BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am XXXX XXXX military member with the XXXX XXXX XXXX XXXX. I have a checking account with USAA. On XX/XX/XXXX mobile deposits were made into my account in the amount of {$6500.00}, {$6700.00}, and {$500.00} for a total of {$13000.00}. The deposits were made by a " XXXX XXXX '' XXXX XXXX XXXX, XXXX GA, and the check was from a XXXX XXXX XXXX XXXX Account. I do not know XXXX XXXX, how she got my bank account information, or how the deposits were made. On XX/XX/XXXX, several debit withdrawals were made in increments of {$1000.00}, {$1500.00}, and three ( 4 ) {$2000.00} withdrawals for a total of {$10000.00}. The withdrawals do not provide any information about who withdrew the money from the account. The deposits of {$13000.00} were also withdrawn. I spoke with USAA reported the incident, it was investigated, and was told that they could not help me because it was a " personal matter. '' I also spoke with a legal assistance attorney with the XXXX XXXX and was referred to this complaint system with the CFPB. Any help in the matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have had a Heloc 2nd Line of Credit for over 10 years with US Bank. In the last few years, I have had some health issues ( all resolved thankfully ) combined with a change of my profession. This has caused some late payments. I was in the process of a loan modification with US Bank where I was simply asking them to review and make changes so that the payments were manageable. DURING THE MODIFICATION, process in the last 10 months, they decided to file an N.O.D. on the loan. This was WITHOUT any type of discussion or forewarning. This happened " 2 days after US Bank requested updated financials, et al, which I immediately provided. '' The next thing I know, I discover that the Notice of Default was again, filed. I was SHOCKED. 

I immediately made arrangements and made the loan current by paying {$13000.00} to cure the loan. 

Now, effective XX/XX/2021, the End of Draw period will occur. This means the payments will go from interest only to Amortized payments which will increase the payments drastically. I have been discussing this fact with US BANK for the last 2-3 months. I was told to apply for a new 2nd loan ... .. I have the loan application completed on the US BANK website, but I have not submitted. They have requested 2-3 simple documents which I have to obtain thru their website. Well, their website does not clearly provide those forms. I have called US BANK to ask questions and get more assistance however their customer service is non-existent. The banker, XXXX XXXX ( XXXX XXXX ) does not answer his phone nor has he returned my 4 voice mail messages. 

It's impossible with my work schedule to constantly call and navigate their system. I have gone to the local branches to get a face to face meeting with somebody in management, however, due to the Covid situation, the brick and mortar locations are not open for communications. They say to go on line. Hence my current situation. 

This is extremely unprofessional. I am a professional and would expect to be treated as such. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-03-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
TD Bank XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX This company has repeatedly contacted me after I referred them to my attorney. The last time they called was XX/XX/2018 at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: HireRight Solutions, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Hire Right Inc. XXXX/XXXX/XXXX case number XXXXHire Right will not correct dates of employment for XXXX XXXX XXXX. Dates of employment was XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, I never worked one day in XXXX XXXX and they will not correct it on my employment history. This error will effect my chances for employment. Instead of making information right or wrong they decide to take the side of the paying customer. I would like to see any proof that I worked one day for XXXX XXXX XXXX in XXXX XXXX, just because the pay period ended on XXXX not mean I worked in 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 2020-11-02
Company: AMERIS BANCORP
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi! My husband and I purchased a home in XX/XX/2020. We filed for homestead with our county tax accessor and learned that, due to my husband 's XXXX status, we are 100 % property tax exempt. We promptly sent this information on XX/XX/2020 ( and all requested forms ) to our mortgage provider ( Ameris Bank ) and after numerous calls ( 1-2 calls per month since XXXX XXXX, and speaking with numerous supervisors ( two separate supervisors in XXXX and XXXX XXXX, we have still not received an updated payment amount or the escrow refund that we were advised was due to us. Each call results in a " we are still researching '' and a different date the issue should be resolved. Again, this has gone on since XXXX and I do not know what else I can do at this point. I do not have the funds to hire an attorney at this time so any help would be appreciated! Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a high yield savings account with CIT Bank. on XX/XX/XXXX I received an email from them saying the following : Thank you for your recent application for a CIT Bank account. Unfortunately, after further review, CIT is exercising our right to decline your application for an account with our institution due to potentially high risk or undesirable activity. If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department at ( XXXX ) XXXX, Monday through Friday, XXXX to XXXX EST. I called the number above on XX/XX/XXXX to find out more about what they meant by, " potentially high risk or undesirable activity ''. The first guy I spoke to said that they could not verify who I was and that is why the account was rejected. I asked him with whom they tried to verify the information with so that I could contact them and correct any mistakes. His response was, " that is proprietary information that he could not tell me. '' I then asked to speak to his supervisor. The supervisor came on the phone and said they could only discuss what was in the email. I pointed out to him that the email stated, " If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department, '' and that I wanted to know more about how the decision was reached. He had the same reply that it was proprietary information. I asked him who I could escalate to next and he said there was no one else above him. I would like to know why they are not able to verify me. I have multiple credit cards, a mortgage, and savings and checking accounts with XXXX XXXX XXXX. I have also previously had student and car loans. I find it hard to believe that they are not able to confirm my identity and their reluctance to explain how they could not verify me is very troublesome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I called XXXX to ask why I was getting and bill back in XX/XX/14. Reported the account as Fraud and even stated the address that is on the billing address is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My card was lost and a fraudulent charge appeared on the card. Company recognized the loss and sent me a new card but refused to put into dispute the fraudulent charge because they could not " verify '' me. I spoke with XXXX whose ID is XXXX. Absurd that I am expected to pay a fraudulent charge because the company could not verify me when I complain about it. This is a process designed to avoid taking responsibility for fraudulent charges which the company MUST do under the Fair Credit Billing Act. They are breaking the law and should be admonished for this. If I report a charge as fraudulent, they MUST deal with that charge - they can not ignore my complaint

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 2019-11-05
Company: Comerica
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My direct express government card has frozen my account bc they suspected fraud. This was on the XX/XX/XXXX. They said it is suspended until I contact them but Ive called night and day, and have been sitting on hold for hrs until the system hangs up on me for a week now. Its the only income I have n my bills and rent have been due since the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 requested numerous times that and a XXXX be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.

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 2020-11-02
Company: Resurgent Capital Services L.P.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was reviewing my credit report to see where I stand on my attempts of home ownership and I see two delinquent entries made by LVNV. I attempted to find their address in Nevada and found them in South Carolina under the name Resurgent Capitol.

LVNV is a third party debt collector but I fail to see why are their so many names attached to my two entries and I am disputing the validation of the companies themselves. 
I feel there are some illegal debt collection activities here and asking on a debt collector license and if they are legal in South Dakota to collect any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX Account # 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 2019-11-05
Company: EQUIFAX, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 is negatively reporting to TransUnion and XXXX from an account that is 14 years old and was also included in my chapter XXXX bankruptcy that was filed XX/XX/2013. I know my bankruptcy is going to show for 10 years but XXXX is not allowed to negatively report separately from that. Also that old XXXX account is 14 years old and they are only allowed to negatively report for seven years in Oregon. I have disputed it over and over again and all they did was add some comments next negative reporting. By law this old XXXX account is supposed to be deleted but most importantly I am already getting negative reporting for the chapter XXXX bankruptcy which XXXX XXXX was included in in 2013 but they are reporting separately from that as well, which is hurting my credit twice for the same thing.

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 2020-05-20
Company: Experian Information Solutions Inc.
State: IN
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:
Last XXXX I needed my report unlocked. I lost my pin. Experian told me the charge was about {$23.00} to XXXX the paper to unlock. I paid it. Then they over night my credit report and charged me over {$30.00}. I never asked for a credit report. They charged me a second time for the paperwork to unfreeze my account. It took me over four months and over 100 hours on the phone to get my money back. To get it back I ended up filing a complaint with credit card company. Then Experian gave my money back. I filed a complaint with you ( XXXX ) in which I was told to call Experian. I had to work 90 hours plus a week and I am now getting back to this. I laughed at their response to call them. To placate the Federal Gov, I called and they said they would do nothing to help me with over 100 hours I spent on the phone to recover my money. Now I am coming back to the federal watch dog and asking why can a credit reporting agency quote me one cost, charge me more than they quoted, charge me again for the same thing I already paid for yet never received, them refuse to give me back my money until I start a complaint with the credit card company? Is all this agency will do is forward my complaint? Please do not accept have him get a hold of us because they will tell me nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit profile I noticed a collection from IQ Data Int.  They are collecting a debt for XXXX XXXX. per Account # XXXX I disputed this with XXXX  and XXXX  and I have not received a response from these two major bureaus. I sent a certified letter to IQ Data International per US Mail XXXX XXXX XXXX XXXX XXXX and it was returned as undeliverable. On XX/XX/2020, I contacted the company and spoke with XXXX. I explained to XXXX that they are reporting a debt I do not owe. I told her I don't no own a home or have never rented an apartment with XXXX XXXX. I asked her if she could provide me documentation of the debt which she refused. She told me to speak with XXXX the compliance manager. Over the next several days I can not get anyone to give me the information I requested. And I'm not sure if this XXXX guy exists. My research online shows thousands of complaints with this company over the same issues I'm having. I do not owe them over XXXX and this is affecting my credit scores. I never lived in the state of Georgia and I do not own a home. This is false and deceptive reporting. Please provide me with all the documentation you have with my signature proving I owe this debt. If no proof can be provide, delete this from my account.

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 2023-06-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There is a derogatory mark for the XXXX/XXXX  account for the only Experian on XX/XX/2022 as late payment. The other 2 credit bureaus : XXXX  and XXXX display " OK ''. 

Experian report display an inconsistency with report. I would like to have this updated.

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 2020-11-02
Company: ID Analytics, 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:
There are numerous discrepancies listed on my credit report that I have no knowledge of. This was a result of identity theft of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion is not following the FCRA guidelines concerning consumer accounts. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am concern as this has made a tremendous NEGATIVE impact on my credit reports. After disputing with XXXX XXXX, XXXX via phone, the representative stated they were a third-party company that has no documentation with my signature to provide proof to " any '' customer. They didn't remove the account. I had reached out to TransUnion XX/XX/2020, and XX/XX/2020, informing that I have no account with XXXX  XXXX, XXXX requesting them to remove the account. TransUnion " CLOSED '' the account but didn't remove the account. Not only " closing account '' is detrimental to any accounts of a consumer, but it gives lenders to think an individual can not pay their bills. TransUnion didn't delete an inaccurate and unverifiable account and couldn't provide proof to me in reference to these two accounts from XXXX XXXX, XXXX belongs to 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 2020-09-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX TX XXXX received Multiple Debt Validation letters. No response from the parties notice of default sent out Tender of payment sent out with 72 hours to respond no response sent out 10 day reminder send out 20 and 30 day notice of default and abandonment of vessel with foreclosure documents signed by state agent with invoice and fee schedule vessel donated to a trust and was stolen XX/XX/2020 at XXXX XXXX. Vessel taken by XXXX XXXX with XXXX XXXX XXXX XXXX Tx XXXX XXXX ) XXXX ( XXXX ) XXXX Vessel Belongs to XXXX XXXX XXXX XXXX and is filled and lien on XXXX Agreement with Secretary of State of Texas XXXX Secretary filing # XXXX the vessel is in the security agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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:
I recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to XXXX data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted

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 2020-11-02
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020 I used Western Union to send money to my fiance in XXXX. They would not release the funds until I answered all of their fraud questions. THEN they said sorry- we can not transfer funds to him and I will be refunded. The funds were deducted from my bank but never refunded. 
On XX/XX/2020, I spoke to the compliance department and was assured than my money would be refunded. 
On XX/XX/2020 I again spoke to the compliance department- they are unable to see any previous conversation AND states the money was picked up in COLORADO on XX/XX/2020. They transferred me to someone else who said the money was picked up in XXXX!!! I never received the usual email notifying me that ANY money was picked up ANYWHERE! 
Each of these representatives ended the conversation by putting me on hold for at least 30 minutes and never returning to the call.

Company response to consumer: Closed with explanation