have tried to resolve the issue of the payment posting date with XXXX. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with rewards from credit card

Complaint:
I had two cash reward credit cards with Bank of America. Account numbers XXXX and XXXX. On each one they approved me a credit limit of {$12000.00} so I have excellent credit history. These two credit card I have been using for my everyday purchases so they have good cash back programs. I used these credit cards for several years and always paid them on time so they raised my credit limits to {$25000.00}. I was collecting my cash back rewards so I could get some vacation for my family for this coming summer. Last week I was trying to use my card ending in XXXX at XXXX gas station and it declined the purchase. I have called them and spoke with a representative XXXX. She was very vary rude to me and says that they resided to close my account because I did some irregular transaction. I asked about my cash reward balance and she told me that all my cash rewards got lost so they are not going to give it to me. I am checking my last six months history and I did my use my card at any other places that I am using always ( gas stations, restaurants and construction stores ). She also informed me that they put me on their XXXX list so they don't want to have relationship with me. Couple of months ago they automatically raised my credit limit because I am very responsible person and they see all my transactions and my credit history. Also besides closing my accounts they even blocked all my cash rewards they I have earned for all these long period of time. Please tell them to show you my whole transactions so you will see that all my transaction were done 99 % from same stores and nothing was irregular. I have enclosed copy of their letters that I have received yesterday.

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 2020-12-17
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
American Express is acting in an unfair and deceptive manner. I recently downgraded my card from a XXXX XXXX card to a XXXX XXXX card. I had been contemplating this move given my lack of recent travel due to covid. However, as I started to research earlier in the Summer, I noticed I was close to the $ XXXX spend threshold that allowed me to earn an additional XXXX MQMs. 

In late Summer, early Fall, I contacted American Express, inquired about my spend ( was told over $ XXXX ), confirmed I would still get the MQMs if I downgraded, and then after confirming both, I chose to downgrade to the Blue card. The MQMs never showed up in my account. I called each month around the XXXX when my earned regular miles would post, and was told I was good and the miles sometimes take a while ( up to 90 days ). The XXXX of XXXX was 90 days. 

When I call, American Express pushes me to XXXX. XXXX pushes me to American Express. Neither has resolved my issue. 

Additionally, when I called again today ( XX/XX/20 ), I was told that I did not meet the $ XXXX spend threshold. This would have been the first time in 4 American Express agents to tell me this, and run directly counter to what I was told when I downgraded my account. 

I am hoping you can help me get this resolved since neither American Express nor XXXX seem willing to take ownership of this deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received an alert regarding a collection on my credit report. I have a good credit and all my credit card, utility and other bills are paid automatically through my bank account. It says from Sequium Asset Solutions - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Phone numbers : XXXX and XXXX. The account # XXXX - {$720.00} for XXXX. This collection had been for 2 months, I have not received any letter from this company regarding this supposed collection account. I have XXXX XXXX XXXX XXXX for almost 10 years now. I disputed with Sequium, XXXX, XXXX  and XXXX that this is not mine and it's fraud, someone got my information fraudulently and used it to purchase or open the XXXX account. Sequium stated that this is my account but has not even given me anything that I have signed or agreed to with XXXX. Have called them daily from that time, can't get through, only forwarding voice mail but that it's full. This company is creating false accounts to get money from people and I want this taken off my credit report because it has already affected my credit ( 45 points down ). They should not be operating fraudulently and trying to get money from consumers like me who have always been paying on time. Please assist, thank you, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
with this company. In additionally, I have sent in a copy of my police report to XXXX, TransUnion, and XXXX. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item : XXXX XXXX XXXX Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX XXXX CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX  has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number XXXX # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by XXXX, Transunion, and XXXX listed on my report. 
Please remove incorrect personal informant XXXX : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.

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 2017-11-28
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XX/XX/2017, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.

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 2017-11-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This loan was taken out with Suntrust as a line of credit by a business that I used to own. I was offered so many products I was told my it was a business unsecured line of credit and my credit was not the applicate, but a singer CEO they have more than double the original amount and from XXXX to XXXX! The company went belly up and they came after me. They have called and harassed, turned my case over to a collection agency and the loan was originally taken out in XX/XX/XXXX.  Payments stopped in XX/XX/XXXX and now going on almost 14 years and I am still harassed via mail when I have requested after 7 years that they remove form my personal. they have again is is 14 years later, they bill me ever month and refuse to remove the debit from my credit. Per my rights it should be removed they had attempted to put a lien on my home which was made to be removed by the legal department and it shows a bad 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 explanation
Consumer complaint received 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have repeatly call and written XXXX telling them that I do not work for XXXX XXXX a nursing home. There is no W-2s, no Human Resources that will and can verifiy this lie. So I do not know how they keep saying verified. They keep constantly putting this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am requesting a modification with a 2 % interest rate. I have already submitted an application for modification and it has been over 60 days. Please process my application for modification and provide me with an approved modification 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 explanation
Consumer complaint received 2018-03-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check for approx $ XXXXinto the ATM, this check was from an out of state client and was drawn on another bank. Much to my surprise, I was granted full access to the funds which was a Saturday. I waited until Monday, XX/XX/XXXX to go to the bank and made sure the funds were truly available. The teller said it was available, all of it, I proceeded to take out {$2500.00} of the available balance in cash and went to another bank ( XXXX XXXX XXXX ) and deposited it into a said account that was the client 's sub-account. Later that day alarm bells were going off at Wells Fargo saying the check was being returned and I was out my {$2500.00}. That check should have had a hold of at least 2-3 business days to clear and not made available to me, the bank customer. This has caused me great distress. The client has not been able to be reached as there as out of the country for several months. At this point, nothing has been done by Wells Fargo to make this right. I have filed a Police Report with my Local Police force. They also agree the bank is at fault. The Wells Fargo Branch is known as the XXXX XXXX Branch in XXXX Md. I have attached the check in question and the deposit slips I received My contact there is : XXXX XXXX Assistant Vice President Branch Manager XXXX XXXX Maryland Wells Fargo Bank | XXXX XXXX XXXX | XXXX, MD XXXX XXXX XXXX Sincerely, 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 2018-03-21
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
I have tried to resolve the issue of the payment posting date with Bridgecrest. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.

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 2018-03-21
Company: U.S. BANCORP
State: WI
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 have contacted U.S Bank about this multiple times. I currently have an account with U.S Bank that I do not and havent used for close to a year. I had overdraft fees because I accidentally had a department store credit card balance get removed from my account. It oversrafted my account and charged me close to {$100.00} in fees. I deposited {$200.00} cash into the account because I did and do not have time to deal with closing the account. This put my balance around {$40.00}, so I knew I could sit there comfortably until I got around to closing it. I then received another almost {$100.00} in overdraft fees because they cashed a check for {$50.00} from my account that was over 1 year old at the time. They refuse to waive fees, refuse to close my account over the phone since my balance was negative from all of the overdraft fees, and I am worried they have reported it to my credit score. I have worked since I was XXXX to build up an impressive credit score without ever missing one payment. While managing investment property mortgages, multiple cars and credit cards very comfortably. I am extremely fed up with how they handled the situation, especially since l they honored a check from over a year before.

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