BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-12
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This is regarding the dispute on the credit card ending in XXXX on, XX/XX/2018 @ XXXX Order # : ( XXXX ). This order was canceled on XX/XX/2018 this was when the refund was issued as cash when it was to be refunded back to the credit card. I disagree with the decision that was made to refund this credit back in cash. My reason for this disagreement has been as you can see the copy of the refund receipt is stating that the money was refunded back to me in cash, however I had never received cash for this refund order nor was the money sent back to the account. As I tried to resolve this issue with the store personally and it was told to me that it could take up to 30-days before the money would be back into the account. After 60-days the credit services issued the credit back to the card and once the money was sent to my account it was later removed due to Home Depot sending an investigation letter regarding charges that were under dispute after the refund date. My question is why would they issue a cash refund on such a large amount? When it should have been returned to the home depot card not in cash.

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 2020-10-21
Company: Experian Information Solutions Inc.
State: CA
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:
Both Experian and XXXX  lowered my credit scores by almost 100 points because I paid off my home mortgage in full in 2 lump sums. I have Congratulations letter from XXXX XXXX  congratulating me for paying off my mortgage. I don't understand why both Experian and XXXX  list my XXXX XXXX   mortgage account as derogatory and lowered my credit score by almost 100 points. I am currently trying to purchase a new truck and was notified that although I had been pre-approved prior that due to my latest credit score I was no longer qualified!! I am appalled that my credit score was lowered from XXXX to XXXX!!! 
Please help me.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TRANSUNION refuses to update XXXX paid charge-off accounts. On XX/XX/2021, I recorded Transunion XXXX XXXX on a recorded line verifying that the XXXX and XXXX accounts both have a " XXXX '' balance. After nearly XXXX minutes of conversing, Transunion agent refused to process my dispute or give me a confirmation number ( XXXX ) for my dispute. 

Transunion refuses to update the statuses correctly and has really caused my credit scores to suffer and credit denials to rise. 

In XX/XX/2021, I voluntarily paid XXXX chargeoff account XXXX XXXX and XXXX chargeoff account XXXX, in full. Since then, I have contacted XXXX & XXXX in vain on numerous occasions requesting that they either update their inaccurate data ( chargeoff status still remains ) or delete the account ( it is now paid in full ) that is currently reporting to the credit bureaus. 

Both companies have sent information that they are indeed reporting the status correctly.

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 2021-06-22
Company: Shellpoint Partners, LLC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My mortgage company ShellPoint has me on forbearance until XXXX When my husband returns to work I have reach out to the several time to have the open balance be added to the end of the loan which is one of four options Now, instead, I recently received correspondence that ShellPoint sold the loan to XXXX XXXX XXXX XXXX. 

Now XXXX sent me a correspondence stating they are a Debt Collector who is attempting to collect a debt Im confused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Servis One, Inc., Titusville, PA Branch
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PURCHASED HOME IN XXXX FOR {$39000.00}. REFINANCED IN XXXX WITH XXXX BAL INCREASED ON MORTGAGE TO {$76000.00}. ENTERED INTO HAMP AGREEMENT WITH XXXX XXXX BALANCE INCREASED TO {$99000.00}. XXXX SOLD MORTGAGE. 
BSI MORTGAGE SERVICER. DEBT FORGIVENESS OF {$44000.00}. WHY DID THE HAMP AGREEMENT INCREASE MY MORTGAGE AMOUNT? HOW DO I DETERMINE WHAT IS THE ACTUAL MORTGAGE BALANCE WHEN MORTGAGE SERVICERS CHANGE EVERY YEAR?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is the email i sent to chase addressing my unemployment deposits. 

On XX/XX/2020, Chase restricted access to my account under the information I was given over the phone by a representative that my account was closed. I was told a check was going to be issued to be within 7-10 business days. However, when I called back they told me that my account was under further investigation for my unemployment direct deposits by the NYS. I was owed backpay by the state and my unemployment benefits were released into my checking account on XX/XX/2020. The official record of this is attached. As there are also millions of people receiving backpay on their unemployment account, my case is nothing that should be flagged, and I am very upset that this happened. I have been hung up on by your customer reps, been transferred in circles, and it took me 5 hours to reach someone that could open up my case. 

Since XX/XX/XXXX, I have not been able to make a purchase for food, pay bills, pay for medical necessities, or any daily functions because I only have my debit card to use at the moment. With my funds being restricted without any detailed explanation, no letter, no phone call, nothing, I was left wondering what to do on how to access my account. I would also like to express that this investigation seems highly illegal under the given pandemic circumstances for those who are currently unemployed and receiving unemployment money deposited only to be restricted by CHASE leaving the person without any resources. 

This ordeal has left me in a XXXX XXXX and with the unknown future of how to retrieve my funds, I am left terribly upset as I am not able to purchase food or pay rent. I find this entire process of being bounced around from representative to representative, and even in an person visit to the CHASE branch in New York, to be highly unethical. Not giving a customer a correct answer and how to go about this and not lifting the restriction to ones own account is extremely wrong. 

Attached are the payment history that showed the date ( s ) that my back pay was released via direct deposit from the unemployment website. Please see if you can expedite my case and send a letter or call me with a follow up as I have yet to receive any explanation. I URGENTLY NEED ACCESS TO MY CHECKING ACCOUNT ASAP. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: MD
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:
My information was used to obtained services to opened an account ( XXXX XXXX XXXX XXXX that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. Experian, XXXX and XXXX is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed!

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Credit 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-09-09
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt collection on my credit report for two years i put multiple disputes in for it and still got no where. I called XXXX XXXX who told me i dont owe western union and sent me a letter to have it taken off and i dont owe them please take off my credit report asap. Case number is XXXX for the dispute i put in may that is still open and its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: WV
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:
The attached documents coming from your agency does NOT MATCH my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : US Bank. 
In XX/XX/XXXX US Bank was notified via email ( with attached digitized receipt ) and via phone that our property taxes had been paid. 

We were supposed to receive the refund in XX/XX/XXXX. 

Instead US Bank paid the taxes a second time, which is negligent! 

We have been waiting 10 weeks and have not received our refund of the prepaid taxes as yet. 

Please use your influence to get them to act, or else, I guess the next step is small claims court.

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 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I was in the process of making a deposit in a Bank of America ATM. In the process of making a deposit of approximately 30 checks the ATM shut down and rebooted. After the machine rebooted all evidence of my deposit was lost. 

I immediately contacted the number on the ATM machine to file a complaint. I was sent to the claims office where the person answering the phone told me the bank had no responsibility for this problem and that unless I could provide copies of all the checks they would not be able to help me. I have called the bank about this problem and explained the checks were in the ATM machine, I was told we need to look into this, no resolution or confirmation that the Bank has a responsibilty to obtain the checks from the ATM that was in a branch.

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 monetary relief
Consumer complaint received 2020-07-21
Company: U.S. BANCORP
State: TN
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:
I used SAFEDRY CAPET CLEANER 100 % SATISFACTION GUARANTEE to clean my CARPETS. Charge was to be 'Special 3 room 's {$99.00}. THE CARPETS WERE DIRTIER THE NEXT DAY AND THE CHARGE WAS {$50.00} more than quoted. I called XXXX the manager, he said they would be out to RECLEAN FRI AT XXXX. My yard man XXXX XXXX and I waited from XXXX. No SafeDry RECLEAN PERSON CAME. 
I CALLED FIDELITY CUSTSERVICE TO DISPUTE They said, CANT, HASNT POSTED NEXT DAY Fidelity : CANT DISPUTE HASNT POSTED STILL PENDING 5TH CALL TO FIDELITY OK DISPUTE FILED, YOU ARE FINE T W O WEEKS LATER AFTER MOVING TO MY SUMMER HOUSE IN OHIO, I RECEIVED A LETTER FROM FIDELITY IT SAID DID NOT MENTION EVER BEFORE FIDELITY SAID XXXX REQUIRES US TO HAVE YOU HIRE ANOTHER CARPET CLEANING COMPANY TO GET ANOTHER ESTIMATE AND SEND IT TO US, FIDELITY I CALL ABOUT THE LETTER, WHICH SAYS THE ESTIMATE IS DUE T O M O R R O W I CAN NOT I AM XXXX MILES AWAY AND WHY DIDNT YOU EVEN MENTION N THIS REQUIREMENT WHEN I FILED THE DISPUTE HE ANSWERED I DONT KNOW, XXXX JUST STARTED REQUIRING THIS NO, THATS A LIE, I CALLED XXXX, THEY SAIDITS A LIE

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 monetary relief
Consumer complaint received 2020-12-23
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:
I have disputed these same accounts last month. These accounts are not mine. Please remove them. I am not a credit repair company nor a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is report that XXXX XXXX XXXX XXXX credit card accounts of mine were settled in XXXX. The accounts were settled in early XXXX. This is damaging my credit score. The accounts are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX ( This account is being reported twice ). The other XXXX agencies are reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
Original " delinquency date '' for XXXX XXXX is XX/XX/XXXX. Three months later on XX/XX/XXXX this car was repossessed. As of XX/XX/XXXX, this account is 7 years old and should not be on my file any more. All Equifax does is add remarks to my file and the account remains on file. All the other credit agencies already took XXXX off but Equifax refuses. This is my second complaint about Equifax XXXX for different issues ) within the last four months. They should have no business storing people 's history if they can not operate within the law. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 recently checked my credit report and it stated that on XX/XX/2022 a hard inquiry was reported on my Transunion AND XXXX Credit report from XXXX XXXX. I DO NOT have an account on my credit report nor did I apply for an account with this company. I called Transunion in an attempt to get the inquiry removed immediately due to it being fraudulent. Transunion refused to remove the inquiry which is now hurting my credit report and credit reputation. THIS INQUIRY NEEDS TO BE REMOVED IMMEDIATELY!

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 2021-06-04
Company: EQUIFAX, 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 disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX yes or no did you have Relation with XXXX collection agency? Regarding the account listed above? They said you did and you said you did! See file For Additional information in your own words But they were unable to send me documentation to prove to me that had became owners of the accounts I want to also make your Institution fully aware since you were the original creditor you have violated the FDCPA by such actions as notify the credit bureaus! Failure to do so does and perhaps meet the criteria for deletion and I quote respectfully! The law is very clear. 
I will also need a copy of your contract between you and XXXX also a purchase agreement with a canceled check from XXXX as to How much the debt went for. Also all information that you forward to XXXX Regarding this account XXXX I give you 24hrs from the time you receive and finish reading this complaint I asked that you delete this account from my credit file. If you try to go back and add the information that was required of you you will suffer the consequences and I guarantee you the law is very clear in your bank has been around for many many years and you know the rules the loss that you must follow! Respectfully there will be no more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On my statement dated XX/XX/23, I exited an interest free period. Virtually all of my charges, not within interest-free plans, were entirely from the current period ; however, a small amount was not paid off on the prior bill. They did not apply the payment to the small old balance first, per the second part of " XXXX Allocation of payments. '' This caused an interest charge of {$160.00} because they took the XXXX daily balance owed for the entire interest free period and charged interest on that, despite the low amount still owed. 

More recently when I transferred the balance to get away from American Express 's predatory practices, they applied the balance FIRST to four plans that I had with 0 % interest, instead of applying the payment to the current balance due, which does have an interest rate. This is a direct violation of " XXXX Allocation of payments. '' Consequently, they're still showing that I owe the entire current balance, which will incur interest starting XX/XX/23 if I don't pay it off AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: National Bond And Collection Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collector called my personal cellphone in violation of the Telephone Consumer Protection Act. The debt is not mine, but for another with a similar name. SSN does not match. I never gave permission to the Debt Collector or to the underlying creditor to contact me on my cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: MD
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'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.

Company response to consumer: Closed with explanation