BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
First off, we have used this card for everyday purposes as well as when we went on our cruise most recently in XXXX. We have paid off this card twice in the past 6 months and expected to get a credit card limit increase however that never happened. 

We had to utilize the cash advance option after the card was completely paid off, which is an option that is offered by the credit card company. We utilized this to pay our rent last month due to trying to utilize actual funds ( from our paycheck ) to pay for some concert tickets which resulted in costing more than we had saved up for them. Our funds from our paychecks came up short and rent had to be covered by this cash advance. 

Barclay never reviewed my credit report until i used the cash advance option in which, they decreased my credit card limit by {$1400.00} from {$2500.00} to {$1100.00}. While i understand that my overall credit utilization is high, i think that this limit decrease was quite drastic and uncalled for. This has caused me to reconsider my use of this card going forward since Barclay clearly does n't care of my usage until I make a questionable transaction utilizing one of the many options on the card, the cash advance. 

Barclay could have simply contacted me about this recent transaction and found out why it was used. Instead, they treated me like a number and just took action on the card without my prior knowledge. Barclay does n't care about its consumers. 

And due to limit decrease, it also made my credit report look worse for my other credit card issuers which could cause any one of them to do the same and tank my credit just because i used the cash advance option, which is an available option as part of the credit card.

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 2021-11-26
Company: EQUIFAX, INC.
State: OH
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:
The following account has been in dispute for over 30 days. I opened this dispute back a few months ago. 

XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$100.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification UTILITIES Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XXXX I deposited approximately {$13000.00} into my personal checking account. This account is with Key Bank in XXXX Oregon. The last4 digits of the account are XXXX. I never touched {$10000.00} of this deposit. Approximately 1 year later I did notice that {$10000.00} was missing from the account. I went to the bank and they suggested that I open another checking account. I complied. Both accounts are still active. I was reimbursed by mail approximately {$620.00}. I returned to the bank and was told that although I hadn '' t written appropriate checks or made large ATM withdrawals I would not be reimbursed the {$10000.00}. no explanation was given. I contacted the FDIC 2 months ago and called them again today XX/XX/XXXX. They suggested the CFPB webpage to file this complaint. I write this complaint with the hope you can assist. I would like to be reimbursed for the {$10000.00}. I have been a customer of Key Bank for over 10 years. The account number for the account that was hacked ends with XXXX. The new checking account end with XXXX. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have only been with Select Portfolio Servicing for a year, my account transferred to them by XXXX. 
My home burned XXXX-XXXX-17 & I have been trying since that date to get short pay offers approved. 
XXXX did an appraisal after the fire which came in at {$38000.00} BPO. Two different XXXX  representatives promised me that an offer of {$36000.00} on my part would be accepted. I had the call on speaker & have witnesses that the 2 representatives made this statement to me about {$36000.00} ( 95 % of the BPO ) being accepted. 
It was not! 
This company has been sending me default letters since the fire. Prior to the fire & since, I have missed zero payments. XXXX until now I have sent {$4000.00} in payments to XXXX while being homeless due to their threatening mail. My mortgage payment is supposed to be locked in on a permanent modification at {$490.00}. 
I sent {$1000.00} that I did not owe in the past 45 days to stop the daily default notices & constant collection calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a car loan with Bank of America that was paid off in XX/XX/XXXX and replaced with a new loan for my new car. The old BofA loan has remained on my credit report. Tried to contact someone at the bank in XX/XX/XXXX multiple times to fix and wound up stuck in automated phone loop getting shifted from dept to dept.

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 2022-03-08
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: Was not notified of investigation status or results

Complaint:
You are in violation! You broke the law!! I have enclosed all documents which includes ( Previous CFPB Complaint, Copy of Driver License, Identity Theft Report, Statement, & instructions ). PLEASE SEE ATTACHMENTS

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 2021-05-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have made large amount of payments in the past 3 months so that I can pay off my mortgage sooner but my last payment wasnt applied to the principal only this has XXXX going on since XX/XX/XXXX also I tried to refinance my loan and after they collected their appraisal fee underwriter said I dont qualify for refinance I have XXXX credit score and no credit card debt carrington said I dont qualify I currently have 8.75 interest rate I owe $ XXXX house is worth $ XXXX and carrington said I didnt qualify please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This investigation has now been well over 30 days to determine is there was late payments. The credit bureau will not validate late payments - it's been over 30 days and still no documents that show my payments were ever late. Isn't this illegal?

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 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a notice today in the mail from Bank of America saying my application for a XXXX XXXX XXXX XXXX XXXX XXXX was denied, however I never applied for one, I know this because I recently applied for a mortgage and I can't apply for anything right now

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 2017-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my debit card and PIN number was compromised. I scanned my work badge entering my workplace at XXXX at XXXX CST I used my card to purchase breakfast within my job in the amount of {$5.00} ( XXXX XXXX ) When I went to lunch at XXXX I attempted to use my debit card to purchase lunch at XXXX XXXX, again within my workplace- ( XXXX XXXX ) this transaction was denied, which prompted me to log into the chase app on my phone to check the balance. I notice 2 transactions on my account at the USPS in XXXX TX, one for {$1000.00} and another for {$880.00}. I then immediately contact chase and was told my card was placed on hold for suspicious activity. Thats why my lunch transaction was declined. I was told by the bank that someone used my card at an atm and used my PIN number -- Address of the atm was XXXX XXXX  XXXX in XXXX XXXX Tx at XXXX and XXXX XXXX I was at work at this time, and I never use the ATM to check the balance. Then the USPS charges were done at XXXX and XXXX XXXX, again I was at work with my card still in my possession.. I was told that the card was then again used at the same atm as earlier at XXXX attempting to withdraw {$40.00}. This attempt was declined by the bank because they already put a hold on the card. Again I was at work wit the card in my possession. I then attempted to buy lunch at my job ( XXXX XXXX ) at XXXX XXXX, 24 minutes apart from the Last ATM transaction. I have co-workers that provided a statement that I was at work in their presence and went to lunch together that can vouch of my whereabouts and witnessed me take my card out my wallet and attempted to use for lunch, even offer to pay once was declined. To get from the ATM in XXXX TX to XXXX TX in 24 minutes and get to the cafeteria in my job is impossible - Should show that there was a second card somehow. Makes zero sense for me to go to a non chase ATM TO CHECK MY BALANCE when Then can see I check my balance on my phone all the time. And to do it multiple times does not make sense. Also if the card declined at the atm using the pin why would I go to work and attempt to use the same card for lunch without calling the bank when there was more than enough money to make the {$40.00} withdraw. I dont out feel like a thorough investigation was done to protect their customer. If it was me, why would I commit fraud like that.. Im confused how they can deny my claim when I proved it wasnt me and I had my card, I also provided the police repot info I filed. 

Went to branch and was told that sound like someone used a devise to copy my debit card and pin # -- -- If the brach is aware of this type of fraud how can they deny my request

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25
Company: Allied Collection Services, Inc. (Nevada)
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Over a year ago, Allied Collections started collecting on an account it said was owed to XXXX, in the amount of about {$470.00}. Around XX/XX/XXXX, I noticed they had reported it to various consumer credit reporting agencies, like XXXX. That month, I settled the account with Allied, on the condition that they request deletion of their tradeline from any credit bureau it had been reported to. I was told by the collection agent that Allied would be requesting deletion of their information from the credit bureaus. 

However, they did not do this, despite promises otherwise. I followed back up with Allied and they said they would take care of it and ensure their tradeline was deleted. 

Worse, when I disputed the information to XXXX, Allied *confirmed* it was supposed to remain reporting to my credit history. 

As of XX/XX/XXXX - almost a year after payment - the account remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
Since last year I am trying to correct and delete this repossesion from XXXX XXXX  Because is to many inaccuracies been reported by XXXX and Experian first XXXX XXXX report a balance of XXXX then in a second letter they are reporting to XXXX and experian another differnt balance of XXXX and the problem is that if this a charge off both Experian and XXXX must report a XXXX balance. XXXX XXXX is reporting this same account as charge off with a XXXX Balance

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 2022-09-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is being submitted on behalf of the mortgage borrower by his authorized housing advocate. The attached Qualified Written Request ( QWR ) dated XX/XX/XXXX was mailed to Shellpoint Mortgage Servicing, a division of Newrez ( Shellpoint ), on my behalf. Shellpoint did not acknowledge receiving the QWR within five ( 5 ) business days nor did it provide a response within thirty ( 30 ) business days. The total dismissal of the QWR is a clear violation of the Real Estate Settlement Procedures Act ( RESPA ) 1024.36 Requests for information. 

The second attached QWR dated XX/XX/XXXX was mailed to Shellpoint via certified mail. The U.S.P.S. tracking number XXXX confirms it was delivered on Tuesday, XX/XX/XXXX at XXXXXXXX XXXX. Shellpoint sent me an acknowledgement correspondence on XXXX, XXXX, XXXX. Shellpoint has not provided a response to the QWR, again failing to comply with RESPA 1024.36 Requests for information. My housing advocate had a separate case where Shellpoint also failed to respond to that clients QWR. This potential pattern of practice is concerning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting

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 2022-09-02
Company: Cogent Road, Inc.
State: NC
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:
XXXX XXXXFTC REPORT cover XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed three fraud claims with Wells Fargo- one was approved as fraud ( {$380.00} ) and the other two were not ( {$170.00} and {$270.00} ). I have spent hours talking with the bank to no avail my account is overdrawn. I have not received a debit card. I have been disrespected and belittled by the lead at the bank I have requested to speak to a supervisor and I have yet to receive a call.

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 2017-08-25
Company: CITIBANK, N.A.
State: NV
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:
I am charged monthly on my XXXX XXXX XXXX for my XXXX XXXX Membership. The change is set to be on the XXXX of each month for {$10.00}. Well I have been getting charged twice a month - once on the XXXX and then again on the XXXX for my XXXX XXXX Membership. I contacted XXXX and never got a response - so I went to Macy 's who has my XXXX account and filed an online complaint. I just received in the mail yesterday that they are unable to help me and to go back to XXXX. This has been going on I think since XXXX. I would have to go back and check my statements to find out for sure. I go back into the XXXX website and there are no phone numbers that I could find - same as my original complaint to them I had to email. Now I ca n't even find an email that I can contact XXXX - so I will have to go into my email account and find the original one I sent to them and re-sent. Hoping you can 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