BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: Atlanticus Services Corporation
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I have filed a complaint with the Consumer Protection Bureau. However, nothing has been done. I have filed a complaint with the credit card company directly. I requested that the fraudulent charges to my account be removed. I requested statements dating back to when the account was initially opened. I asked that all the payments I have been to the account be accounted for. This company has ignored my complaints and just recently placed the account in a negative status that has been detrimental to my credit score. I have never used this credit card outside of XXXX XXXX XXXX and it has been over three years since I have used the card. I no longer have possession of it. I sent a certified letter to the credit card company but I have not received any of the statements I have requested. Now it appears that the account has been reported negative to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
US Bank has failed to process my mortgage application in a timely manner. I am now in danger of not meeting my closing date and thus could lose my {$2000.00}. earnest money. Until yesterday, the mortgage processor was not returning phone calls I made to her to check on the status of my application. My purchase contract was written up on XXXX XXXX, 2016. On the morning of XXXX XXXX, 2016, I called my US Bank Mortgage Loan Officer to advise her my offer had been accepted and that I wished her to proceed with my mortgage application. I had already been " pre-qualified '' for a mortgage. I have provided US Bank with information and documentation as they have requested it, but they have not proceeded in a timely manner. For example, I did not receive my initial set of disclosure forms until XXXX XXXX, 13 days after I advised the bank I had an accepted offer. Additionally, it was not until late Friday, XXXX XXXX ( eve of a XXXX weekend ), that I received a request for information and documentation from the US Bank mortgage processor. I responded to this request by Monday, XXXX XXXX, end of day. While driving across country from XXXX to XXXX, where I am relocating, I was in touch with my Mortgage Loan Officer ( my Mortgage Processor was not returning my calls ) and received from her no indication there was a problem with my application. When I arrived in XXXX on XXXX XXXX, I learned that my application was still in the underwriting stages and that it was likely I would miss my XXXX XXXX closing. After pressing the matter, I was told a " rush '' would be placed on my application, and I am hopeful that this is indeed the case. However, realistically, I think there is a good chance I will not close and will lose my {$2000.00} earnest money. I feel the bank has not proceeded as it should.

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 2017-07-18
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I have disputed items on my report several times, Equifax refuse to delete items that have already been disputed on  XXXX . I asked them repeatly to provide me with proof of their verification which they refuse to send me. I also had   XXXX   public Records listed on my report. law as of   XXXX   XXXX   state if cant verify it has to be removed. well all   XXXX    credit agencies removed one of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also   XXXX   of the collections account was removed ( Interstate credit collection ) and they put it back with out notifying me within 5 business day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method professional   XXXX   XXXX   is undeliverable and how can you delete   XXXX   but verify the oher, please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is   XXXX   XXXX   and I had a loan with HSBC Mortgage Services which was recently sold to   XXXX   XXXX  , I was in a  XXXX  BK from  XX/XX/XXXX  to  XX/XX/XXXX , which I completed my  XXXX  and was discharged by the courts.
I this year applied for a Refinance thru the HARP program in  XX/XX/XXXX   a nd was approved pending all documents submitted per request of  XXXX  and I have submitted every document that was needed except for the 24 month payment history I needed from HSBC mortgage, I have called, faxed and repetitively requested a complete 24mo pay history and in the 7 responses I have received there is always 6 mos not reflecting as part of my pay history but reflects 6 mos deferred to the back of the loan without any reasonable explanation as to why or how it is showing that. I have requested that a letter of explanation please be forwarded me in detail the reason it reflects 6mos deferred and why there is a gap not reflected on my payment history ... ... in my  XXXX  XXXX  pay schedule I pad arrears in the amount of {$1400.00} paid in at 100 % thru my BK to HSBC so I 'm confused as why there would be a need to defer 6 payments to back of loan if I paid my arrears and I was never late during my  XXXX  XXXX  period.
I need some help on figuring this out.... .PLEAS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Re : Unauthorized Credit Inquiry I did not authorized the following company to do a credit check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I am at a loss of words. Long story short, I signed up with TransUnion to get on top of my credit. I then discovered that someone ( who i actually know ) took out a {$50000.00} loan in my name. Frantic, I call TransUnion, to get nowhere. I cant understand anyone. I asked multiple times to be transfered to a supervisor, and that just did not happen. The people here do not speak english. They are not equipped to handle these situations. They could barely understand me when I tried to give then my social security number, let alone tell the slightest bit of information about this XXXX loan in my name! I have XXXX questions, and the agents there and barely understand what I am saying. I need help. Please. There is fraudulent activity and I am a victim of identity theft. I do n't have any other numbers to call..who else do I go too? I am feeling like i got scammed all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: PNC Bank N.A.
State: OH
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:
I am involved in a federal crime involving   XXXX   XXXX   XXXX   who is now being investigated by the Federal Trade Commission. It is currently shut down by the FTC. I received a letter last week from the FBI stating this. I gave   XXXX   XXXX   XXXX   {$14000.00} last  XXXX  to perform patent services which they did not deliver. Myself and thousands of others were taken by the scam and where led on to believe that the Company was performing their services as promised up until  XXXX  of this year. After hearing of this I went to my bank PNC to file a dispute and they have denied my claim because it was not reported within the 60 day time frame. Me as well as all the others only found out about this and  XXXX  after the company was shut down and we were sent letters from the Federal trade commission. I did report the fraud to the PNC after I found out. I am still being denied due to the timeframe and I have gone all the way to escalations and I am still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.   XXXX   XXXX   XXXX   and  XXXX  is listed  XXXX  separate times and none of the accounts are mine.   XXXX   XXXX   XXXX   is also listed. This is not my debt and I have no knowledge of it.   XXXX   XXXX   is listed, this is not my debt and I have no knowledge of it.   XXXX   XXXX   XXXX   is listed. I have no debt with this company and have no knowledge of it.   XXXX   XXXX   is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. 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 2022-01-31
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
DISCOVERBANK is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( DISCOVERBANK XXXX, DISCOVERBANK XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Just got off the phone with a rep about my complaint.
They received a response from a   XXXX   XXXX   XXXX   w/ a phone number, no extension nothing and I have been on the phone since  XXXX  and am writing while I am on hold, no one knows who she is and they ca n't find out? According to her response she is more than happy or willing to give me my MONEY I do n't have the actual letter but, it is something to that effect, she will give me my money, the money belongs to me what is she talking about she DID NOT RESPOND to my complaint of I want to see the BENEFICIARY CARD AND SIGNATURE CARD that IF MYfather changed this for me to share with my sister I am by law entitled to see all those cards instead since   XXXX   XXXX   I have been given the run around and lied to. I have spoken to several banks, lawyers and went to Civil Court about this issue and I have the right to see all documentation pertaining to this matter. All have said same, some- thing is not   XXXX   they are hiding something here if they wo n't show you these documents???
Please help me, I registered this complaint with you for this info and I have n't received the proper info here we go again this is why I am complaining to you for your help in ascertaining the cards and why did n't this woman give proper details to contact her? It is  XXXX  just got off the phone they said no one is allowed to speak with me any longer as I filed this complaint and regulatory mumbo jumbo etc etc so I need to wait for another letter in the mail from Capital One about this matter!!! I am complaining again please, please all I want is to see the SIGNATURE CARD AND BENEFICIARY CARD TO SEE WHEN and IF MY father changed the   ITF   XXXX   XXXX   to also beneficiary   XXXX   XXXX   my sister. All statements have come with   XXXX   XXXX   ITF   XXXX   XXXX   nothing else and I have some of the statements as far back as  XXXX  with only my name!!!
PLEASE PLEASE I AM BEGGING FOR HELP SUCH A SIMPLE MATTER???
This is a new complaint about the above complaint that I did not receive a response to my above complaint???
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/XXXX  Date sent to company :  XX/XX/XXXX  Product : Checking or savings account Issue : Closing an account   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  .
  XXXX   NY  XXXX  #   XXXX   XXXX   --

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I previously disputed, with TransUnion on XXXX XXXX, 2016, inaccurate information regarding my account with XXXX # XXXX. This information has caused me to be denied credit because of it lowers my credit scores. XXXX XXXX by and through the credit reporting agencies are reporting that I have missed a payment or was 30+ days past due in the month of XXXX 2016 is inaccurate. Please see my attached receipt for cash payment in the local branch office and through a teller at the window on XXXX XXXX, 2016. Additionally, it is being reported that my last date of payment was XXXX XXXX, 2016, when in fact, I made no payment on this account on XXXX XXXX, 2016. My receipt confirms the date and time of my payment.

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 2017-07-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a checking account that offered {$250.00} bonus after doing XXXX debit card transactions within 60 days.
I fulfilled all the requirements and still have not received the {$250.00} bonus even though the welcome letter I received from Wells Fargo clearly states that I am eligible for the bonus. Since they have failed to meet their part of the advertised requirement, I believe that Wells Fargo is guilty of false advertisement.

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 2017-07-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the month of   XXXX , COM ENITY BANK/VICTORIASECRET reported that I was 30 days late on a monthly payment. I never received a statement from the merchant. They admitted to their mistake and I made a full payment immediately, once I was made aware of the past due balance, they even removed the late fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX   XXXX   Account #  XXXX  I borrowed {$3500.00} in  XXXX  I started paying in   XXXX   I have paid a total of {$5600.00} according to their records as of XX/XX/XXXX  I still owe Total Current Balance : {$2400.00}. Something is not adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: U.S. BANCORP
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have XXXX credit cards : XXXX XXXX, XXXX and U.S. Bank. In about XXXX 2016, I received an offer from XXXX to transfer balances from my other cards to XXXX for a 0 % interest rate until XXXX XXXX. There were XXXX checks attached. I wrote XXXX checks ; XXXX for XXXX and XXXX for US Bank. The check to XXXX went through without a problem. I forgot the transfer fees so the check to US Bank was returned because the XXXX amounts went over my credit limit. I called XXXX and it was re-submitted ( with a different amount ) to US Bank. I received a statement from XXXX showing the check was submitted to US Bank ( check XXXX. XXXX ). When I called US Bank, they claim they never received it. Now, XXXX is going to have to cancel that check and re-submit it ( electronically ). I 'm assessed a {$25.00} fee by US Bank every time there is a returned check. I keep being told by US Bank that they do n't show any check by XXXX and XXXX says it was cashed XXXX XXXX. I 'm trying to pay down my credit cards and I feel US Bank is deliberately keeping me from doing so. I do n't have a complaint about XXXX, who is trying to help 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 monetary relief
Consumer complaint received 2015-09-01
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This bank took {$180.00} from my account for fees that I should have not been penalized for when the original account was supposed to be closed due to fraud. I agreed that I would pay the penalty of {$67.00}, but the bank only offered to give me {$92.00}. I think that this is unfair because they did not call or even send an email about the money was being removed from my account. Since the bank has done unfair practices to me I would like everything back except {$31.00} for a charge that came through after I was told the account was being closed. 
I would like the remainder of my money back which is {$65.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: CA
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:
My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a  XXXX , my low was a  XXXX  from  XXXX  and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has  one  piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies,  ( 3  ) mortgages over $  XXXX  paid in full, never late, no bankruptcies and I am a  XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Western-Shamrock Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
i have told these ppl time after time that i can not pay. if you are n't working ... .you ca n't pay. it 's not that I 'm trying not to pay i just ca n't and do n't know want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a collection for {$140.00} on my credit report through XXXX in XXXX of 2021. I was surprised because I had not been notified previously of an outstanding debt nor did the collection agency, Helvey and Associates, provide me with any validation information. I disputed the collection through XXXX XXXX in XXXX, 2021. I still did not receive any information. I again submitted a dispute through XXXX XXXX in XXXX of 2021, and again, I received no correspondence. Therefore, I sent a certified collection validation letter to Helvey and Associates. I was notified that it was signed for on XX/XX/2021. To date, I still have not heard from Helvey and Associates.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation