BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need your assistance with US Bank Home Mortgage. I acquired the mortgage ( $ XXXX, XXXX ) through XXXX and it was sold to US BANK Home Mtg. The current status of my mortgage ( outstanding principal $ XXXX ), home is insured through XXXX and they estimate its value at $ XXXX. I have been paying PMI since XXXX. In the past few years I have been questioning why I am paying PMI ... .US Bank continues to ask for {$500.00} to appraise the home and do not give me the magic number they are looking for ... .just continue to press for the {$500.00}. Since I have been inquiring about PMI, the payment has miraculously dropped from {$87.00} ( XX/XX/XXXX ) to {$48.00} ( XX/XX/XXXX ) .with no explanation. 

Their customer service is such that you get passed from department to department, in a variety of states. I need help in getting the PMI totally removed from my mortgage and a REFUND of PMI for the past year. 

I have written numerous times, and telephoning is quite frustrating as there are so many people that I speak to and they all say different things. 

please help

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 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America charged a {$25.00} " Advantage Monthly Maintenance Fee '' on the following dates : XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} The B of A refunded {$25.00}, but refuses to refund the remaining {$50.00}. 
I have had this account many years, and I 've always had completely free checking. I believe Bank of America should have contacted me before making these deductions from my account. Had I known that the bank was going to implement these maintenance fees, I could have combined my two checking accounts into one that would easily exceed the newly required minimum balance of {$5000.00}. Instead, I had no knowledge that these maintenance fees would be implemented and I never authorized these deductions. In my opinion, it is dishonest for Bank of America to operate in this manner.

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 2021-06-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX- Received an alert from XXXX I C System Inc account added for unpaid XXXX  debt XXXX - Called I C System Inc to get more detail on the debt as this debt was in collections in 2019 with another agency and was settled and removed from my credit report. 

The rep for I C System confirmed that correspondence was mailed to the wrong address. I asked the rep to removed this from my credit report as I have 30 days to reply to I C System regarding the debt. The rep refused to move this from credit report. I asked rep when would correspondence be mailed to the correct address - the rep could NOT advise me on the date.

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 2017-12-01
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For Months I have been trying to reach out to XXXX, who is reporting negative information on my credit report. I have written letters asking for debt validation ( not verification ). I specifically asked for original contracts with my signature, as I have never had any accounts or have done any business with them. I also reached out to XXXX XXXX bank who XXXX says is the original creditor and they wrote a letter saying that they do not have any information regarding any account with them ( letter attached ). 

XXXX has NOT validated the debt that they are reporting on my credit report, however, they continue to report negative information. Also, they have sold the debt to Resurgent, which is illegal because they NEVER validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX this debt collector continues to call my place of employment after I told them ONLY contact me through writing after asking them to verify an validate this debt due to me not having any contact with in writing they first called my cellphone multiple times after I blocked them they somehow obtained my job number an have called it at least 3 occasions while I was there after I repeatedly told them not to as we are not allowed person calls An they continued to do leaving messages stating they needed to speak with me regarding a business matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for the Gold card offered by American Express. The card is approved on XX/XX/2019. When I applied for the card through American Express website, Amex said that " You can earn 50,000 Membership Rewards points after you spend {$2000.00} or more in eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. '' When I clicked on Amex website to agree to this offer term, the website also provided a PDF file of the offer term that I can download so I have a copy of the offer term that I signed up for. The offer term is 50,000 Membership Rewards points as the welcome bonus. I also mentioned the 50,000 Membership points to the customer service during an online chat on XX/XX/2019, and the customer service agreed this term I mentioned. 

However, after I spent {$2000.00} in the first 3 months ( 2 months actually ), Amex only gave me 25000 Membership Rewards points. This is not consistent with the offer term that I signed up for. After communication with Amex many times by online chat and by phone, Amex claimed that they have no mistakes on doing this. This is inconsistent with the document and the offer terms I have. Until today, Amex still refused to fulfill their offer term.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The chapter XXXX bankruptcy is suppose to be removed from my credit report the account is over 10 years old. Also the other bankruptcy witch is chapter XXXX 3 times do not belong to me

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 2019-04-11
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
to date in 2019 two {$33.00} late fees with interest {$190.00} in interest they are demanding my next payment include the interest when began the billing cycle with no balance {$260.00} stolen by Citibank

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 2019-04-11
Company: JPMORGAN CHASE & CO.
State: NY
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:
To whom it may concern Somewhere in XX/XX/XXXX my credit card account with Chase Bank was signed up for E-statements. I never approved that. Therefore, I did not receive my statements. My email address was, at the same time, spammed with hundreds of emails from Chase stating : Your point transfer is now complete. ( please see enclosed ). It seems that all this was a Chase computer glitch associated with my credit card account. 
All this had caused me to be unaware that my account had an outstanding balance. Therefore, the balance was not paid and it was a bit over 90 days late. Once I was made aware of it, I made a payment right away. 
I am applying for a mortgage and this matter was very urgent to me. 
I contact my Chase Bank manger but unfortunately he was not able to help. 
On XX/XX/XXXX I contacted Mrs. XXXX from The Chase Credit Card Executive office and was told that this matter will be investigated and I will be notified with results within the next few days. The following few days I tried following up a few times but I never got a response. On XX/XX/XXXX I got a phone call from Mrs. XXXX that unfortunately Chase is not willing to remove the 90 day late from my credit report even though she basically admitted that it seems like this was a bank error. 
It is very clear to me that I never signed up for Estatements and never gave consent, so there for I never received my statements. ( They were not even properly delivered to my inbox as I was spammed with hundreds of emails from Chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The credit agency XXXX, Transunion and XXXX  have not verified my dispute and refused to remove the Bnackruptcy from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XX/XX/XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XX/XX/XXXX I was notified by credit monitoring company I had a late pay added to my file for XX/XX/XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.

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 2019-08-08
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX around XXXX XXXX I posted a listing to XXXX for my couch. I was asking {$1000.00}. Somebody contacted me and said they'd not only buy it but they'd pay for a mover to pick it up. They emailed me a check for {$2500.00}. {$1000.00} for me {$100.00} for me to hold the couch and {$1400.00} for the movers to pick it up and bring it to their son 's house for his birthday. I deposited that check. They said that the movers wanted to be payed before pick up. I called my bank, the XXXX XXXX XXXX XXXX, and the bank told me the check had cleared. I thought that the word cleared meant that the money was officially mine, so I payed the movers a holding fee of {$500.00} out of that {$2500.00} check. The next day, XX/XX/XXXX, they wanted me to send the remaining movers payment, so {$900.00}, but not using the original means of payment which is a XXXX   XXXX app called Zelle. I thought that was very strange that I had to pay these movers before the job was done. And they wanted me to wire the {$900.00} to a person in Kentucky using a XXXX money transfer. I said that was odd and they then begged me to try XXXX, XXXX, and XXXX XXXX. I knew something bad was happening and I said no to each. Each time they gave some excuse and a new username to send the {$900.00} to. I called my bank because I was suspicious. They told me I had been scammed and that the check would likely bounce. In the event of that happening I would be legally responsible for the {$500.00} that I sent over the XXXX XXXX app, Zelle. Sure enough the check bounced and I was negative {$500.00}. I froze my account to keep anything else crazy from happening. I called Zelle trying to cancel the transaction and Zelle said they couldn't do that and they weren't responsible for the transaction, but the woman on the phone barely spoke English and I doubt she understood me. I went to the police and filled a report and made a statement. They transferred my case to a detective in the fraud unit and I'm waiting to hear back from them. I was working today and I went to check my account. I had spent {$97.00} when I thought I had just made {$1000.00} selling my couch, so that makes sense. I sent {$500.00} when I was scammed and the bank says I'm responsible for that. But now it says I owe another {$2500.00} for a total of like {$3000.00}. That doesnt make sense to me. I can see how the {$2500.00} check was deducted from my account, taking my balance from {$2000.00} ( remember that I payed the " movers '' {$500.00} ) down to a negative {$500.00}. However now my balance says its negative {$3000.00}. How is that possible? I've called every phone number connected to the bank and each time they say I'll get a call back when the bank isn't busy .... but I'm still waiting for that call and it the mean time who knows what's happening to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
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:
In the month of XX/XX/XXXX, I became aware that my information was stolen and used to open up multiple fraudulent accounts in my name. I submitted the required documents to place an extended fraud alert on my credit and it appeared on XX/XX/XXXX. I pay a monthly credit monitoring fee of {$24.00} to maintain a credit lock on my credit reports to prevent further fraudulent activity. Next, on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to XXXX  regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$17.00} in mailing services to get this letter to XXXX. I received notification they received the certified packet on XX/XX/XXXX. I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that XXXX had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to XXXX on XX/XX/XXXX tracking number XXXX paying {$15.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on XXXX XXXX end or on my credit reports. Next, I submitted to Experian on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to Experian regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$19.00} in mailing services to get this letter to Experian. I received notification they received the certified packet on XX/XX/XXXX, I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that EXPERIAN had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to Experian on XX/XX/XXXX tracking number XXXX paying {$16.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on Experian 's end or on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We were living at XXXX XXXX XXXX, an XXXX XXXX in XXXX XXXX, CA XXXX. In about mid-XX/XX/2017, after moving to another apartment here, we were surprised with an unfair situation. 
Maintainence manager had done a walkthrough of Our previous apartment before moving out. There was washable paint on it the carpet, which he specifically told us to not worry about at all because they clean the rugs so well once we leave. He did not even bother to mark it down on the sheet he gave us a copy of, and the marks were clearly visible in the middle of the room. Once we were long moved out, XXXXXXXX XXXX told us we needed to pay over {$700.00} in rug replacement fee, due to the aforementioned paint marks. We obviously were not alerted even to this possibility before, quite the opposite ; had the mainatinece manager not mentioned to us so specifically not to worry about it, we would have had the washable paint and carpets cleaned ourselves. It was completely unfair to have been advised otherwise, and charged after for something that apparently did not even merit being mentioned or noted on the walkthrough sheet. We were trying to dispute this with XXXX, who dug their heels in and ended up forwarding us to a debt collector. We have paid the account regardless but the derogatory mark remains on the credit report and will for 7 years. We did not feel at all that this was handled in a fair manner, or even completely resolved by XXXX before they forwarded our account to debt collectors and at the very least believe this should be removed from the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: The Receivable Management Services LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt to collect letter for cellular services from a provider that I do not have a contract nor receive services from for the amount of {$980.00}. 

Submitted a previous claim ( claim # XXXX ) that contains inaccurate company 's response. Proof of signature was not received for services and notification of debt was not received back in XX/XX/XXXX1.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage online before the XXXX. I received an email that I was hit with a late fee during this COVID 19, and I was also locked out of paying online. I took a screenshot of the message ; PHH Mortgage Services has a ruthless practice of this that has been going on for YEARS! I am sick and tired of it..they also charge a fee if you pay online. my other mortgage company does not do this practice. I own 2 homes. Please have them stop this bad practice so ppl can continue to pay their mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am trying to remove myself as authorize user on my chase account.Chase is forcing to be authorize user the account rep is refusing to remove me I explained to them me and my are separated not talking to my wife.The account is affecting my debt to income ratio. I am asking to remove myself and off my credit reports.Rep hung the phone on me I asked to speak legal department and she was very rude. I should not have to be forced to be on account when it not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
My wallet been missing for over a month & Half, and in that card I have my ID, Debit Cards, Social, And A Lil Slip With My Online Bankin & Password, so come to find out someone been dropping fraudulent checks & Withdrawlin Money, For Over Months, I couldnt log into online log in for weeks, then when I finally got in and checked it say I have XXXX balanced wid a returned check off XXXX, so now I think I have to pay these banks back, and come to find out I think they tried opening other bank accounts, I dont even know what to do

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 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.

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