BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: Statebridge Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need assistance with obtaining resolution on a late mortgage property tax payment from XXXX. 

My loan servicer was Statebridge mortgage company and my property taxes were escrowed and were supposed to be paid by Statebridge. My loan account showed that the taxes were paid and the money was removed from my loan account in XX/XX/XXXX and paid to XXXX County in XXXX of XXXX. 

I refinanced my mortgage and closed on the refinance in XX/XX/XXXX. In XX/XX/XXXX, I received an escrow refund from Statebridge. On XX/XX/XXXX, I received a letter from an attorney stating that my property taxes were late and that I was assessed fines in excess of {$640.00} for non-payment. 

I contacted Statebridge, in writing, 3 times with a notice of error. After not receiving any response, I began calling Statebridge and all they told me was that my taxes were paid. I finally got them to stop saying that the taxes were paid and then MIRACULOUSLY, they began to say that XXXX county RETURNED my taxes in XXXX and that's why I received an escrow refund. I asked for proof of the return payment and all they would give me is a loan history detail report. 

My new mortgage loan servicer paid the past due balance and late fees and rolled them into my loan payment, causing undue financial hardship on me and my family. 

I am not responsible for the late fees and would like to know if there is any recourse or assistance that you can provide in helping me obtain resolution. 

I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating that the property taxes for my home, XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), were delinquent. 

I logged in to the Statebridge Company portal and pulled up the account activity for XX/XX/XXXX through XX/XX/XXXX to see if the property tax funds were dispersed and allocated accordingly. 
The statement showed that on XX/XX/XXXX, there were two Tax Bill Disbursements. One in the amount of {$4400.00} ( XXXX County ) and the other for {$1500.00} ( XXXX County ). 

I then proceeded to log on to both county property tax portals to find that the XXXX County taxes were paid, but the XXXX County taxes did not show a payment. 

I received the letter in the mail on XX/XX/XXXX. I contacted Statebridge Company XX/XX/XXXX at approximately XXXX CST to discuss the discrepancy. The representative advised me that he showed that the property taxes were paid and requested a copy of the delinquency notice. Per his request, attached is a copy of the delinquency notice from the attorney and the XXXX County Delinquent Tax Statement. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX XXXX cell email : XXXX 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 2019-11-07
Company: Union Home Mortgage Corp
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:
I recently was in the market to buy a car and had my credit pulled for that purpose ONLY. To my surprise I have a " Union Home '' hard inquiry on my report as if I were buying a home. I do not know of this company nor am I affiliated. I need proof of authorization executed by me to have pulled 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 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 contacted MoneyLion 6 times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.

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 2017-12-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to Arizona Department of Financial Institutions, XXXX XXXX XXXX XXXXXXXX does not have a valid license to collect in the state of Arizona. I am disputing these accounts. 

I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX XXXXXXXX is allowed to collect debts in Arizona.

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 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 SUBMITTED SEVERAL COMPLAINTS FOR INQUIRIES LISTED ON MY CREDIT FILE THAT ARE NOT MINE, THERE IS A FRAUD ALERT ON MY CREDIT FILE AND TRANS-UNION HAS BEEN ADVISED TO REMOVE THEM AND THEY ARE DOING NOTHING BUT SENDING ME A CANNED MESSAGE SAYING THAT THEY ARE FACTUAL RECORD OF FILE ACCESS, AND THEY WILL REMAIN, THE FCRA STATES THAT FRAUDULENT OR UNVERIFIABLE INFORMATION NEEDS TO BE REMOVED FROM THE CREDIT FILE. 




XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX WHY IS THERE ANOTHER INQUIRY FROM : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX- THIS CARD WAS OPENED 5 YEARS AGO XXXX XX/XX/XXXX- SAME THING THIS CARD WAS OPENED 2 YEARS AGO, SHOULDN'T BE ANY OTHER INQ SINCE MY FILE IS FROZEN. 
XXXX XX/XX/XXXX- CARD IS 6 YEARS OLD, SHOULDN'T BE ANY OTHER INQ

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 2022-08-11
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First Progress Card was opened as a result of identity theft. I have placed a fraud alert on my credit reports and filed an identity theft report. I sent a dispute with my identity theft report to all three bureaus. I have attached the tracking numbers to my letters and the identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX all of them online collections gravel are account resolution services XXXX XXXX XXXX XXXX filed to the ftc

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 2020-09-11
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday, XX/XX/2020 my wife and I deposited a large personal check into our Package Money Market Savings Account at US Bank 's XXXX, Minnesota location. 

The teller put a large deposit exception hold on the deposit. While we did not need the money, we told the teller when she informed us of a hold due to the amount deposited, that her position was in error. 

We discussed Regulation CC governing the availability of funds deposited in checking accounts and the collection and return of checks and re-iterated that this was a savings account. 

We further explained that under 12 CFR 229.2 ( a ) ( 1 ) the term Account specifically excludes savings accounts. The tern does not include savings deposits or accounts described in 12 CFR 204.2 ( d ) ( 2 ) even though such accounts might permit third party transfers. 

We pulled up the deposit account disclosures on-line to try and figure out what kind of savings account we have and why it would be subject to Reg. CC holds but have been unable to figure out the why. The Funds Availability section of your disclosures indicates that, " the funds availability policy applies to deposits into both a checking account and a savings account. '' We do not understand why. 

The deposit contract clearly points out that " U.S. Bank reserves the right to require seven days notice before any withdrawal from a saving account, '' which is part of the definition of a savings account found in 12 CFR 204.2 ( d ) ( 1 ) and ( 2 ). 

Based on what we have read in the bank 's deposit account disclosures, it indicates that they have the right to delay availability of funds deposited into a checking or savings account made at a branch or ATM ; however, we are unable to locate anywhere in 12 CFR 229 where this is permitted for savings accounts, which also includes money market accounts. 

Both my wife and I are currently in the regulatory compliance business. And we have been in the banking business collectively for over 50 years. 

Again, we did not need the funds, so we were not harmed : however, when we attempted to file a complaint with the bank we were unsuccessful in locating anywhere online to complete a form. Because of this, we felt it was in our best interest as well as the banks to go through the CFPB. This appears to be a systemic issue due to the disclosures. 

Had the bank 's website been more user friendly and included an avenue for filing a complaint we would have gone directly to the bank. As it is, the website does not appear to have a portal for consumer complaints, which a reasonable consumer can navigate to ( possibly one click away - i.e. Contact us ).

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 2023-08-13
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a credit card account with Big Lots in 2016 my credit limit was very high. I also had an account with XXXX XXXX as well. I make my payments for both Big Lots and XXXX XXXX XXXX Comenity Bank for my payments. Big Lots I have auto pay and XXXX I have paid them off. Comenity Bank when asked about why my credit limit was lowered, XXXX XXXX of the customer service reps said to me, it was because of my credit score. I called back to see what another customer service rep would say if I asked the same question. The next time I called I got Destiny, who said that Comenity lowered my credit card limit because of my credit card score. Comenity teaches their customer service reps to LIE. It is funny when I paid off XXXX XXXX and I told the customer service rep to close it, because I really didn't like the makeup. The next thing I know they lowered my Big Lots credit limit, I thought that to be very odd. The LIE these 2 customer service reps XXXX and Destiny told me because of my credit score, when my score is over XXXX makes me very angry. I pay more than I am suppose to pay, and my balance doesn't go down much. By now it should have been paid off. Comenity is a very crooked bank to deal with and they teach their employees to tell LIES. From the complaints I have read I see I am not alone. They should be closed down from being unfair to the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Eagle Accounts Group, Inc.
State: NY
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:
There are some unauthorized accounts and inquiries on my credit profile that I NEED assistance in removing. Below are the list of accounts and inquiries, dates and times.

ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$15000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX  2 ) XXXX XXXX XXXX -AMOUNT {$1800.00} -DATE OPENEDXX/XX/XXXX -ACCOUNT # XXXX  END OF ACCOUNTS : INQUIRIES : 1 ) XXXX XXXX- DATE OPENED XX/XX/XXXX 2 ) XXXX XXXX XXXX  -DATE OPENED XXXX 3 ) XXXX XXXX XXXX -DATE OPENED XXXX 4 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 5 ) XX/XX/XXXX XX/XX/XXXX - DATE OPENEDXX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 7 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 8 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 9 ) XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX 10 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX12 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 13 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 14 ) XXXX - DATE OPENED XX/XX/XXXX 15 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 16 ) XXXX XXXX XXXX XXXX - DATE OPNED XX/XX/XXXX 17 ) XXXX XXXX   XX/XX/XXXX 18 ) XXXX - DATE OPENED XX/XX/XXXX 19 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 20 ) XXXX   XXXX - DATE OPED XX/XX/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 2018-02-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Been verified took {$1.00} from my account I immediately phoned my bank CHASE to let them know the transaction was not accurate, my bank was able to retrieve the XXXX back fast forward 3 days later the same merchant has taken XXXX from my account I filed a claim but the money could not be replaced because the merchant says I have a service with them which I do not. 
I don't understand why my bank CHASE would allow this merchant to go into my account twice after I called about this merchant the first time. Chase banks does not protect your money and to wait on hold to speak to nonchalant workers for a half hour at a time has been a complete waste of time and headache. Been verified is a scam well doing research on the company they have free trails so how was my card charged twice?! I have never agreed on there website for any monthly subscription besides what monthly subscription charges you 3 days later. This whole situation doesn't make any sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX i took at look at my credit report and saw an account that would like you to investigate, after you investigate this account of XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX ( XXXX ) XXXX please delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
refi lender is getting 90 point difference from XXXX  and transunionXXXX however getting correct scores from XXXX  XXXX. How can they get different scores than i can pull as consumer i should see what they see

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 2021-09-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The chargeback was initiated by a customer it paid me for non-refundable services the bank withdrew the amount of the charge back from my account and requested that I send in the supporting evidence documentation for the chargeback I submitted the paperwork over 15 pages to the bank twice exactly the way I was told to submit it and have proof that I submitted it before the required date and time when I called to check to verify that they received the paperwork I was told to submit it one more time which I have proof off as well then I called back to verify they received all supporting documents and I was told but they cant find them I did its too late I already lost the case because I didnt submit the paperwork on time I had to supervisor who told me to send him the proof that I sent the paperwork on time and that he would help me out well look into it I waited several days he never called me back I called them back and escalated the situation to even a higher authority was told they would call me back they did not call me back either escalated it a third time and Im still waiting for a response its their faultThe banks fault for losing my paperwork not mine I sent it to the appropriate phone not fax number on time and have proof why should I be the victim Im losing this money and now they wont even call me back every time I call Im told some lousy excuse and given the runaround please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file with Equifax. none of the data listed is correct on all 3 reports. this has caused a major delay in all approvals. please review an remove the information submitted to clear my report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Paid merchant for repair of equipment XX/XX/XXXX Advised merchant that repairs were faultly as systme not longer worked. 
XX/XX/XXXX Attempted repairs via walkthrough on telephone by merchant Unresolved and Merchant advised to bring in alleged faulty item back to store. 
XX/XX/XXXX Merchant advised that part was fine, I replaced the part into machine and still the machine would not work. 
Merchant advised that a home visit would be necessary XX/XX/XXXX Merchant unresponsive. 

XX/XX/XXXX Contacted Bank ( Credit Card ) for reimbursement XX/XX/XXXX Bank advised response from vendor indicated no record of my account being charged. I sent my statement showing vendor did in fact charge me. 
XX/XX/XXXX Bank sends letter indicating that I still have the merchandise and the matter was closed. I reminded the bank that my dispute was for services rendered that was faulty and NOT the purchase of goods. 

XX/XX/XXXX Contacted Bank Again to advise to re-open and re-investigate. 
XX/XX/XXXX No response from bank of htis date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 on my credit file report the following account on debt collection- XXXX XXXX   XXXX Collection Agency- Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Original Creditor- XXXX   XXXX I have never requested service with those company. This is a fraud.

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 2019-05-04
Company: First American Mitigators, PLLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My case happened in 2013 but I only heard about you now. I found " First American Mitigators '' as a law firm specializing in loan modifications. I contacted them, and based on our conversation, they agreed to take on my case, assuring me, that they would negotiate a loan modification with my lender, in order for me and my children to be able to stay in our house after my ex husband had moved out. 
I paid them {$5000.00}. Months went by without any news. They had also advised me to not pay my mortgage while the negotiations were going on. Every time, I called them to get an update on the situation, I was told to be patient and that they were working on it. A year later, I received a letter from my lender, notifying me that my property was going into foreclosure.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-13
Company: SYNCHRONY FINANCIAL
State: NJ
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:
This account is not being reported on my XXXX credit report and it 's affecting 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