BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: STERLING JEWELERS, 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 status incorrect

Complaint:
I went to pay my complete balance off at the kays store and i thought i paid everything off as what the company told me and at the same time i had just moved so by the time i got everything in order with my mail i recieved a collection for the amount of {$40.00} at that point i contacted kays and i spoke with them about removing the bad status remarks on my account if i paid off the balance with them they agreed and told me i just had to make a payment and that i wont have nothing effecting my score or my payment history and they have yet to fix they finally removed that i have a balance with them but they didnt removed some remarks and my payment history and its affecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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 status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was XXXXXXXX XXXX. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm here to ask for your assistance with regards to my dispute XXXX days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must 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 2022-01-10
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX y called me yet again after i callrd them twice and ask that the stop harassing me when i get a check i will pay i did sent XXXX dollars that was i can afford they keep harassing i want it to stop now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: CITIBANK, N.A.
State: GA
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:
The initial charge of {$99.00} was on XX/XX/XXXX. CITI took out this amount after I lodged dispute, and sneaked it back in on XX/XX/XXXX without notifying us. CITI told me when I complained that it is not over, it is still in pending, therefore, I sent CITI more document to prove my returning of all XXXX purchase. 

Citi no longer has a three party talk in place for a very bad reason. CITI finally said that they had to pay XXXX. When I called XXXX, not only she assured me that XXXX had not received {$99.00} from CITI, but also my XXXX account supported her statement. 

I have no doubt that CITI kept this money, considering CITI has never denied my accusation and there were few indications before as to how this would turn out. 

Most of all, CITI abolished a three party talk in resolution process.

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 2019-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax showing that I'm XXXX XXXX XXXX XXXX XXXX as in the fifth also requested to remove my freeze FTC new law saids they have a time frame it's been 3 weeks I'm sure it's not that long all FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
There was a previous complaint filed as follows, and a new problem with a double payment to the XXXX County Tax Office : 1 Previously, " AmeriHome Mortgage is not refunding me my escrow money. I refinanced my home loan on XX/XX/XXXX. The escrow was paid out by AmeriHome Mortgage, XXXX XXXX XXXX on XXXX in the amount of XXXX. There is a remaining balance of XXXX that AmeriHome Mortgage is due to refund me. AmeriHome Mortgage is not refunding me my money. The representative for AmeriHome told me that they sent me a check via an unsecured and untrackable mail meathod, and to no surprise nothing has been received. This problem is causing undue hardship toward myself and is unnecessary and unreasonable. AmeriHome Mortgage account # XXXX Thank you, XXXX XXXX XXXX '' 2. Update : I was promised on XX/XX/XXXX by an Amerihome representative XXXX ( a very polite and nice lady ) that a new check for {$2400.00} would be sent the next day via overnight mail with a tracking number. That never happened and was informed much later on XX/XX/XXXX that it was put into the regular, non-trackable, unsecured mail by accident. Amerihome has a questionable record with checks getting lost in the mail, but now I'm expected to wait patiently for 5-7 business days, to see if it gets lost in the mail again. 

3. Via XXXX County Tax Office, it is reported that Amerihome actually made a tax payment of {$6400.00} when there was a {$0.00} balance. There was a {$0.00} balance because XXXX XXXX XXXX made a payment on XX/XX/XXXX, almost a month prior. I informed the Amerihome Rep. XXXX of this situation. XXXX looked into it and left me a voicemail on XX/XX/XXXX. Incorrectly, XXXX said {$6400.00} was refunded to another Escrow company XXXX XXXX. After viewing the tax report and verifying with the XXXX County Tax Office, the money {$6400.00} was refunded to Amerihome XXXX XXXX XXXX, and somehow they don't know that. 

4. There is a clear disconnect with Amerihome and I'm requesting outside intervention, with regard to the escrow balance of {$2400.00}, and the double payment to XXXX County for {$6400.00}. 

Thank you, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2018-01-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was trying to link my TD Bank checking account with XXXX so that I can withdraw funds to my bank account but TD Bank is blocking XXXX from doing so. I attempted to conect the connect the account using my TD Bank web credentials but I receive an error that TD Bank is blocking me. I called the bank and they said they dont like coinbase.com and that is why I cant access it. The customer service rep at TD Bank refused to give me her employee number or any info on who she was. This is unacceptable as now my money is locked up in a website and I will be forced to move my bank account to another bank to get my funds. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Greene & Cooper Collections LLC
State: GA
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:
I sent Green and Cooper a USPS Signature Required, Cease and Desist Letter, to stop all forms of communication with me on XX/XX/XXXX order number XXXX. This letter was signed for by Greene and Cooper. I have now started to receive letters from Greene and Cooper again today 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 2018-01-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent $ XXXXCAD to XXXX XXXX Using my Pay Pal Account Transaction Details Transaction ID:XXXX XXXX XXXX, 2017 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX YOUR NOTE TO XXXX XXXX For the XXXX XXXX logo this is my grandpas paypal cause I dont have one I sent it in this not XXXX XXXX XXXX because he said so and I added XXXX $ more just for the trouble. 
The money was On the third time sent using friends and family pay pal will not refund even though the item was never received. I have requested XXXX XXXX To send four e-mails to XXXX with no replies. Requesting status and refund Grand son has also requested status via text messages and received no relpy. 

I feel we were scammed. 
is there any way to check and see if the money was ever picked up or XXXX XXXX logo sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20
Company: Big Picture Loans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
this ripoff loan company named big picture loans run by some XXXX tribe some where is sending me these pre screened offers every week even though I have opted out at all 3 credit bureaus 4 different times in one year. I have constantly contacted these people to take me off there mailing list and they always tell me that they do n't have to go by gov regulations because they are a federally recognized XXXX tribe. I do n't believe that to be the case. any one that would get a 843 % loan from a XXXX tribe is out off there mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are items in the Collections section of my credit report that are in violation of my rights under HIPPA and FCRA laws. Why is information about my medical history or anything about my medical providers being published. I have asked for this information to be removed several times. If not removed after this request I will proceed with legal process to sue as part of my legal rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
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:
Was hospitalized for an extended period In late XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.

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 2020-02-06
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Im a costumer of Discover card for two years And just find out they are taking advantage of me over charging my account with late fees when I always pay my account on time. Am not being reported late to the credit Bureau but discover card always charge me a {$39.00} dollars fee every month and its illegal for them to do so when and not late and appear to be late in the credit department, I just find out they been doing this for more than a year so I need your Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: BTS Motors, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX, I got a used vehicle at a car dealership by the name of Public Automotive in XXXX, Texas. When I financed my car, I was asked to pay an out of pocket down payment of {$1500.00} AND a car note which is a violation of my rights as a consumer as this was supposed to be a credit transaction. On hand cash was NOT involved in this transaction, and I have a bank statement/screenshot to provide truthfulness to this statement. Since then I have requested my contract not once, but TWICE and finally received a copy in the month of XXXX of XXXX. This copy does not coincide with an agreement done in good faith on behalf of not only me, but a numerous amount of consumers that could be harmed by their rights being ignored in the exact sense as I have.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-06
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
American Express has been calling me for years and will not stop, even though I have repeatedly asked them to stop. The calls stopped for a while, but they have recently picked back up with vigor. I want it to stop NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: BANK OF THE WEST
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had accounts opened in my name with banks. One of these accounts is with Bank of the West. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.

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 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This has been a identity theft

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 2018-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I sold my home XXXX/XXXX/XXXX. Bank of America Home Loans reported that my account was 90 days past due. Due to hurricane Irma Bank of America put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to Bank of America, XXXX, XXXX and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.

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 2018-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I was told by XXXX about the forbearance program with them and they encouraged me to take advantage of that program. I asked if I was going to face a huge payment and be forced to become current on payments at the end and was told NO, that since I had an XXXX XXXX, I would not have to make a lump payment, and that I would simply RESUME making regular payments to my mortgage, and that the money owed would be added to take back of my mortgage. 

I verified this with them every month. 

So in approximately XXXX, XXXX sold my mortgage to Carrington. Carrington contacted me and asked me if I was ready to start making payments and I said yes, so then they told me that I needed to pay them {$10000.00} ( approx ) plus resume making monthly payments. We agreed on a payment program of {$4100.00} a month for three months which would bring me current. I made the first payment on XX/XX/XXXX. Instead of taking one payment, Carrington took two. I asked for them to return the money to my bank. They refused to stop debit on their end and my bank refused to let me stop payment on a single payment, instead telling me that I would have to block everything incoming from Carrington. I did not have the money so I had to sell personal items to make sure the money was in the bank to cover the two payments. I had spoken to Carrington several times and was repeatedly told I would be contacted by a supervisor. This never happened. 

I was never told they had decided to send me a check via XXXX. I WAS told today that a check had been sent via XXXX  and that it was my responsibility to track that package down, not them. My bank account still shows two payments have been withdrawn by Carrington, each in the amount of {$4100.00}. Yesterday I checked my post office box in town and there was a notice from Carrington saying that I owed over {$9000.00}. I called today ( Monday, XX/XX/XXXX ), and I'm being told that I have been removed from the forbearance program, and that I owe {$9300.00} ( {$4100.00} x XXXX ) If positions were reversed, Carrington would be telling me that the issue of the payment return or receipt by XXXX would be MY issue, not theirs. I am simply asking them to check their records and see that the payment they sent me has NOT been cashed, credit that to my XXXX payment, return me to the forbearance program, and for this not to effect my credit.

Company response to consumer: Closed with explanation