BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank purchased my mortgage from XXXX XXXX. With XXXX XXXX, we paid the yearly insurance and property tax ( escrow ). US Bank set up an escrow account and raised our monthly payments at an amount of twice the known amount of taxes and insurance, refunding us XXXX dollar for XX/XX/XXXX. For the year XX/XX/XXXX, our taxes and insurance increased by XXXX dollars.  US Bank increased our escrow to reflect the Exact amount needed for taxes and insurance ; however, decided to charge us an additional XXXX dollars a month to " build in a cushion. '' After being hung up on, transferred and speaking to two different supervisors in two different departments, they both told me that " it is their right '' to " build in a cushion ''. How is it ok for a bank to force me to pay them " cushion money '' when I already pay them interest on the loan. Of which a loan that I never applied for with them. XXXX XXXX   did not have a " cushion '' requirement in their mortgage agreement, how can US bank purchase the agreement with no notification to me and modify the original agreement without my consent. When I asked to pay my own escrow account, I was told that I would incur a fee of one percent penalty of the original loan amount. They raised my monthly payments by XXXX  dollars a month for a XXXX dollar increase in escrow. I have made two requests for an itemized explanation and both times I was informed that it was sent out " a month ago. '' They have my mortgage, so I know they have the correct address ; however, I sill haven't received anything in the mail except a new bank statement demanding additional money and an outline of penalties if I send them my money late. How it is legal for a bank to extort money for a " cushion '' because its " their right '', in the mean time they build interest on my money, only to send me a check for the extreme overpayment, several months after the close of the fascial year. Had I known US Bank was going to buy my loan, I would have immediately refinanced when the interest rates were still low. Now my only options are 1 ) refinance at a higher interest rate and pay refinance fees. 2 ) stay with US Bank and continue to have them increase my mortgage for their make believe " Cushion '' 2 ) Pay US Bank a ridicules fee for the privilege to use my own money to pay my taxes and insurance. The most frustrating part of this is how smug US Bank customer service is, telling me it is " their right '' to simply charge me a " cushion. '' I have never missed a payment, I have even made extra payments. I even have a credit score of over 800.

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 2018-11-29
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Netspend charged me too many fees .they refused to dispute a transaction fraudulently made in another state. Then they closed out my account and told me they sent a check that I never received after almost 2 yrs. They also informed me that they sent a check to an address that doesnt belong to me and told me theres nothing else they can do. These reps are rude, they hang up on u and when I ask to speak to a manager they say they are the manager or no speaking to a manager wont make a difference. This prepaid card Netspend and bank is a disgrace. Even their advertisement is wrong. They over charge fees and they dont secure your money as they should and are not willing to give back when they XXXX up. I just want people to have a heads up about this company because they are a legit scam

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: DE
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:
Account is paid off and still shows balance on the account. 2nd account was never late shows late, I have auto payments for the account.

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 2021-07-14
Company: EQUIFAX, INC.
State: DC
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a chase XXXX reserve card that advertises earning points that can be redeemed at XXXX for travel. I am trying to book two round trip tickets from XXXX to XXXX for XX/XX/XXXX returning XX/XX/XXXX and their booking system online shows several itineraries available at various time of the day from XXXX XXXX XXXX yet I was unable to book any of them ( keep showing error messages ). So I called Chase up on XX/XX/XXXX and the agent who picked up the phone helped me book it. She said they are having system wide issue with their booking but I will receive a confirmation of my booking in the e-mail. That e-mail never came and I called back on XX/XX/XXXX. This time another agent told me a ) they could not find that reservation b ) the flights are not available despite the fact their website still show this and several other flights as available. The agent then elevated the issue to a second customer representatitve who told me the flight is available but at a higher price so I agreed to book at the higher price and then he came back and told me he could not book it. At the same time, all other 3rd party booking sites such as XXXX, XXXX show the flights as available. I asked the customer rep for a solution which would reimburse me for the cash cost incurred to book elsewhere and deduct the required points shown in their system and he came back saying they could only do it at XXXX instead of the XXXX advertised. I asked that he further escalate the issue and have a supervisor call me but he said no one is available and they do not do call back. It is regretful on Chase 's part that 1 ) they lie to be about making a booking when it never happened 2 ) they could not meet their promise despite their own system showing flight availablibility 3 ) they openly acknowledged system issues but instead of figuring out what went wrong on their end and properly remedy the situation, they just let the consumer hanging with no solution offered. To me that is false advertising on the benefits of the card and breach of cardholder agreement. I would strongly ask CFPB to investigate the issue and take appropriate actions. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/19 I filed a complaint that accounts I disputes on XX/XX/2019 claiming the accounts were not mine and that the legal timeframe of 30 days has passed but Equifax has NOT removed those accounts as the FCRA law clearly requires. see complaint # XXXX In Equifax 's response they admit the creditors did not respond until XX/XX/2019 Yet have refused to follow the law and remove those accounts.

Equifax is recklessly and deliberately ignoring their legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Williams, Rush & Associates, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a debt collector who keeps calling me-Sometimes 2-3x a day- I called them back to find out what they needed- They are looking for my brother XXXX- I have told them, He does not live here, I have not seen or talked to him in a long time, and to stop calling me or I am seeking legal advice- I have told them that twice- They proceeded to call again, leaving voicemails, I still have some of them. I have spoken to an attorney about this I have deleted alot of the voicemails because my answering machine was getting full- but the most recent voicemailare from XXXX at XXXX ; XXXX XXXX at XXXX ; XXXX XXXX at XXXX other call times are : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX They call from like 2 or 3 different numbers some of these days they have called twice with two different numbers After speaking to attorney I am now writing them a letter and sending it certified

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Call repeatedly daily, sometimes every 20-40 minutes in between and even blocking the number at times. When my wife answers they ask for my attorney or legal representative. Make threatening statements of lawsuits, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i had a issue with XXXX XXXX XXXX i dont owe any balance on the account but they put my account as fraud activity and reported to the consumer reporting agency and i have explain the issue what had happend that it wa a honest mistake my spouse had made he accidently deposit the wrong check and we had called next day to confirm the mistake and the bank of america supervisor had informed us that it should not be any problem it will just get returned check and get an fee. 
few weeks later we got a call from risk dept from BOFA stating that the account will be closed due to fraud activity? but we were informed by the customer service manager that it shouldnt be a issue so im writing this letter. 
please help us solve this issue. 

this was like in 2016 XXXX sometimes

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 2021-07-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The name and address of someone who is not me have been listed on my Equifax credit report for several years. I have filed at least 4 disputes directly with equifax which are all listed as resolved but have not completely addressed the disputes. On the Equifax website, I am able to dispute the name ( which is accurate ) but I am not given the option to dispute the listed alias ( which is incorrect ). Each time I dispute the current address ( which is incorrect ) my dispute is listed as resovled but the address persists. The earliest disputes filed were back in XXXX and XXXX. They are listed as resolved but did not fix the error. The disputes were filed in XXXX, XXXX, and XXXX of XXXX. My latest dispute with Equifax I have filed additional disputes with XXXX  with greater success, although it required several follow up disputes to clear my record.The latest dispute confirmation number with Equifax is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
said that I owe about XXXX but they will resolve my debt for XXXX  I asked for a letter stating our agreement before I pay and they said that is not possible I have to take her word and all calls are recorded and she can not send out emails there is one person that sends out emails and that s after you have paid I will not pay a single XXXX until I have it in writing that I owe this money and where it is going to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a consumer and on XX/XX/2021 I sent Victoria Secret Consumer Relations Dept a letter pursuant to 15 U.S.C 1692g asking them to send validation of alleged debts, they have been reporting, falsely & inaccurately ; but they have yet to respond. They have been violating my rights as a consumer causing damages to my credit, reputation and mental capacity by communicating inaccurate, false, and misleading information about me.

Under Penalty of Perjury, Victoria Secret is in Violation of the following : Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692g - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692e ( 8 ) - False or Misleading Representation. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 168
1a ( 4 ) - Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681a ( 2 ) - ( 2 ) Exclusions. the term consumer report does not include ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681b ( 2 ) - Permissible purposes ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/XXXX ), TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX paid in full XXXX  XXXX never late INQUIRIES XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

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 2017-08-01
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Experian is reporting my score by over XXXX points. Compared to XXXX and XXXX. I have all three reports matched up and they are all the same as reported.. They are killing me and tells me I was 60 days past due but does not show it in there report from any account.

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 2018-11-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I did not receive the XXXX XXXX protection promised from Equifax. In XX/XX/XXXX, my husband and I found out were impacted by the Equifax cyber security incident, through the site Equifax provided. Both of us applied for the free XXXX XXXX XXXX service. Yesterday, XX/XX/XXXX, I found out I never had the service. 
On XX/XX/XXXX, I received an email indicating Equifax/XXXX were working on my activation and they were sorry for the delay. My husband received the same email. Yesterday, XX/XX/XXXX, when I tried to log in to extend my service, I could not access the site. My husband was able to access the site. That afternoon, I called the number on the email and was asked a ton of verification from XXXX. After providing all the information requested, XXXX said my enrollment wasnt completed because more information was needed, so she provided another number to call. 
That evening, I call the number provided and waited on hold for over 45 minutes. While I was waiting, I called the first number to make sure I had the correct number. The representative tried to tell me about another service that didnt provide the same features I should have received. I asked to speak to a manager and was put on hold. About 50 minutes into the other call, XXXX, the representative answered. After providing all my verification information to her, she said the system wasnt allowing her to do anything. I asked for a supervisor and she asked if she could put me on hold for 2-3 minutes. Needless to say another 11 minutes went by before she came back and said XXXX, the supervisor would call me tomorrow. I asked for XXXX name and she said she didnt know. I asked who I could contact since no one from Equifax didnt contact me since the email on XX/XX/XXXX. She provided the Equifax site email. I asked if I could wait on hold for a supervisor. She put me on hold for another 5 minutes and XXXX came on the line. XXXX said he was a supervisor and couldnt give his last name. He said he understood my situation that I was not happy with the service. I corrected him and told him I didnt have the service, that was my issue. He said someone would call back. I found another number on the Equifax site and was taken in circle yet again. 

The bottom line, I never received the service and Equifax isnt doing anything to make sure I receive the level of service I should have been provided. I see why there was a cyber-security breach. Equifax was supposed to be watching, but wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: WA
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 invalid accounts reporting to my Experian credit report I have tried to solve this many times with the company both XXXX and the creditor Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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