BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Two purchases were made on my prepaid card without my knowledge or authorization ( in fact, I had never even used the card ) : Case # Merchant Date Amount XXXX XXXX # XXXX XXXX/XXXX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$6.00} After discovering two purchases were made on my prepaid card that I had never used, I contacted the card company by phone. They asked me to fax them information about the transactions, which I did, and in response asked for additional information, which I again faxed to them. 
Finally, they mailed me saying that " your notice of dispute was received beyond the time frame allowed. XXXX and XXXX require notification within 120 days of the date the charge posted to the account. '' Unfortunately, my initial phone call was 122 days after the date. However, the stipulation of contact within 120 days is never listed on Terms & Conditions of the card ( which may be found at XXXX XXXX  XXXX ). 

I think that a fair resolution would be for the XXXX XXXX XXXX XXXX to reimburse me for the funds that were stolen, especially in light of the facts that : 1 ) I never used the card or left the card in anyone else 's possession, so the theft was not due to my negligence but rather a weakness in the security of their system 2 ) The card agreement never mentions the 120-day period that they now claim applies.

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 monetary relief
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: AE
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 was taking a look at my credit so I can begin to start looking for a home once back in the US and There are some things on there that are not mine. I have reached out to the FTC and reached out to my local police department, and I am doing this on my own behalf. I will be retiring from the military was trying to get things together. Please remove XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a victim of fraud by an individual posing as someone selling Sports Memorabilia. I paid him and I did not receive the merchandise. Chase refuses to honor my claim because I voluntarily paid him. They claim that it's my responsibility to work it out with the vendor who is in jail for fraud. Here is a story written about the vendor. Yesterday they reversed the credit previously applied to my account and I am now negative {$2000.00} and my mortgage payment is not going to clear. 

Here is the story about the vendor posted online. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Account information incorrect

Complaint:
XXXX XXXX posting Equifax has not stop reporting XXXX XXXX, XXXX XXXX and XXXX XXXX .multiple times and fraudulently stating XXXX the status statement that accounts were removed when the accounts are still on my credit report for equifax.XXXX XXXX is posting that the above accounts are removed But they are not. 
Secondly. XXXX XXXX equifax has removed current and in good standing account XXXX XXXX. I never said remove that good standing account.XXXX XXXX system is missing up my credit status and score eqyifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have tried to resolve this on multiple occasions. My XXXX account with XXXX XXXX  has been CLOSED with a {$0.00} balance for over one year. I have written a letter and filed online disputes to have the status changed from OPEN TO CLOSED yet this last time they updated the date of the latest account balance to XX/XX/XXXX and dismissed the issue at hand. My dispute could not have been more clear, yet unresolved. 

A message was added by your agency to my dispute resolution report regarding the XXXX issue. The exact message on my dispute report # XXXX that was supposedly resolved on XX/XX/XXXX was noted as " PLEASE CONTACT CREDIT GRANTOR AT XXXX " Since this phone number was different than the one for XXXX listed on my credit report of ( XXXX ) XXXX and because it looked odd the way it was noted with a minus sign before and after it and no spaces, I looked up the number online and it does NOT appear to be XXXX . I believe there is internal fraud/assistance for possible identity theft being perpetrated by directing me to contact this number which is fraudulent. If I am correct, your agency should be able to identify with audit trails who added this contact number to my dispute report and it will lead you to a criminal within your organization. 

This account is shown as closed at the other 2 credit reporting agencies and I contacted XXXX myself to make sure it is closed with no outstanding balance. I closed ALL my credit cards over 1 year ago. 

It is a simple fix which should only take one call to XXXX, yet for some odd reason, this has not been corrected despite my repeated attempts. 

I believe I am a target for identity theft so it is ODD and concerning this simple request has been dismissed and the unusual phone number I was given to investigate this further on my own. This is internal fraud in your agency, I am almost certain. Please investigate to protect me and the public. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Synovus Bank
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife executed a mortgage and loan agreement with Synovus Bank in XXXX, Alabama on XXXX XXXX, XXXX. We had no problems with the local officers. 

However, subsequent to closing we have received contact from XXXX XXXX XXXX from the loan processing department in XXXX ( two emails to me ) and XXXX XXXX from XXXX XXXX XXXX XXXX ( one call to my wife today ). These emails and call state it is part of the post loan closing review. 

They keep asking about the house I included in my bankruptcy which my wife had absolutely nothing to do with. She was not on the note for that home. I provided them a copy of the note which clearly reflects this. 

Lastly, XXXX XXXX has bought the loan and they were my lender on the house included in the bankruptcy. I am continually being questioned about a loan that was included in bankruptcy and I think that violates the current credit law. 

The bottom line is that I would like for the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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: Information belongs to someone else

Complaint:
I received an email from Experian XXXX my credit monitoring services ) on XX/XX/2020 about a new account that was added to my ; Experian XXXX XXXX XXXX reports from " XXXX XXXX XXXX XXXX Original creditor : XXXX, ACCT # XXXX '', which XXXX / XXXX has hired a second, third party collection company after this account was removed from the other third party collection company " XXXX  ''. This is a fraudulent account on my credit report. I am a victim of identity theft, I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services from " XXXX  '', " XXXX XXXX XXXX '' or " XXXX ''. This is my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA ( Fair Credit Reporting Act ) regarding your refusal to delete the FRAUDULENT account information from my consumer file. Your failure to REMOVE this account has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yes have complained about this numerous times. My home mortgage payment is supposed to be taken out of my USAA checking account XX/XX/XXXX of every month. It is XXXX XXXX XXXX 2017 and my mortgage payment has still not been withdrawn by XXXX nor USAA Federal Savings Bank. I just talked to USAA CEO 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly. When or is any Federal Action going to be taken to resolve this as it is unacceptable by all means for a mortgage payment of over 1200-US dollars a month?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had two accounts with Wells Fargo - one business, the other personal - opened in XX/XX/XXXX and they closed both in XX/XX/XXXX. I do not remember exact dates as this was a couple of years ago. When they closed the accounts, my money was returned to me and I inquired as to why they closed the accounts, to which the answer was, " We don't have to tell you. '' After arguing and getting nowhere, I just left it alone, until recently, as I'm having a hard time getting a business account. I'm just wondering what's causing this and no one seems to want to inform me or even have any information themselves. I visited a Wells Fargo branch onXX/XX/XXXXXX/XX/XXXX, where they had to call the back office, and still got nothing. Any assistance in this matter would be greatly appreciated. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 all three credit bureaus multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding XXXX hard Inquiries and two car loans on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC Identity theft report. Placed credit on a fraud alert. I have provided to them all this information and copies of the documents as well multiple times. They have n't investigation as they are support to in cases of identity theft. Additionally there are collections that were paid that should be removed from the account. I am requesting this inaccurate account is removed from all three of my credit reports TransUnion, XXXX, and XXXX Immediately! I would also like a letter and undated copy of my credit report once this has been completed.

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
over several months, i have contacted the credit bureaus stating that i do not believe that i was late on any payments and asked them to provide me with proof. they have failed to do so and have only sent me generic responses from their E-Oscar system. no one is actually doing their job in what i'm asking them to do ( properly show me proof ). in addition, there are some other accounts that i have asked for to be investigated and have asked for proof of a binding agreement, and again, they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for Chapter XXXX Bankruptcy in US Federal Bankruptcy Court in  Maryland on XXXX/XXXX/XXXX which was ordered discharge on XXXX/XXXX/XXXX. Case Number # XXXX. 

I included a Private Co-signed Student Loan via Citizens Bank serviced by XXXX XXXX XXXX XXXX. Due to my income, hardship, and no employment and on public assistance with not ability to repay this loan its was allowed in the listed of debit and creditors of my chapter XXXX bankruptcy filing and discharged. 

Both Citizens Bank the loan holder and its servicer XXXX have been attempting to collect on a discharged debit ordered by the US Federal District Court for Bankruptcy in Maryland. 

They have contacted me several times by phone which I had inform them it was discharged in Chapter XXXX Bankruptcy. They being XXXX and Citizens Bank also attempted by mail to collect on this discharged debit I started to keep record and they on XXXX XXXX, XXXX ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX to still attempt to collect on this debit. I have responded by mail and even demanded to cease the collection attempted and correct the collection and credit report records to XXXX and Citizens Bank on XXXX XXXX, XXXX by fax and US Mail to Citizen Bank and XXXX, and on XXXX XXXX, XXXX to XXXX again with their request form format. I then received a response from Citizen Banks by mail on XXXX XXXX, XXXX that they are ignoring a federal court discharge order and has stated that I still owe them the monies and need to repay and it was the Citizens Bank 's final decision on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hi I was advised that I can reach out to you regarding some things on my credit that are not mine. I went to apply fore. home loan and was told that I was not able to get in the program because of my credit. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. I want those accounts removed from my credit so I can move forward with my life Chapter XXXX Bankruptcy, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX end 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 2017-07-14
Company: WELLS FARGO & COMPANY
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Completed an international wire transfer to XXXX on XXXX/XXXX/2017 in the amount of C {$55000.00}. The amount sent in USD was {$43000.00}. Giving an exchange of rate of 1.292599. Historical data shows an exchange rate of 1.3249 on XXXX/XXXX/2017. There were no disclosures given to me our my company at the time of the exchange.

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 2021-06-11
Company: BSI Financial Holdings, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
BSI Financial is my mortgage servicer, I have tried to contact them many times to enter into a forbearance/modification. I can't seem to get a hold of the right department and or person who can help. When I get a person on the phone they say that I need to talk with the loan officer in charge of my loan. That my loan officer knows that I called and that they will call me back. I have not heard from my loan officer and am not sure what to do next. Please help! I need a resolution to this problem. I want to save my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My car was repo'ed on XXXX. The finance company has only sent me damages of end of lease. I have not received information about my car and personal property inside and how to get my property. Have not been notified of sale or anything else. 

Chrysler Capital - Santendar

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Perfection Collection
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Perfection Collection, also notated as XXXX was deleted from my XXXX report. It was reinserted and I was not notified by any parties. The credit bureaus must notify you within 5 days of the re-insert date. If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. 

Perfection Collection has failed to report my challenges as " disputed '' to all 3 credit bureaus, including TransUnion, for several months. A fine can be sought for each month and each bureaus for which Perfection Collection was and is in violation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: WV
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:
Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan 1 and student loan 2. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!

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 2022-03-15
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
UWM was the mortgage holder on my home in Florida, they then sold off the loan to XXXX XXXX and once XXXX XXXX took over the loan in XX/XX/2022, the monthly payments went from {$1500.00} to {$2700.00} ( I have a fixed interest rate ) after several phone calls to XXXX XXXX and UWM, I am informed that XXXX sent over a negative escrow amount to XXXX XXXX and UWM is claiming they sent {$2400.00} which they can not prove, I have documentation attached showing they sent a negative amount. 
In addition UWM charged my account {$7400.00} for flood insurance and the certificates for flood insurance was sent to them several times even when the loan was first started. ( see attached documents for flood insurance ). 
I have been paying XXXX XXXX but can not afford to pay a monthly payment of {$2700.00}. 
I have made several attempts to get my escrow refunded from UWM along with the refund for the flood insurance but NO ONE can help me they keep telling me a supervisor will call me back and nothing. This has been going on for weeks, They took money from me and was not warranted to do so. I have all the paperwork proofing this. How does this happen how does a company exist, when they are stealing money from their clients? I would appreciate some assistance some assistance in to get my money refunded back to me or to XXXX XXXX so my account is back to the normal and affordable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I used cash app to send money, it was sent to the wrong person and the person completed the transaction immediately.Cash app only allows you to request the money back from the person, which I did. The person declined me twice and kept my money that was not hers. Cash app provides no recourse such as stopping the transfer or requesting the money back for me. They were really of no help. I attached our correspondence and the evidence I have in regards to the transaction. I did file a dispute at my bank, they were of no help, they said they have little experience retrieving money from cash app when there is a error or problem. That I need to contact cash app, that is why I'm filling a claim here. Cash app should be liable for getting my funds of 150.00 returned. or have an immediate dispute button on their app for these instances that would have stopped the person from taking money that did not belong to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 a 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 non-monetary relief