BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-23
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my minimum payment for this past month online. However, I was not only charged for the minimum payment once but twice. The second time it was cut as a check. I never authorized Discover to charge me twice or made any such arrangement. A Discover customer service representative agreed with me but I lost not only {$36.00} for the payment but I lost an additional {$37.00} because of an overdraft fee that was as a result of what Discover did. I have a phone recording of the Discover customer service representative agreeing that I never authorized the second payment, which she  agreed to be be recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home and closed with a lender in XX/XX/XXXX. At the time, I put 5 % down due to how much the home has appreciated since beginning the construction. Currently, the loan to value ratio is sitting at 72 % primarily due to the appreciation of the area. During closing, the bank 's appraisal came in at XXXX, however we owe XXXX. As a result, we requested US Bank ( who purchased the loan ) to remove the private mortgage insurance as we are well below the 80 % requirement. US Bank, despite having the appraisal on record from the bank they purchased the loan from, denied the removal. After being notified they are in violation of the Homeowners Protection Act of 1998, they stated " it is their policy ''. We submitted our request within the 90 days an appraisal is generally good for and will provide it to the CFPB upon request.

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 2023-06-13
Company: EQUIFAX, INC.
State: VA
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:
I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ) Account number : XXXX Contract XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked Ally for an escrow analysis on my mortgage account XXXX to be done as my escrow account had a massive surplus. In their recent analysis, they estimated my taxes as {$46000.00} so they could fraudulently keep more of my money in this high interest environment. This is despite the fact that they know full well my taxes are around {$32000.00}. Ally know this as they my paid my tax bill in XXXX XXXX XXXXXXXX for a total of {$31000.00} ( attached ). They gave me a {$4500.00} refund rather than {$15000.00} and they increased my mortgage payments {$500.00} so that by the end of XXXX my escrow balance will be over $ XXXX in excess again! Allow know full well my taxes can not increase form $ XXXX to $ XXXX, that a 50 % increase and that is not possible. Ally have done this to deliberately keep more money than required in the escrow 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 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I attempted to place a wire for {$5000.00} through the website for the bank on XX/XX/XXXX and got an error message twice, due to the urgency of the payment I payed via another method. I was surprised to find on the XXXX that 2 wires had gone through for a total of {$10000.00}. I promptly called the bank and was told it was a problem with their tech platform and that they would issue a recall for both wires. I followed up several times with them as this was a large amount and each time the specifically confirmed that both wires had a recall placed. Finally on XX/XX/XXXX {$5000.00} was returned to my account but the second wire of {$5000.00} was not refunded. I called the following week to ask about the second recall after the first had been issued and the agent let me know that it was still processing and that I just needed to wait. When I called again on XX/XX/XXXX I was then informed that the second wire recall that was mentioned in all the calls and the one I specifically confirmed and inquired about in multiple calls was never placed. That if I didn't make that call and had simply waited as instructed I would have never received back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In accordance with the Fair Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Purchased mortgage on property XX/XX/2004 Fifth Third Bank dont have any imformation. The title company. Where down payment check. Lot of lost of closing refinanced on XXXX XXXX. They had all imformation. Mortgage account no was changed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions 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 information does not belongs to me I have never done any business with these companies these accounts is 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 2019-06-03
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:
I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX 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 2019-06-03
Company: Credit Protection Association, L.P.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTOR KEEPS CALLING MY CELL 11 TIMES ( XXXX ) XXXX FROM ( XXXX, REF XXXX. HAVE SCREEN SHOTS AND VOICE RECORDINGS.

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 2023-01-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried multiple times to remove the Fraud Alerts and Extended Fraud Alerts that appear to be on my credit report. I assume they are on there because after trying to receive my free annual credit report, I get errors.

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 2019-09-08
Company: BARCLAYS BANK DELAWARE
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card balance transfer checks were stolen and then used without my authorization. I do not know who used it and how they got my checks.

The check was deposited into a Trucking company account that I do not know and can not locate that company either.

My credit card company is now asking me to pay for this fraudulent transaction.

Please help me as I did not use this check and did not authorize it either.

Thanks

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 2020-09-19
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested SLS to update my account status in XX/XX/2020 with all three credit bureaus, And as of XX/XX/2020 they have updated and removed the account in forbearance comment, however SLS reported the incorrect outstanding balance, actually reversing it from $ XXXX Balance to now showing $ XXXX Balance, a negative {$9000.00} difference and because of this my scores dropped 30 points with XXXX, 15 points with XXXX  and 20 with XXXX. 

I have confirmed with the bureaus the drop in score is due to the reverse of reporting a balance of {$370000.00} As of XX/XX/2020, to now reporting an outstanding balance of {$380000.00} on XX/XX/2020. When I actually have made payments of {$2900.00}, {$11000.00}, {$2900.00} and {$1500.00} Since XX/XX/2020 through todays date.

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 2019-06-03
Company: SIMM Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on XX/XX/XXXX I had a conversation with representative I informed to him that I no longer wanted to receive phone calls from them that I will contact XXXX and discuss this further with them only. On XX/XX/XXXX called me again then again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2020-09-19
Company: JPMORGAN CHASE & CO.
State: OK
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:
In XX/XX/2020 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX called ( targeted ) my XXXX  XXXX wife stating he could sell our unused timeshare weeks. She discussed the process with him at length and was told by XXXX that it would not take long to sell these weeks. After more than 2 hours of discussion and promises made by XXXX he pressured my wife to purchase their service right away. They made her sign a contract with both of our names on it, but never received both signatures of the owners. I was not involved because my wife thought the issue was resolved since we had not been provided any proof of services that they allege were provided. 
Going back to a week after the transaction my wife began to feel uncomfortable with the perceived deception she contacted XXXXXXXX XXXX XXXXXXXX and XXXX assured her that they would sell the weeks and to be patient. Still concerned that she was deceived she contacted Chase dispute office and opened a claim. After indicating to XXXX that she thought he was deceiving her, XXXX told her that the weeks would be sold within 90 days. Chase validated our home address every time she called and she waited for the correspondence, never to arrive. The Chase Executive representative stated it was not a Chase problem after leading us to believe they were working on it for 7 months. 

After 30 years as a customer I will be changing banks due to Chase allowing a company to deceive customers and Chase unwilling to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I deposit a check for my girlfriend because she is on vacation in XXXX right now and I dont know the rules. And later on Chase bank has sent me a email said my account will be closed. So I called them and went to the local branch. They said they need to get a confirmation from my girlfriend so they called her. But they said the number is not a verified number so they are not be able to reopen the account and let me get the confirmation even she comes here in person when she is back? And according to what they said seems the only thing I can do is to wait my account get closed and this check will be hold for 2 years? Is that even legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$110.00}

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 2019-09-09
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket mortgage has not payed my home owners insurance for 2019 enen thought funds are available in the escrow account. It was due XX/XX/2019. The insurance has canceled me. I have been notifying them of this issue for a week already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was recently denied a fraudulent charges claim on my account.. and there has yet to be a response or resolution I was told by a representative to provide proof of being in XXXX Illinois in which I reside, there were numerous purchases made in another state that I did not approve of or had any knowledge of when they occurred .I would like this to be reopen and resolved immediately Attached are my timesheets for the weeks XX/XX/17 XXXX XXXX I am currently employed at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please Feel Free to call and verify this information XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was open on XX/XX/2018 this is not my debit from XXXX XXXX please block and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX of XXXX : XX/XX/XXXX XXXX XXXX XXXX of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXate of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXXXXXX XXXX  of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2017-09-23
Company: Sterling Infosystems Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was applying for a job that did a background check they sent me a copy of the background check on XX/XX/XXXX and the information in the report is not correct and one of the reports on my record back in XX/XX/XXXX. should not have been there this company supposed to only go back seven years not something that happens in my pass that was supposed to be done as a juvenile record. then in XX/XX/XXXX, i have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Early Warning Services, LLC
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX XXXX XXXX all are reporting me to early warning systems and XXXX  I never opened any of these accounts and I am not able to open up a bank account due to these fraudulent accounts reporting

Company response to consumer: Closed with explanation