BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were working with XXXX XXXX with US Bank on purchasing a second home in XXXX After getting pre qualified through XXXX with a 3.25 % interest rate we signed a contract for a home. We sent over the ratified contract to XXXX to lock in our rate and get the ball rolling on XX/XX/2021. On XX/XX/XXXX, XXXX 's assistant introduced himself and started requesting all of our financial information, personal info etc. On XX/XX/XXXX I asked a question, no answer. I reached back out on XX/XX/XXXX and XXXX shortly replied stating that XXXX would have to answer my question. I never heard back from XXXX so I followed up on XX/XX/XXXX, XXXX again replied and ensured me that XXXX would get back to me that day. Never heard from XXXX so I followed up on XX/XX/XXXX. XXXX didn't reply until XX/XX/XXXX when he said " There was a recent change in lending industry for 2nd home and investment property and regrettably I will not be able to give you the rate we originally quoted you, the rate for 2nd home is currently 3.625 % due to this new change ''. So I called around other lenders including US Bank and they informed me that this change wouldn't go into effect until XX/XX/XXXX. So I called XXXX 's XXXX XXXX XXXX and he informed me that if XXXX locked in my rate like he should have back on XX/XX/XXXX that this change would NOT have any effect on our loan or interest rate. XXXX XXXX cost XXXX {$20000.00} with this higher interest rate, he cost us valuable time for our closing and he also hurt our credit due to our new lender having to do another hard credit pull. Now XXXX 's XXXX is ignoring my calls and voicemails and won't call me back.

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 2021-02-03
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My complaint number XXXX was closed without explanation. The company stated that an attachment was available but there is no way to open any attachments. The issue is still unresolved and CashApp refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX checking account which I closed on XX/XX/2019. It is showing as account purged, I have no idea why it is showing as perged when i closed it voluntarily and I owed nothing to the bank. The bank needs to correct this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX i received a XXXX letter stating a cancellation of debt for a US Bank Credit Card. While i did have a credit card with US bank it was over 11 years ago. To my knowledge i paid off the debt and closed the card in XXXX. 
Receiving the XXXX and calling US Bank cardmember services the only information they could tell me is that it was " written off '' in XXXX and closed in XXXX. Which doesn't match my dates on when i had the card. I asked if i owed debt why this never appeared on my credit report or had any collections calling me, in which they could not answer. I also then asked for the card number which they gave me but said they had no statements that they could send me or information on the card or transactions as it was closed. I asked to show proof of this if i have to report it as income on my taxes in which they told me to hopefully i had some old statements. 
I feel this may go against the fair debt collections act and looking somewhere to get advice. 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 2019-02-21
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Based on previous complaints, now more than 60 days passed from the day I sent a certified mail asking for the validation of the {$50.00} debt validation. They haven't answered me yet! 
The last company 's response proves that ( 1 ) they failed to answer me after more than two months, ( 2 ) they never contacted me but they reported directly to the credit bureaus, and ( 3 ) they want to send me the billing not any validation!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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: Information belongs to someone else

Complaint:
I have never given any Consent to This open any Account with XXXX  I never open an account with XXXX Nor XXXX resource this account is fraud and i want it off my Credit 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 2017-08-10
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. Owner has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing distress as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: U.S. BANCORP
State: MA
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:
On XX/XX/XXXX I tried to register for a free trial course with XXXX To register, XXXX requires a credit card. XXXX DOES NOT SEND A CONFIRMATION EMAIL TO CONFIRM THE ACCOUNT. When I tried to register for the course moments later, I could not log in. When I contacted XXXX, they said I did not have an account. I could not take the course. I could not cancel the trial with in the 30 days. In order to reverse charges, they said I would have to EMAIL ALL OF MY INFORMATION. EMAIL IS NOT A SECURE FORMAT. THEY KNOW THAT. For 5 months XXXX charged me a fee for an account they said I did not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX i was approved for a {$5000.00} in store purchase loan to be financed at 0 % interest through XXXX XXXX Furniture through Synchrony bank, i spent the entire {$5000.00} in the store and paid my sales taxes with my debit card from my bank account so the taxes would not interfere with my loan amount, a month later XX/XX/XXXX i get notified that my credit score dropped from a XXXX to XXXX for a {$75.00} dollar charge called " called Card Security services '', i was given a toll free number to call ( XXXX ) as i spoke on a recorded line i explained that my credit score took a large hit due to them reporting that i went over on a {$5000.00} by {$75.00}, i explained to them that i didnt need credit card security because i spent the " ENTIRE '' approved amount in the store and paid my own sales taxes, i called and spoke with several people and explained the situation, this false reporting impacted my credit score and they have yet to inform the credit reporting agencies that they made a mistake, i have waited almost an entire year for this situation to be fixed and they have yet 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 2021-02-03
Company: EQUIFAX, INC.
State: MA
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 tried numerous times to get the closed account ending in XXXX regarding XXXX XXXX to reflect correctly which Equifax has failed to do. XXXX shows the account being closed in XX/XX/XXXX with no further activity. 

Equifax after a recent investigation on XX/XX/XXXX already reflected the next day changes that were erroneous errors. They showed the account with lates from XXXX XXXX XXXX and another charge off reporting in XX/XX/XXXX which makes no sense since the account was paid and closed in XX/XX/XXXX as will be shown from a picture took of the reporting. This account is paid and closed as of XX/XX/XXXX with no activity afterwards. 

Equifax has purposely tried to re-age this account to reflect negative activity after the fact it was closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/XXXX I attempted to get a loan and was not able to because I was not showing a FICO score, even though I have a credit card with XXXX XXXXXXXX and student loans with XXXX XXXX. I called all three credit bureaus, XXXX XXXX and XXXX to get the issue fixed. My creditors confirmed that they reported to all three credit bureaus monthly. However, that was some issue from the time that information left the creditors and was received by the credit bureaus as I saw that all three bureaus did not reflect that I have a credit card, student loans or both. Just three weeks ago, I was finally able to get this issue fixed by contacting XXXX XXXX and informing them of this issue once more. I now see that my credit card and student loans are reporting to all three credit bureaus. The mortgage loan officer was able to pull my credit again on XX/XX/XXXX and was finally able to receive a score from XXXXXXXX and XXXX. However, he is still unable to pull a score from Equifax. The corporate processor, loan officer and myself have all called Equifax to get this issue resolved. I just spent the past hour on the phone with a representative who was unable to assist and gave me a number ( XXXX ) to call and see if they could assist. The representative offered to give me my credit report. I told him that I could see my credit report on the Equifax website and do not need that information. I explained that I needed to figure out why Equifax was not reporting my recent information to XXXX XXXX. The representative said that he would not be able to assist me. I asked for a different department that handles credit reporting specifically. He sat silently on the phone for 10 minutes and then hung up. Attached is a copy of the report from XXXX XXXX that was pulled on XX/XX/XXXX. You will be able to see that my information is reflected with XXXX and XXXX but not with Equifax. Equifax has been the least helpful of the 3 for the past year and it has become beyond frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: IN
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 many mistakes appear in my report without my understanding.

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 2018-07-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a PayPal Cashback MasterCard credit card issued by XXXX XXXX. 
On XX/XX/2018, I tried to use my card for an online purchase costing {$0.00}. 
During checkout, MasterCard SecureCode failed to send the One-Time Passcode ( OTP ) to the email address I provided for the  transaction. 
Since it failed to send the OTP thrice, I had to cancel the transaction and use another credit card for the purchase. 

When I called XXXX XXXX Customer Service, they said I should call MasterCard Customer Service since MasterCard ( not XXXX XXXX ) failed to send the OTP. 
When I called MasterCard Customer Service, they said XXXX XXXX does not participate in the MasterCard SecureCode program.

In other words, they said I could not use the XXXX XXXX credit card for online purchases which required an OTP from MasterCard
SecureCode. 

So, I called XXXX XXXX Customer Service a second time for help with the issue. 
During the second call, the Customer Service representative : 1. first successfully verified the details I provided to prove my identity ( first & last name, last 4 digits of SSN, phone # on file, mother 's maiden  name, etc. ). 
2. then : a. refused to send a verification code by text message to the phone # on file. 
b. refused to send a verification code by text message to the phone # I was calling from. 
c. refused to send a verification code by email to the email address on file. 
d. mentioned he could send a verification code by postal mail but did not confirm if he sent it. 
3. transferred my call to a woman who said my account was blocked and would remain blocked until I proved my identity by : a. uploading a 5-second video of my face and the front and back photo of my Driver 's License at a verification web site. 

When I explained to her I had called to seek help with a failed transaction, she curtly said since I was talking to her over the phone there was no proof I was the account holder of the credit card! 
All this for a transaction involving {$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 explanation
Consumer complaint received 2018-03-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had 2 credit cards with the XXXX XXXX card. I had card insurance in case something happened and it did. I filed the proper claim with the card company. I was advised I would receive a letter requiring me to return I never received documents. I reached out on several occasions for documents and still have yet to receive.Insurance made 1 payment to 1 account and I filed for both accounts. I was advised I needed to speak with 3rd party company which was a collection company telling me my account have been charged off which should have never taken place. This is at no fault of my own. 
XXXX XXXX XXXX : has never made any insurance payments on my behalf documents always promised but never received was often told it would be emailed but nothing multiple points of communication requesting document noting provided.

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 2019-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with ( XXXX, Equifax, XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past.

I strongly believe that they are in violation of the Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my credit report and see an outstanding bill for {$610.00}. Also, never have done business with Enhanced Recovery Company XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Auto Trakk, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
The issue with Auto Trakk is the company took my car last year when I only had a balance of {$1000.00}. A few months before they took my vehicle, I sent Auto Trakk an affidavit asking for certified copies of all contracts, all invoices and payment transactions as well as all assignment contracts. About a month later I received a very unprofessional uncertified XXXX  spread sheet. Then a few more months later they took my vehicle. I only owed {$1000.00}. After paying nearly {$20000.00}. I recently contact Auto Trakk and asked them if they sold my vehicle they said yes they did. I was told they sold my vehicle for {$1000.00}. I know this is a lie. The vehicle is was worth at least {$4000.00}. I asked them to send me a certified document of all transactions from selling my vehicle including the final sell price. I was told I would receive it in 7 days. I waited that time and never received anything. So I called Auto Trakk and was put on hold for 62 mins.. I hung up and called the next day and every day since, no one pick up the phone. They have my phone number and do not answer when I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX XXXX, 2017 I got a free 7 day trial from Experian. it is currently the last day of the free trial and I have literally tried to cancel my account for the past 4 days. It is definitely a scam without a doubt. I tried online with no luck, I called the company over 50 times and they purposely hang up on you when you click the cancel membership option. I cant even believe they are allowed to fish people like 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 explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Attempted to cancel my account on multiple occasions in the last 6 months. I experienced hold times in excess of one hour and was never connected with customer assistance. E-mail to customer assistance never received a response.

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 2020-05-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with you guys about PennyMac and how they're trying to scam people into forbearance as opposed to payment deferment during this crisis. So I left a complaint with you guys and the next day for some reason they call me up to talk about it I just think it's kind of weird they call me to ask about a complaint I made this should be done privately I don't know why you share information with them I feel intimidated by them calling me up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I don't know who this company is. I can't dispute or try to attempt to fix something i don't know who these people are. Also, the amount is for {$590.00} for the dates of XXXX XXXX. I have had my identity stolen so i can't trust this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of 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