BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: MD
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 have contacted Equifax for months about the following inquires showing on my consumer file. I have contacted Equifax repeatly to remove these false inquires. According to FCRA all of the information is suppose to be accurate. 
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An apartment community called XXXX at XXXX XXXX in XXXX Texas sent me to collections without providing me a bill or notification of debt. I received no communication at all even though they have my email and phone number and I had left a forwarding address. The first that I heard of the debt was from a collections call. They are also attempting to charge me a XXXX dollar fee for not providing 60 days notice when I have written email proof that I most certainly did provide the notice and have an email of them confirming that 60 day notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: NC
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:
Experian and XXXX XXXX are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX XXXX that has {$1000.00} credit limit and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments 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 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacted XXXX and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX  deleted it because the could not verify this account and its time for the others to follow suit .... 

Transunion is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit Transunion is reporting {$0.00} credit limit XXXX  is reporting {$950.00} credit limit Transunion is reporting XX/XX/XXXX as the date of last active XXXX  is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and XXXX is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting

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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
ftc on accounts all XXXX XXXX XXXX XXXX XXXX XXXX all XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX  ( all )

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 2017-09-15
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to my original complaint and response from Citimortgage. See Complaints # XXXX and XXXX. Your agency 's records show my case closed although it really is n't because Citimortgage either lied or is mistaken in respect to accusing me of missing my property tax payments in XX/XX/XXXX. Citimortgage in a letter dated XX/XX/XXXX stated that they were contacted by the taxing authority that I was delinquent in my property taxes. This is not correct! The clerk informed me they do not contact mortgage servicers if taxes are delinquent. I live in a town of about 4,500 people and property taxes are collected semi-annually by the Town Tax Clerk contrary to many parts of the country where tax collection is performed at the county or state level. Furthermore, they will not place a lien on my property unless all resources are exhausted. Furthermore, the town benefits from tax delinquencies to some extent as they charge approximately 15 % annually on late taxes governed by legal statute. As I have explained in a prior note to both your agency and Citimortgage, Citimortgage either unintentionally or intentionally damaged my financial health by their actions. Since my original Citimortgage financing in XX/XX/XXXX and through XX/XX/XXXX I had never made a late payment. Citimortgage either through incompetence or they did this intentionally pushed me into default by charging me escrow. Despite being late there was no rational reason because my town does n't place liens on properties especially when they know there is a logical-financial reason not to allow the property to go into default. Citimortgage, if they were actually competent and understood true mortgage underwriting risk, would concur with the town because my mortgage debt is only equal to less than 13 % loan to value on a tax assessment value basis or a market value basis. Citimortgage has significantly impaired my liquidity and caused a technical default and is now trying to cover their tracks by lying that they were contacted by the taxing authority ( my town ). Exacerbating the situation is the transfer of Citimortgage loan servicing to one of the worse companies in the industry, XXXX. XXXX is now showing incorrect accounting records.
If needed I will resort to legal means. I 'm guessing, given the track records of these companies, a judge will wonder why Citimortgage is creating problems for a borrower when there were no problems. I 'm sure XXXX XXXX would like to know what happened also and will find a way to get this information to them even if I have to contact my congressman.

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 2019-12-13
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Professional finance has on multiple occasions inundated my personal phone with harassing phone calls in an attempt to collect, so much so that I have had to change my number multiple times to get it to stop.

XX/XX/XXXX-143 calls for two different collections balancesXX/XX/XXXX-87 calls for two different collections balancesXX/XX/XXXX- <25 calls for two different collections balances

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been a loyal customer of American Express for about 5 years. I applied and got approved for a Delta SkyMiles Platinum Credit Card from American Express on XX/XX/2020 ( reference # : XXXX ). When I applied for the card, the welcome offer was getting XXXX Delta miles after XXXX USD purchase, but within 2 days ( XX/XX/2020 ) I saw that the welcome offer was increased to XXXX Delta miles with the same spending requirement ( XXXX USD ).  I called American Express several times to match my welcome offer given that the change was made only within 2 days. However, they refused to do so. Other credit card companies such as XXXX XXXX XXXX have a 30-day offer match policy, but American Express here is being totally unreasonable. One of the customer service member from American Express was very rude and unhelpful, but a supervisor suggested that I make a complaint to CFPB to see if a higher-level office from American Express could do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am in process of purchasing house, currently under contract and was planned for closing on XX/XX/XXXX. I was estimating approximately XXXX to XXXX USD in closing amount that was supposed to be due on closing day. However, I received email on XX/XX/XXXX, XXXX and XXXX from " XXXX '' to wire transfer the amount prior to closing to allow closing process smoothly. I could not recognize it to be phishing attempt initially as I was using my cell phone to check emails and email address was named exactly same as the contact person from title company. I completed the wire with amount of {$93000.00} on XX/XX/XXXX and called my title company to confirm if they received the amount, only to figure out it was a scam. I have submitted fraud inquiry with both my bank XXXX and recipient 's bank Wells Fargo and it is under process but have not received back my funds yet. 

Upon contacting my bank XXXX, they state they have requested wire return request to Wells Fargo and we have to wait for them to return wire. Upon contacting Wells Fargo, they suggest I report to proper law agency for them to process the return of wire, which I have completed by reporting to IC3, but still have not received any reply on return of the funds.

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 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The bank of America closed down my credit card by receiving a miscommnication received by XXXX  and other credit unions. 

credit card : XXXX I am here to certify this credit card account was mine and I had already sent y ID proof and the Letter to bank of america and thinking issue will be sorted down. 

But later bank of america says that they cant open the account bank because it was closed down for invalid reasons. 

No bank of america lowered my credit score from XXXX to XXXX from XX/XX/XXXX  and now by closing this credit account they took back all my credit history. 

I request bank of america to reopen my account as it a valid account and i had been using this card account from XX/XX/2017

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 2019-08-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Bayview XXXX. By their numbers ( which are incorrect ) I owe about {$13000.00} in real estate taxes and {$2000.00} for insurance ( annually ). This is roughly {$16000.00} per year. 

They have been deducting {$1700.00} monthly for escrow which totals about {$21000.00} annually. After paying all taxes and insurance this year there was a remaining {$2000.00} ( roughly ) in my account. This actually means there will be {$23000.00} ( roughly ) in the account to pay {$16000.00} in taxes and insurance next year. This is an overage of roughly {$7200.00}. 

Since XX/XX/2019 I have been requesting a total escrow report. As of date, I have not received one. Further, since this date, I have requested the escrow be reduced given they are rolling over thousands of dollars. I was notified today that they will reduce payment rough {$200.00} per month or {$2400.00} annually. This reduction falls about {$5000.00} short of what is actually needed. I have been with Bayview XXXX for 2-years and escrow payments have gone up about {$800.00} per month since they took over the loan. 

My complaint is Bayview XXXX has negated payment reduction for 6 months ( since they want to put reductions in for XX/XX/XXXX payment ) and are charging exorbitant unwarranted escrow fees. Also noted is there has been a tax reduction on this property, not a real estate tax increase. Further, I am XXXX this year and real estate taxes are frozen in XXXX County for seniors. There is no justifiable reason for these fees given there are no increases anticipated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted the 3 credit bureaus regarding inquiries on my account that are not mine and without investigation it is closed within a few hours. It is unfair to have them on my reports which are harmful and unfairly lowering my score and any chances at home ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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 2021-05-24
Company: KLS Financial Services, Inc
State: NC
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 distressed that you have included the information below in my credit profile and that you 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. The following information therefore needs to be re-investigated.

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 2023-09-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Che systems is preventing me from opening a bank account. Im trying to fix what is wrong but I dont know how to. Please advise me what I need to do. 
Thank you, 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 2021-04-07
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:
While checking my credit report, I notice an account from XXXX XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BARCLAYS BANK DELAWARE
State: KY
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 did a balance transfer on XX/XX/XXXX for {$6000.00}, it posted to my account on XX/XX/XXXX. That balance transfer was deposited directly to my checking account as expected. I just received my statement from Barclays and I am being charged twice for the same balance transfer. The one that posted on XX/XX/XXXX and the second one that posted on XXXX ( both with the same transaction date of XX/XX/XXXX ). I only requested 1 balance transfer. I have only received one deposit of {$6000.00}. When I reached out to Barclays today to discuss they are telling me they only have 1 balance transfer processed, although they are charging me for two ( nevermind I only requested one ). 

They refused to place the transaction in dispute. They kept me idle in chats for over an hour and as soon as I didnt respond they would disconnect. I was told by the first person they would open a case. The second person I contacted said that person did not open a case and absolutely refused to address my questions or transfer me to a manager. They could never address why a second charge was posted. Just, sorry about that .... it must be on its way to you. A balance transfer that I did not request. I will repeat again, I only requested 1 balance transfer. I received 1 balance transfer. But, I am being charged twice. It is so obvious on the statement and the customer service reps are playing oblivious and refusing to protect my rights under the FCBA/FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Three months ago, I responded to a promotion for an American Express XXXX XXXX XXXX card that promised XXXX miles. I was instantly approved, charged and paid for the required amount for services and merchandises and paid the {$250.00} fee. When the promised miles did not appear on my statement after three months I called and was informed that I had not qualified from he promotion miles. American Express/XXXX  never informed me of this and I kept charging and paying for services and merchandise that I could have put on another card. I was also informed that I was ineligible to receive a refund of the {$250.00} fee. The person I spoke with at American Express is XXXX, his employee I.D . number is # XXXX ; his supervisor whom he promised would call, and never did is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been using The CCS Companies to try and collect an invalid debt of {$180.00}. They claim I had a XXXX XXXX  done on XX/XX/2018. I was informed by the provider that the XXXX XXXX being done that day was being done by an on-site lab as I had denied consent for off site lab services such as XXXX due to unpredictable cost and inability to pay. XXXX says I must take it up with the doctors office that ordered the test, however they gave me a badly butchered variant of the doctors name that the office didnt recognize at first contact. After finally getting the right info from the doctors office they informed me of other tests run that day which I did not consent to either. They acknowledged my lack of consent and have offered to open an internal investigation, which I do not accept as I do not trust any entity to investigate themselves. I have filed complaint with the state medical licensing board as a result of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation