BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Appraisal was completed on XX/XX/XXXXfor removal of PMI and came back with my LTV being 75.6 %. Company states that I need to have 75 % for removal of PMI when 80 % is the correct amount. Customer service supervisor mentioned I should file a complaint if I do not agree with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had borrowed sufficient funds to pay off the credit cards I had open with American Express. I contacted the company thru the customer service line. I spoke to the representative on XX/XX/2018, and determined that from his statements, and the billing statement that I had received, that the payoff total for the card was {$13000.00}. That total was paid to the company, that day, using my bank transaction routing, and I paid additional charge of {$9.00} to verify it was sent that day. This was due to the next day being the due date. A week later, I received another invoice from American Express, indicating I still owe XXXX. I reached out to the customer service line, again, and this time was basically told it was consistent with company policy to charge me interest, even though it was paid off. I am currently refusing to pay that amount, as I had already paid off the card a week previous, and on time previous to the next billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account was paid with a pay to delete. ( Agreement to pay account off in return to delete from credit profile )

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 2019-02-27
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 is missing that should be on the report

Complaint:
I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: NCB Management Services Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This matter started back in XX/XX/XXXX after I received a letter from NCB. See attached. 
NCB letter stating : Dear XXXX XXXX, Your XXXX XXXX XXXX XXXX XXXX accounthas been purchased by our our company, NCB  Management Services , Inc. Now that we own and service your account, you may be eligible for payment options that werent available before XXXX XXXX XXXX XXXX charged off an account. Since XXXX NCB has handled this as a debt collection matter and the account as a charge off. I replied to NCBs letter and requested validation disputing the debt and their failure to notify me writing within 5 days of the initial phone call NCB made in XX/XX/XXXX.I followed up again disputing the debt and the failure to provide written notice within 5 days. 

In XX/XX/XXXX Experian posted a notification, from NCB that the previous balance was reported as a new balance. On XXXX I was notified by XXXX that NCB was reporting my account as 30 days past due to XXXX. 

My complaint consists of multiple parts. 
1 ) NCB exceeded 5 days where a debt collector provides written notification to the debtor. 

2 ) NCB acquired the debt in XXXX from XXXX XXXX XXXX XXXX who charged off and continued to show as charge off through XX/XX/XXXX. Then NCB reported new balance activity and has changed from a charge off to a delinquent account for debt collection. Since NCB acquired as a charge off it is against FDCRA to report the same charge off as a delinquent account. The balance of {$3700.00} remains the same going back to NCBs XXXX letter. 

3 ) A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. Reporting old debts with false updated activity dates, may violate certain sections of the FDCRA. When NCB reported new balance to credit bureaus in XXXX they were knowingly violating FDCRA, by reporting as new balance. 

4 ) By NCB neglected to communicate in writing in XXXX at the same time they reported to credit bureaus. NCB has been reporting charge off to credit bureaus since XX/XX/XXXX. A charge off can not be reported as a new balance and delinquency 2 years later. I have not received any written notification, from NCB about a new balance or new activity. This egregious action by NCB denies me the right to dispute. 

Currently I added a security alert to my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: CO
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:
Equifax XXXX XXXX XXXX XXXX are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for bankruptcy and it was discharged XX/XX/XXXX. I have received at least two notifications from XXXX XXXX XXXX XXXX the letters include documentation from the original creditor Bank of America. The most recent notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I decide to look into why they were sending me this notices. I meet with a bankruptcy attorney and provided him with all of the documentation that was sent from XXXX XXXX XXXX XXXX. The attorney informed me that this is fraudulent because both creditor are documented in my bankruptcy and the date of by bankruptcy is not documented on the letters. He also inform to review any Liens or Claims on my property with the XXXX County Recorder of Deeds. After visiting the XXXX County Recorder of Deeds I discovered there were know additional liens or claims on my property other than my current mortgage 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 2018-07-10
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This creditor is reporting a paid and closed account with a XXXX  balance as an open account paid satisfactory with a balance of {$19000.00} on my credit report. I called them to inform them and they had the audacity to tell me to send them my credit report to prove this so they can dispute it or Id have to give them permission to do a hard inquiry on my report to see that they are reporting this wrong. I refused both options of course because that makes no sense. In fact all Pen Fed has to do is report the account paid and closed with a XXXX  balance especially when they show the account was paid in full and closed on XX/XX/2018. Its that simple. Credit bureaus only report what creditors send them not what they want as its a violation of consumer protection laws just like the company here is in violation for reporting inaccurate information in an effort to discredit my credibility with others. If they dont stop reporting this account as open with a balance I ask that it be reported to the FTC and they be charged for the violation. Theres no reason for me to send them anything as my business as far as this loan goes is done with them. I have kept up my end so they need to govern themselves accordingly.

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 2020-01-22
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD bank has double posted hundreds of dollars on my account leaving me with a negative balance. They are saying it is due to a system glitch and there is nothing they can do until it is corrected during overnight processing. I have spoken to reps and supervisors. Supervisors didnt even know who they were regulated by- so sad! Completely unfair and deceptive practices and to think this is happening in 2020! So now I am at their mercy for when I will have access to my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2017-08-03
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
For several months this spring I received emails from Sam 's Club/Synchrony bank telling me that I was to accept estatements and that I was not to receive any more paper statements. I did not accept estatements ; I checked my account on the website and it does not show estatements turned ON. I have not received any more paper statements for the months when I had purchases.
I received my last Paper statement for Payment Due Date XXXX/XXXX/17.
I did not receive a paper by mail or estatement by email for purchases I made on XXXX/XXXX/17. I did not know the " From and To '' date for the billing cycle for the purchases, and estimated that the payment was due on XXXX/XXXX/17. I did not know whether or not my estimate was correct. Evidently I was right, because a {$37.00} late charge was not applied to my Synchrony Bank card account for Sam 's Club.
On the morning of XXXX XXXX, 2017, I spent 2 hours on the phone with no results. I called Synchrony bank and got nowhere. The credit card company said I was supposed to be receiving paper statements. Obviously paper statements have been turned off. I can only go on the web site to ask for a " past '' paper statement.
I also tried to call Sam 's Club head office. I was given incorrect numbers by the local store. It took half an hour for me to get a number to Sam 's Club head office, but I never got through to anyone to tell them about the problems created by the card company for their customer : It is obvious to me that this is designed to create confusion for the credit card holder. People schedule payments from a statement where they can see the charge, payment due date, and a " from to date '' for the billing cycle.
Problem 1 : No statement means that people will miss a payment and have {$37.00} fee applied.
Problem 2. There is no " From To date '' for the billing cycle. This means that I can not tell the billing cycle that a purchase falls into, therefore I can be charged {$37.00} for late payment.

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 2021-02-25
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my identity was stolen I have been going through this issue for years

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 2021-01-21
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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2018-02-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went to XXXX XXXX onXX/XX/XXXX to refinance my house so that I can buy and investment house. I gave them all document they need. the same day they ask for it the got in with no delay in my part.

I told XXXX I had closing date was lawyer gave was XX/XX/XXXX with a 30 days more I extension which dateXX/XX/XXXX. I saw that we were getting close to the date, so I call XXXX and he telling me I had a modification loan years ago ( this was another night mare ) and it came up in the title and that I had to pay that back. Well XXXX knew this from the beginning. So the went and modified the problem. then started delaying more and more passing both closing estimated date. With no return calls and any feed back. I call branch manager and gave me attitude like I was wrong the nerve. I call and told them they need to call my lawyer for extension. They call my lawyer office and told them they need extension because I did want to close with the 6 % the were offering.

This is all a lie first they gave me a rate for refinance 4.1 and investment home 5.0 and I was ok with it. I then figured out the game they wanted to wait to rate goes up so that the can make more money off me.

Wells Fargo is the worst bank I dealt with, I need someone to investigated my account since day one I open a mortgage XX/XX/XXXX and to investigate the transaction that happen recently on XX/XX/XXXXto 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 2020-05-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold a book on XXXX to a XXXX XXXX XXXX on XXXX ; The transaction of {$240.00} went through Paypal and the after fees the amount of {$240.00} was deposited to my account. The transaction ID was XXXX. On. XX/XX/2020 While checking my account I noticed that this amount had been refunded to Mr. XXXX on this same date. I think that this transaction had just occurred or had occurred close to the time I found out about about it. I thought that this action was by some kind of hacker that had in some way gotten into my account. So I immediately changed my password and tried to inform Paypal of the unauthorized refund. I don, t know how successful I was about this because of the " virus '' I had to write up my complaint. During this last week Paypal has insisted.that I had made the refund and I insisted I didn't. I also pointed out I was out the book and the money. No one ever had asked for a refund or returned the book. Paypal couldn't really tell who had authorized the refund but said it was me..They never checked who they had sent the refund to. During this time they have stopped my complaint on their site. I found on XXXX the address, phone #, and Email of Mr. XXXX. I tried to call him but the phone had been disconnected and no answer to my E-Mail. ( .I also found an XXXX  in the past by XXXX for XXXX XXXX, not that this has any bearing on the present case. I did not authorize the refund of {$240.00}. I think Paypal did. I have not had my book returned. I want Paypal to refund my money-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX ) XXXX XXXX XXXX XXXX for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB

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 2018-03-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
mother deceased and someone received acess to her time deposit certificate that has no business and does not even know my mother i the executor and it was transfer from a bank in another county and then into his account and XXXX XXXX XXXX XXXX and then transfer to us bank on mom last statments there was around {$45000.00} and at the time of transfer it was done with a XXXX XXXX forged bankruptcy by XXXX XXXX XXXX who is the investgator for this area and it a been proven that he had us bank on a penal code 1155.200 2 % of my deposit in my own account with the wording of unavailabl ; e funds and i never saw them back into my account when i ask no one told me about this next incumbent b.s. the rules that i received say its for homeless people i thought you would be interested in these rules i will forwad them to you and fraudlant charges that the fraud dept credited and us bankl did not credit account they closed this account i have been very patient and i did not want to do this but i have no choice..

p.s social secuiry given to a unknown person as a domestic partnerwhich is social secuirty and the va also gave gi money that was my fathers and he is deceased.

respectfully 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 2021-01-27
Company: Advanced Collection Bureau, 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: Account information incorrect

Complaint:
This company is reporting a debt on my consumer reports that does not exist. After numerous disputes and a XXXX complaint, the company finally sent over what is has as validating documents and it is truly a joke. The documents show no proof that I owe the original creditor nor do they show exactly what this supposed debt is for. If this company had done a proper validation of this debt they would clearly see that the original creditor is overreaching and I owe them not one red cent and, if anything, they owe me money. I have attached what they have sent as validating documents and, as you will see, this company is in clear violation of several consumer protection statutes for the amount owed being reported. Business practices like this must be curtailed. It is truly disgraceful that this company calls themselves reporting a $ XXXX debt ( effectively ruining me and my family 's lives ) with the attached documents as their only validating documents. It's disgusting and shameful.

Company response to consumer: Closed with explanation