BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: GOLDMAN SACHS BANK USA
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 status incorrect

Complaint:
My credit is to low due to some unpaid accounts when I have not opened any credit cards at all and I noticed this because I've been trying to apply for credit cards for first time and all have not approved me at all due to those accounts opened with my credit and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XX/XX/2018, I visited a TD Bank branch on XXXX and XXXX, XXXX, to convert money for an upcoming trip. I was informed that the rate was {$1.00} USD to {$1.00} EUR. I informed the representative in the bank that it seemed wrong but she insisted and stated that in addition I would be charged a fee of {$7.00}. I have no problem with the fee, I have a problem with the extra {$83.00} that I was charged. When I arrived at home I went on several bank and financial sites and saw that the rate on this day was {$1.00} US to XXXX EUR. So for {$400.00} EUR I paid {$490.00}. 

I immediately contacted the number on the back of my TD Card and was informed that they could not tell me the exchange rate nor could they do anything about it and that I had to call the number on my receipt. I contacted the number on the receipt given to me by TD Bank and while on hold it said TD Bank foreign exchange but when the representative answered and I informed her of the matter she stated that I had contacted the wrong number and needed to call the number on the back of my card. I explained that I had done that and was referred to her number for assistance I asked what the exchange rate was she stated that it depended on where I reside so she is unable to provide me with that information. Complete dishonesty and a runaround.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Our mother died, who lived at the address where services were bundled : internet, phone and TV were provided from XXXX XXXX. She died XX/XX/XXXX. My name was on the account as she was XXXX. I kept the service till XXXX of XXXX, as our brother XXXX brother still lived at the home and we were resolving their affairs. I attempted to close XXXX XXXX services over phone and then online the amount in question. I have the proof of the paid debt through bank and billing - statements that they were paid. I was assured that they would pro-rated and returned their equipment, XXXX, XXXX. I also went to XXXX XXXX XXXX, who also called XXXX XXXX on my behalf. But over the years they have kept changing my billings to different debt collectors. I am being billed {$350.00}. and now it is through a collection agency, TSI. I also have the correspondence from XXXX XXXX, where they credited me with a minus - {$110.00}, and no action required, sorry to lose you as a customer XXXX have several letters of correspondence to XXXX XXXX and their collectors, yet nothing has helped.I am XXXX XXXX XXXX and I feel this is a financial harrassment As I have tried to show that the debt was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: MA
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:
My wife and I recently applied to refinance our mortgage. While in the process of doing that we received an update of our credit score : It was 100 points lower than the last time we checked, which was in XX/XX/XXXX. This was received XX/XX/XXXX. 

Wondering why it had changed, I tried to access my credit reports online. I could not access Experian and XXXX, but I received a summary from XXXX, but not a complete report. This happened on XX/XX/XXXX. 

The XXXX  did not indicate ANY bad information, although it was missing a state of balance from XXXX XXXX in XX/XX/XXXX. Of course, that had been on the books since then. 

I proceeded to file a dispute about the credit numbers with XXXX, but the Website did not proceed past a certain point. 

Accordingly I called XXXX  this morning to dispute the item by phone. This happened today, XX/XX/XXXX. They simply cut me off saying this could not be handled by phone at this time. 

I also, and noted in a separate complaint, that I could not order a paper copy of my credit report either by the Web site or by phone, so I can not proceed with the process any further. This happened today, XX/XX/XXXX. 

Regarding Experian and XXXX  ... I could not even see their version of the credit reports online, nor was I able to dispute or call them successfully. 

Accordingly, the same complaint is being submitted regarding them.

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 2023-01-28
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wife passed away in XX/XX/2018 and I closed her acct. with XXXX and switched carriers but they kept billing me. My wife 's number was stolen and billing under known was happening. I contacted them constantly and they ignored me. My wife also had her unemployment benefits wrongfully stolen, and I reported that, and it was taken care of. Also, as of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX. I am on XXXX and have a limited budget. This debt should be dismissed on both counts. It is ridiculous. I have also sent them proof of my XXXX and issue and they have ignored me. Why am I being charged for this? It is bullying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: BANKUNITED, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is being serviced by XXXX XXXX My original loan was approved with an appraisal on my home that was done on XX/XX/2018. As of XX/XX/2018 I had paid down my loan principal balance below the required 80 % LTV to remove PMI. 

On XX/XX/2018 I requested BankUnited in writing to remove the PMI and they said I can not remove the PMI unless I pay them {$600.00} dollars for a NEW appraisal when my original appraisal was only 101 days old. 

My complaint is that BankUnited is in violation of the " The Homeowners Protection Act of 1998 '' by refusing to remove PMI with a valid appraisal on file with the Servicer. Requiring me to purchase a new appraisal for {$600.00} dollars is an attempt by the Servicer to prevent me from removing the PMI that I am entitled to cancel. 

I am asking that the CFPB investigate XXXX XXXX and my loan account to compel them to follow the law and remove my PMI as requested without having to pay them to do another appraisal as my current one is still valid. My loan # ends in XXXX at my property located at XXXX XXXX XXXX  XXXX, XXXX, WA XXXX. 

Thank you, XXXX XXXX Phone # : XXXX 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 2023-03-10
Company: CAVALRY INVESTMENTS, LLC
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 have disputed a few accounts on my credit report. Because they are not my accounts. and they have refused to take them off or said I have to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The Great Lakes ppl I have called multiple times! I did n't even know I had s defaulted loan! I pay all the other loans! Auto pay! So where is this loan! I ca n't find it and I could n't get a home loan!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I see inquiries on my credit reports that are not accurate and these inquiries were unauthorized by me. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified and unauthorized items MUST be removed. I have an inquire on my XXXX and Equifax Report from XXXX XXXX ( Bank ) on XX/XX/2021 that I need removed as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Resurgent Capital Services L.P.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I initiated a new home loan from Wells Fargo on XX/XX/XXXX. Property is in XXXX XXXX, NM. We were instantly approved and we made an offer on a home in New Mexico. My payment from Wells Fargo for the purchase of our new home was estimated at XXXX a month. It jumped to XXXX right before close. Our movers had our furniture, we had nowhere to go or live and no choice but to sign. Had I been given these figures prior, I would have chosen another lender and canceled Wells Fargo. Speaking to local lenders they would NOT have estimated our taxes that high. Property taxes were estimated at 3 times the amount set by county. 3 times what had been estimated when the loan process started. I tried to ask them for help and Wells Fargo said said to let the title company handle it. ( I have the emails ) .The title company and assessor office both verified the amount of {$5800.00} due XX/XX/XXXX and {$5800.00} due XX/XX/XXXX was NOT a figure that they came up with but it was per the lender WELLS FARGO. The estimated taxes for the ENTIRE YEAR given to me by the assessor office was XXXX. I have the document from the assessor 's office to prove it.Wells Fargo is charging me XXXX a year with a huge escrow payment of {$970.00} a month. It is ridiculous. I tried to contact them since we signed to get them to update it. They said I have to wait. It is unfair lending practices for them to refuse to update the tax amount. I realize our home is new construction but they are charging me a fortune and I have no idea what will happen when the tax bill is due in XXXX. The amount due is {$1800.00}. I have proof of that as well. NOT {$5800.00}. What are they going to do with my money. At this point I do not trust them and need help. I have the emails where the reps from Wells Fargo told me to talk to the title company that they had nothing to do with the set amount. It is not true. The tax assessor and the treasurer both told me they can not give amounts that do not exist. They can only give accurate amounts like the ones they gave me. The title company told me they can only have me sign the documents provided by Wells Fargo. Wells Fargo doesn't care that I am being charged 3 times the regular amount. I have checked the taxes for everyone with the same house as mine in the my neighborhood and all are around {$3900.00} for the YEAR. I am attaching the copy of the taxes from the county.  Please let me know if I need anything else. I have the names of the reps as well as emails from them with contact info. I have included my mortgage statement as well.

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 2020-09-10
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX, My account was not made accessible to me, when the bank claimed that my signature looked different from that on my ID, thus, I let the account close in good standing by yielding my deposits in my account. 

Fast forward to XXXX, I went in person to the bank in order to re-establish my account with the bank. Upon arrival to appointment at the bank, I felt very much rushed in the process in the gathering of my information and then I was told that somebody would get to me by the end of the day in order talk about my account after she Sends my information down. 

At the end of the day the bank representative called me and told me that she had not received any notice about my account from whom ever shed sent my information to, and that she would call me the next day with an update. 

The next day came and I heard nothing from the bank at all. The next morning I went into the bank at open and was treated very rudely and was told immediately by the representative that said claimed to be working on my account told me almost immediately without taking me into a private area that they werent going to be able to open my account. 

I spoke with the bank manager as to why, she claimed that had trouble verifying me in their system even though I had all my legal documents with me for her to check. I have had two name changes for business/ entertainment reasons and the bank had been made aware of one of the changes. 

The bank made me feel as if I were a criminal for changing my name and for having lived in different cities. 

I am a business woman and not a criminal and its belief that the bank acted on personal feelings when dealing with the re- establishment of my account and were discriminatory as well when they told me to go back to the bank that I have a present active account and keep banking with them. 

I hope that you can help me with this issue because I feel like I have be discriminated against because of my personal beliefs.

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 2023-01-28
Company: EQUIFAX, INC.
State: CA
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  AV XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Synovus Bank
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, my husband and I applied for a mortgage loan through Synovus Bank. At that point we opened an online access to track the progress of our loan. We also submitted the requested paperwork. On XX/XX/2019 I reached out to our contact officer ( see below ) asking for progress on our loan application and received no response. On XX/XX/XXXX, I received a text message from her explaining she was out sick and would get back to me shortly. Still no information was provided. On XX/XX/2019 I texted her again with no response. On XX/XX/2019 I decided to call them and leave a message to her ( XXXX 's ) supervisor. That same afternoon, I received a call from her. At that point she finally sent me an email with information about XXXX XXXX XXXX XXXX XXXX ( XXXX ) and how to register. Upon taking our class this saturday XX/XX/2019 we learned we had to submit a complaint seeing that we feel that there has been a break of communication between this bank and us. There was no further follow up or plan so we can fix or obtain anything else needed. 

XXXX XXXX Mortgage Loan Originator SYNOVUS MORTGAGE XXXX XXXX XXXX XXXX XXXX, Fl. XXXX C : XXXX XXXX NMLS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: AR
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'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXX Opened XX/XX/XXXX Balance {$420.00} XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX Balance {$3100.00} XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$1700.00} XXXX XXXX XXXX XXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX  XXX Opened XXXX. XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: AR
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've contacted all 3 credit Bureaus about this XXXX XXXX # XXXX start account that's inaccurate on my credit report. I've also contacted the creditor which is XXXX XXXX about the account, I have asked the creditor and the credit bureaus for proof of the account bearing my signature of the account, I have asked for the original sign contract which I am allowed to see if its my account, the account is being reported inaccurate and I've repeatedly asked for copies of the original contract that has my signature on it they have failed to do so ... I am by law entitled to see the copies for the contract from the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had the previous report ( XXXX ) with CFPB on XX/XX/2020 from a debt collector agency named XXXX, they claimed that I owe XXXX $ XXXX dollars which is not true. I have multiple phone recordings while speaking with XXXX and they have confirmed is their mistake. since the report XXXX has ceased collection with their office. I now started to received another Debt collector agency name Diversified adjustment service sending me letter saying that I still owe XXXX {$400.00}. like i stated on my first report my XXXX service was canceled under 30 days customer stratification warranty! I am very tired getting harassed by one debt collector after another, I will be filing my case with court after this report being done, these fraudulent action should not be tolerated in the US.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: WY
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  ; Experian and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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