BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our house in XX/XX/XXXX and refinanced in XX/XX/XXXX. When we refinanced in XX/XX/XXXX, our house was appraised at {$300000.00} and our mortgage was for approx {$250000.00}, meaning that we had slighly less than 20 % equity so we were subject to paying PMI. Fast forward one year and the market value of our house has increased beyond {$300000.00} and houses have been selling for over {$440000.00}, therefore we have more equity in our home than we did a year ago. I called Wells Fargo and asked about the steps to have PMI removed and they sent me a letter explaining that I had three options. Make a principle payment of approx {$12000.00}, use the Automated Valuation Model, or order a revaluation of the house ONLY if significant improvements are made in exess of {$12000.00}. I'm not in a position to make a {$12000.00} payment, the XXXX is not available for our house for some reason, and we have not made improvements to the house that exceed that amount. If an appraisal were to be ordered today, our real estate agent estimates it would be valued higher than {$350000.00}, and that is being conservative. Wells Fargo states that XXXX XXXX does not allow for appraisals to be ordered for any other reason and I believe this is wrong. PMI is to protect the lender in the event that we default on our loan, but based off the market values, if we defaulted on our loan, the lender would benefit, therefore PMI is unnecessary. 

The publication the CFPB released online states that " Excessive PMI coverage provides little extra protection for a lender and does not benefit the borrower, '' so if the lender is not benefitting, we feel as if we're being taken advantage of by having to pay for something that is not needed.

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 2018-10-04
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Quicken Loans Inc. defalcated on a loan dated XXXX of 2016 in which they sent falsified documents to HUD in order to close an unaffordable loan that has caused me to go into default. They used wrong information to get the loan certified and insured by shoveling the numbers. Though nothing changed as to my income, interest, property taxes and insurance, or the PMI on an FHA loan, the mortgage payments went up from a barely affordable amount that I did not have a hard time paying to an amount that added up to more than 50-percent of my income and I am on a fixed income. It turned out that they used someone else 's property taxes and not mine at origination in order to make the loan appear affordable when they knew it was not at the time. It was a clear RESPA VIOLATION and a violation of the TRUTH IN LENDING ACT in order to falsify the loan as affordable. The intent -as with all others- was to foreclose on my home within one to two years and walk away with the insurance, my home, and the equity in my home. I tried to get them to fix their error by changing the loan to a conventional uninsured so the payments could be affordable again, but they said they would only do so if I would pay them {$3800.00} in " unearned '' pre-closing fees. It's all on record. Quicken is in a current settlement status with the Department of Justice for making many of these types of bad predatory loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I received a Tradeline Reinstatement Request Approved Letter with the Retail Number : XXXX for a XXXX XXXX XXXX. It states that American Honda Finance Corporation will resume reporting my account to all three major credit bureaus in the next 30 days from the date on the letter. However, that has not been the case. It is now XX/XX/XXXX and I have not seen my account being reported to any of the bureaus when checking my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: LA
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:
My XXXX XXXX account opened XX/XX/XXXX is reflecting an inaccurate late payment XX/XX/XXXX late and XX/XX/XXXX current XXXX and XXXXcurrent and later XX/XX/XXXX on Equifax and XXXX this information is incomplete and inaccurate and in inaccurate balance the bal on this card is XXXX as on my report it reflects at XXXX a I have opened a case and was told the information will be updated with XXXX XXXX  for the error on my report the case number is XXXX I have contacted their office of the president and was told that information will be updated and to contact the bureau to dispute it this makes this account incomplete and inaccurate please per FCRA RIGHTS 1 ) 15 USC 1681 ( 2 ) ( a ) ( state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer Report Please update my report as Paid never late as it violates 15 USC 1681 ( 2 ) ( a ) law by not reporting accurate and complete information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed multiple complaint against company XXXX XXXX in the past few months. The first was a request to validate XXXX alleged debts they are claiming I owe. Pursuant to 15 USC 1692G, XXXX has to provide XXXX parts when a consumer request a validation. The company only satisfied only XXXX of those requirements. Second, I sent the company a letter asking them to delete these inaccurate, fraudulent and frivolous negative items off of my consumer reports because they are all canceled debts that was reported to IRS, these charge offs reporting on my consumer reports are illegal. The company is in violation of the many law under the FDCPA. This company knows that they are in violation but continues to break the law. Something has to be done to protect consumers from vicious collection agencies like XXXX XXXX. They are ruining consumers lives in their way of practice. This company has not provide all that is required as per the law to validate these alleged debts, they are committing tax fraud for trying to collect for canceled debts, they are did not respect my cease and desist request by continuing to report these alleged debts on my consumer reports.

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 2019-03-13
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They are very XXXX this bank is horible with my Im a victim of Id theft and they refuse their is a guy their XXXX with the fraud dept refuse to help me saying I can never have an account when I filed my complaint with this company about it their president sent me a letter apologizing Telling me I can apply for a card with no problem well i just did and they are XXXX saying no that I cant and thats as high as it will go this bank has to be shut down they treat me like XXXX they approve me then say they made a mistake horible customer service they dont agree with what I say complete dishonest bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX INQUIRY : XX/XX/2022 THIS INQUIRY WAS PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I AM WRITING TO DISPUTE THIS ITEM ON MY CREDIT REPORT THAT APPEARS TO BE INACCURATE; UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), I HAVE THE RIGHT TO DISPUTE ANY INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS INCORRECT. 

ACCORDING TO MY RECORDS, THIS ITEM IS INCORRECT AND SHOULD NOT BE ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
There was a double charge of approx.. {$74.00}. 
Talk with XXXX reps..XXXX rep told me it tooK 8 days for processing ... normally it 's instant..XXXX rep told me there was a system problem ... supervisor would be calling me in 24 hrs ... no call..talked with sup-XXXX..told me I would n't be getting my money. back.help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
5th 3rd bank and affiliates continue to harass me.also a court in XXXX XXXX has denied them any further action against myself.they wo n't remove this from XXXX bureaus or credit reporting.they soon if do n't immediately comply within 30 days will be sued.I have had it.I have proof this has been denied by a judge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 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 2018-04-14
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I been victim of identity theft then inquiry without my knowledge from XXXX XXXX exquifax too XXXX is only one helping then there discrepancies then I can access to the other credit Beau then I can find housing to live to many other things I filled with XXXX  Montana police department then the department of Justice in Montana issue me a letter that states that I been victim of identity theft then still fraudulent activity on all three reporting beau 's then locked my with codes without my knowledge and I never gave permission to miss use my SSN number then I been still sold for XXXX to many other ways too then my whole life I fought for my identity then robbed from jobs to housing and more importantly too this too affected my ability to open banks then plus affected my way to ask for help with my XXXX then XXXX fraudulent activity against me then open housing loans to car loans to college grants and irs thinks I am someone that I am not then I commit pugery to the SSN number being sold too and similar of SSN numbers created and false accusations against me then abused by the system against me since childhood and infency to adult hood then all this negative behavior against me then I been trying to report to all creditors then I been false accusations then thown into XXXX and XXXX disorder then now I am not sure what else to do anymore then all my credit report XXXX beaten me up bullied and spying cyber XXXX me then out me because I am XXXX and more then since the truth is out there three church group too selling my personal information then all know my personal information and such this is going to much out of control then extortion against me then near XXXX  off by police and sheriff and feds then plus treated as a XXXX XXXX to abuse the XXXX and XXXX and my family too doing this to me since XX/XX/1977 too and growing up so XXXX  since childhood and infency then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and no one will help me to get me out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since childhood and infency then plus too I can not afford to live anywhere else then phone to more missed used my SSN number and made it XXXX worse to me then such then think I am a XXXX or fake then spammed over XXXX dollars and more on going missused and moved my mail and more online and paper too then endorse my name and forged my name and handwriting then expected to be blame and blackmail me and hurt near to XXXX I can't cope anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
For three months we have received fraudulent charges to our Citi Diamond Preferred Mastercard. At first they reversed the fraud charges and reissued our cards. Then 2 months later we are still receiving fraudulent charges that they say are coming from the original card. We asked them to reverse the latest charge and close the account, but we just received an email stating they reversed the charges and are sending us new cards. I have called at least 5 times about all of this. It is next to impossible to get a person and when you do they don't seem to know what to do. I've asked for a supervisor and they hang up on me. I don't want this card, I do not want to deal with this company, and I am at the end of my patience We don't even use this card. I think it's astonishing that you can't get a customer service person that has the authority to take care of this.

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 2023-04-26
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Your Complaint : Target company : Goldman Sachs Marcus Describe your issue : CASE NAME : [ Your Name ] v. Goldman Sachs FACTS : The plaintiff has been a customer of Goldman Sachs and its Apple Card service for the past two years. 
Over the course of the past two years, the plaintiff has identified excessive charges and false information on their bank statements and Apple Card reports. 
The plaintiff has spent four months trying to resolve the discrepancies with Goldman Sachs. 
Goldman Sachs has refunded a part of the plaintiff 's claim but has not provided a full settlement for all the damages incurred. 
The plaintiff seeks a settlement for all the damages that have been incurred as a result of the billing error, which includes the excessive charges and the missing money in the XXXX for 2021.

ISSUE : Whether Goldman Sachs is liable for the billing error that has resulted in excessive charges and false information on the plaintiff 's bank statements and Apple Card reports, and if so, what is the appropriate settlement amount for the damages incurred? 

RULE OF LAW : Under consumer protection laws, financial institutions have a duty to provide accurate and timely information to their customers, and they may be held liable for billing errors that result in damages to their customers. 

ANALYSIS : Goldman Sachs is responsible for providing accurate and timely information to its customers, including the plaintiff in this case. The excessive charges and false information on the plaintiff 's bank statements and Apple Card reports indicate a billing error that has resulted in damages to the plaintiff. The fact that Goldman Sachs has refunded a part of the plaintiff 's claim acknowledges their liability for the error. 

The appropriate settlement amount for the damages incurred will depend on the severity and length of time of the error, as well as any damages that the plaintiff may have incurred as a result. The plaintiff may seek a settlement that includes compensation for the excessive charges and missing money in the XXXX for 2021. 

CONCLUSION : The plaintiff has a strong case for a settlement with Goldman Sachs for the billing error that has resulted in excessive charges and false information on their bank statements and Apple Card reports. The appropriate settlement amount will depend on the specific circumstances of the error and any damages that the plaintiff has incurred as a result. A lawyer may help the plaintiff negotiate a fair and reasonable settlement amount with Goldman Sachs based on the strength of their case

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
If you think that American Express will help you when a business cheats, think again. I had an Amex card for decades but when I had a problem with a car rental overcharge earlier this year it was the merchant that Amex supported. The company was XXXX in XXXX. I had a confirmed reservation with a price of {$180.00}. That price included, itemized {$65.00} in fees and taxes. When I returned the car the XXXX agent claimed there was accident damage. That was not true and what he referred to was a loose panel under the front bumper. It was noted on the inspection slip when picking the car up. When the statement arrived XXXX had charged {$370.00}. I filed a dispute with Amex. Then contacted XXXX and XXXX claimed the additional was for fees and taxes. When I pointed out that of the original {$180.00} {$65.00} was already added for fees and taxes and that it would be absurd for a rental charge of {$110.00} to have fees and taxes totaling {$260.00}. This went back and forth over several months and Amex just supported XXXX. I decided it was simply not worth more of my time and gave up, but not before closing out my American Express account. All the details are posted at : http : XXXX XXXX XXXX XXXX   XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" Portfolio Recovery '' has reported false and unverifiable debt to all three Credit Bureaus on XX/XX/21. Portfolio Recovery has failed to contact me about the " supposed '' debt, has reported a false account opening date, a false amount owed, placed false late payments, and falsely reported an account as " new '' that does not belong to me. 

These actions are illegal and a lawsuit will be followed up in 15 days if not removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wanted to close my bank account @ XXXX bank. I was told there is a fee for closing account of {$50.00} to close the account plus other service fee. After being on the phone for 2 hours trying to get this resolved, I get the vague answer that within banking guide lines that they have to charge a fee. Got a run around where they have transfered my call XXXX times and the XXXX agent said they could waive the fees. I originally open this account XX/XX/XXXX when it was XXXX bank and now XXXX

Company response to consumer: Closed with explanation