BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted the customer service department to request an updated escrow analysls be completed as I would like my monthly payment to be below {$950.00}. I have an escrow shortage, but with the interest on escrow that was just deposited, this partial escrow shortage payment will allow the payment to be below {$950.00} if reanalyzed. 

I was advised that I couldn't request this on the phone and that due to guidelines, it had to be a written request sent to them with signature and reason and that they can deny my request if they want to. I would like to know where in the RESPA guidelines it states that the request for an escrow analysis must be sent in in writing? No other mortgage company does this. 

This bank is one of the worst that I have ever had to deal with. It took them almost a year for me to be able to see my account online. I still cant make a monthly mortgage payment on their website, when calling in to make a payment, they opt to read a disclosure the size of a small novella ( I have never seen this with any other bank ), and now just a simple request to ask that my loan be re-analyzed requires me to spend my precious time to write a letter and send it to them! I am really disappointed and would like their upper management to be aware of this board complaint as it didn't have to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Experian Information Solutions 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:
My exwife opened a XXXX Credit card in 2009 ( 3 years before we ever met ). Shortly after we met, she added me as an authorized user and I never even had a card. The three credit reporting agencies are claiming the was a jointly owned account and that when we filed bankruptcy, Im responsible for the debts on a card I never truly was responsible for, nor had I ever made a single purchase with it. Im trying to repair my credit and I dont need something that I was never responsible for being held against me. I have no documentation because I never had a card nor was I allowed access to the 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 2019-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I faxed in all necessary documents to Equifax to remove my security freeze including my SSN, drivers license and written memorandum. My mortgage company informed me of the security freeze and I was unaware because I never placed a security freeze on my account. Now Equifax is refusing to remove my security freeze and refusing to release any of my information to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I invested in concurrency XX/XX/2017. I used Coinbase as it is the lead US wallet for crypto. I made a decent amount of money, so i decided to hold and just use my wallet as a investment in case the price was to rise. well I had not touched my Coinbase accounts for almost half a year. When one day, I checked my bank account and saw that coinbase had charged me 4 separate transactions that totaled to $ XXXX. Once I saw this I logged into my Coinbase account on XX/XX/XXXX and saw that my currencies had been emptied and sent somewhere else and someone was able to use my card to buy $ XXXX in bitcoin and sent it also to a address. I have contacted coinbase and they act that they do not care. I get different answers every time I call and quite frankly it is something I consider quite serious. I lost about ~ $ 6K and they just say I have to wait for my support ticket to get looked at. I am not too sure if it was a hack or not. I have reason to believe my account was not actually hacked. I received ZERO emails for any transaction that happened. I received ZERO 2fa for any login attempts. This is why i have reason to think it may be fraud. It really is a joke when a company treats money with support tickets. It just seems like someone had administrative access to my account and misused it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: 1st Franklin Financial Corporation
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 information incorrect

Complaint:
My Account with First Franklin is Paid In Full with a XXXX Balance. However, it is not reporting that way to all three credit bureaus. Also, during the time my account was open, hard inquiries were placed on my credit file instead of soft inquiries on XX/XX/XXXX and XX/XX/XXXX, in which nothing was signed stating hard inquiries would be placed on my credit file. The first original hard inquiry was on 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 2018-04-20
Company: Experian Information Solutions Inc.
State: TX
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 do not require for my credit report to be locked. It is the responsibility of Experian to validate this debt based on original documention that you are required to keep on file per Federal Law to present to the alleged debtor ( s ) upon request. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is the consumers and is correct. In the results of your first investigation, Experian stated in writing that you verified that items XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX are being reported correctly. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my ss card, state ID and the name and acct nbr several times to Experian which is continuing to break the very federal law that was implemented by Congress for this very predatory business practice! Now additional information is being requested from me while the responsibility of the Credit Bureau to validate this debt ( s ) BEFORE unlawfully reporting it by Federal Law is being ignored.

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 2022-08-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX ( Loan XXXX ) appears on my XXXX, XXXX, and Equifax credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34.

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, XXXX, XXXX, & Equifax ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my XXXX, XXXX, and Equifax credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for XXXX XXXX XXXX XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received phone a phone call last week from Trans World Incorporated regarding a debt.  Informed them at that time that I was on medical leave with no income, would make a payment when able.  Received a phone call XXXX  from trans world on line XXXX  at XXXX and was hung up on.  Returned the phone call to that number and discussed again that a payment would be made in 5 weeks.XXXX XXXX receive an autodial call from XXXX, am identified and disconnected.  Return the phone call, am identified and disconnected.  Return the phone call, am identified and explain again that I have a XXXX account balance and am unable to pay until 5 week from today’s date.   The representative pressed for a payment today still and I again explained that I have a negative checking account balance and am unable to make a payment today.  I did offer to send blood.  I then asked the representative if they were allowed to “continue making harassing phone calls every 23 hours” and she informed me that she was allowed to call me every day to collect on a debt.  I asked her if she was familiar with FTC regulations and she informed me that “You and not the only person I call, Transworld is a big company with 1000’s of clients, I know what I’m doing”.  I told her she was ignorant, she asked me to stop using profanity, I explained that the word ignorant is not a profane word.  I asked her to identify the company she was calling on behalf of, she refused and transferred me to a team leader.  I spoke with the lead and asked her if it was legal for her company to call me every 24 hours if we had made contact.  She said it was not. I asked the lead if it was legal for the previous representative to use a threatening tone when demanding payment that day and she said it was not.I again informed her that I would make a payment in 5 weeks.  I was not offered a post dated payment option.  I was not offered a payment plan.   I was only offered / demanded payment in full today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed out my mortgage loan with Selene Finance when I sold my former house on XX/XX/2018. I was told by the closing attorney that Selene Finance would send me a check for the excess money in my escrow account within 20 days of closing. Selene Finance has confirmed that there was approximately {$4000.00} in my account but they have not sent it to me, despite numerous attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I have a credit card from JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB CARD with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days LATE. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have made many calls to USBank thought the years to request an explanation on why my balance Never goes down. On XX/XX/XXXX I called the XXXX to see why? my payment had gone up to {$240.00} when the usual payment was {$100.00}, at this point the recording told me my balance was {$16000.00}, when my statement states {$12000.00}. I spoke to XXXX from Loss Mitigation then she couldn't see my payment history and transferred me to XXXX at XXXX XXXX XXXX ( XXXX ) XXXX. She confirmed that the principal balance was {$16000.00}. I told her this was out of the question since I had been paying {$100.00} per month since I contracted and opened this equity line of credit on XX/XX/XXXX according to their statement. She said she would send it to get a investigation and allegedly took off a bunch of fees. I requested they review my payment and open the investigation. I waited the 7 days and no call no response the US Bank. Well they closed the investigation WITHOUT letting me know and when I called again to find out why they closed the investigation they said because of the fees they had attacked on. I requested the payment history and I only got payments from XX/XX/XXXX. I think they have cheated me with fees and have taken advance that I was laid off work they put a lean on my house which is now removed but they have a hidden agenda. I wonder how many customers have gone though a similar situation with USbank. According to their statement on XX/XX/XXXX I owed a balance of {$12000.00} and ( {$3100.00} ) in Fees. What is this about. I would like an investigation and a Fraud case opened on this fees and on this balance. Also they are hiding payments I have made. Why is it, that they did not, include those payments when I made a request of all my payment history? On their own letter it states in response to my request see transaction history since XX/XX/XXXX to XX/XX/XXXX However no transaction from XX/XX/XXXX are included if you see page ( 1 ) of ( 8 ) the transaction history USbank sent me starts on XX/XX/XXXX. What happened to all the transactions from XX/XX/XXXX to 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 2022-08-09
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed my mortgage about a year or so ago, and only 3 months from today ( roughly XXXX ) ago did I get notified by New Rez that I had funds in my Escrow they distributed to the state of Colorado of the amount ~ {$2300.00}. I have been trying since then, with their mortgage servicing department, to get the funds transferred back to me. They have failed to mail the check or deposit the funds via ACH after the initiation of the xfer was started, finally, around XX/XX/XXXX on 3 separate occasions. We are now on the 4th time where they retracted the statement it was going to be auto-deposited to my account, back too the mailed check has been processed. They continuously state the wait time is 7-10 business days. It has been 3 months. If I did the same to them, I'd be hearing from debt collectors. 
Instead of any productivity and transparency from either the lender or CFPB, I get to rely on this form in hopes of what, CFPB sending a strongly worded letter? This system is entirely broken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am in the process of trying to sign up for money transfer from my personal checking account on XX/XX/2020. This is for XXXX and XXXX. PNC is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: GOLDMAN SACHS BANK USA
State: AL
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 company is reporting an account on my credit report that is not mines i am a victim of identity theft.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was phished by someone fraudulently saying they were from Wells Fargo ( the bank I was using at the time ) and that I needed to transfer money from my account through XXXX to them. They claimed that there had been unauthorized charges to my account. They walked me through steps that allowed them to open a XXXX account in my name. I transferred {$1400.00} to an unknown person. Once the transaction was complete the phone went dead. I tried calling back but the number was disconnected. When I explained what happened to Wells Fargo I was told that a fraud case would be opened and the matter would be looked into. After 10 days they informed me that they will not be crediting the money back into my 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 2018-06-11
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 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 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 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 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 an 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 explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: NC
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:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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