BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear MACYS/CITIBANK, N.A. ( XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/2019 ; XX/XX/2019 ; XXXX XXXX XXXX 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get 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 2023-02-14
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have two issues : 1st complaint I refinanced my mortgage last year to lower my payment. It cost me thousands of dollars to complete the refinance ( I was aware of this ). Then a couple months after the refi closed, my payment went right back up to where it started. They blame it on escrow being undercalculated. I believe this is done intentionally to get people to pay thousands of dollars in fees and points, then knowingly lower escrow amount to make it look like your payment will go down when in reality it will go back to where it started. Basically, my principle went up about {$10000.00} and a couple months later my payment was back to where it started. 


2nd complaint I recently sold the house ( closed XX/XX/XXXX ) Somehow, after the payoff statement was requested my principle went up {$1500.00} from the prior statement. 

I have spoken to Rocket Mortgage and I can not get a straight answer on either one of these issues. The last person I spoke to would only tell me " that's how it works ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We believe there are funds that have been misappropriated and we have tried calling PennyMac several times to get it resolved. We are disputing the negative balance that they say we currently have in our escrow account. We had funds disbursed from our escrow account on XX/XX/XXXX for County Taxes and on XX/XX/XXXX for Miscellaneous Assessment ( MUD taxes ). We understand that these are our property taxes for XXXX, but then we were charged again on XX/XX/XXXX for Miscellaneous Assessment ( MUD taxes ) and on XX/XX/XXXX for County Taxes. These charges are for the XXXX taxes as well. We have basically been charged twice for our XXXX taxes. PennyMac failed to make our tax payments on time to our county and MUD because we received letters from them in early XXXX. We contacted PennyMac numerous times between XXXX and XXXX of XXXX to let them know that they did not pay the county/MUD taxes and it took until XXXX and XXXX of XXXX for them to pay it, and we had no idea that they were actually charging us twice instead of using the funds they pulled from our escrow in XXXX of XXXX. 

We did not realize this misappropriation until we received an Escrow Analysis in XXXX of XXXX that we would be paying {$1300.00} more per month to make up the difference. When we recently called PennyMac concerning this, we were told that our taxes went up for XXXX and we owed more and thats why they took out more in XX/XX/XXXX and XX/XX/XXXX. However, when we looked on XXXX XXXX Countys website and the XXXX XXXX County MUD No. XXXX website they only charged us for the amounts PennyMac paid in XX/XX/XXXX and XX/XX/XXXX. From XXXX XXXX County 's perspective, there is NO RECORD of the amounts PennyMac took out of our escrow account in XXXX of XXXX. We have know idea where this money was distributed or why it was removed. Also, we don't understand why we are just now finding out about this. 

After making several phone calls at the beginning of XXXX and getting zero help, on Monday, XX/XX/XXXX, we spoke with XXXX XXXX ( PennyMac ) who tried to help us, but told us that we were being charged more for our XXXX taxes, which we know now is not true from the receipts from our county and MUD. After speaking with a Tax Specialist at PennyMac, she was supposed to get back with us with an answer on this. She called once and we missed the call. We called back only to find out that the ticket had been closed on this complaint and they could not transfer us to XXXX. 

Yesterday, XX/XX/XXXX, we sent PennyMac LLC a complaint letter and documentation of this issue via certified mail. 

On their website, they claim that their commitment to their customers is to be accountable, reliable, and ethical and we feel as though they have failed us in all three of these categories. 

We would love any help you could also provide us in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: U.S. BANCORP
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:
Elan Financial was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the Elan Financial accounts removed from my 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am interested in disputing my credit report with transunion checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.

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 2023-02-01
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2022 I reach out to XXXX fargo for the fee that was over charged on my account. {$XXXX}

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 2023-02-14
Company: MCLEAN MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XX/XX/XXXX we officially closed on the sale of our house ( statement of satisfaction received, funds transferred etc.. ). The buyers took over our loan under the VA assumption program. The VA assumption process has not been finalized as of XXXX XX/XX/XXXX and the loan is still under our name even though we no longer own the home. The mortgage company ( McLean Mortage Corporation ) is now harassing us with letters and phone calls stating we are in delinquency, even though they are working daily with the VA to get the assumption process completed. The mortgage company did not get the assumption paperwork to the VA until XXXX XXXX ( 2 weeks after we closed on the home ) and the VA has had to go back to them several times to get additional documentation because they failed to send the correct documentation multiple times. This has caused us severe emotional stress and anxiety and we feel there is no one that has our best interest in mind.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: MS
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:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX phone contact with IC SYSTEMS INC I was never given a written letter about any collections. IC systems inc is trying to forcefully make me file a police report about this said collections without informing me on how to dispute it.

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 2023-02-26
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, Account XXXX XXXXXXXX XXXX : # XXXX, Account XXXX XXXXccount : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, AccounXXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: AL
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 asked Equifax numerous of times to correct the available balance on my upgrade account and has sent proof to show them the correct available balance and they have yet to correct this matter, I will be reaching a higher chain of command I'd this issue is not fixed this time around. Attached is proof once again showing what my available credit or valance should reflect to be, they have me at a negative balance on my credit report for my updgradr account and that is inaccurate and is a violation, against the law. Update this immediately to reflect accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital one 360 closed XXXX of my checking accounts and savings accounts without warning. I was told they conducted an internal review of my accounts and decided to end the banking relationship without any cause given. I spoke to several representatives who also informed me that I would not be able to withdraw my funds until the investigation- of which i do not know what they are investigating- was completed. I was given no warning, no indication that I had done anything to warrant this issue. 

All the while, I have no cash on hand- I can not drive to work and have a medical condition that requires medication and visits to my physician to manage. Without access to my funds, I am unable to care for myself. I also do not have the ability to purchase any food, and have no other financial support. 

I disputed XXXX transactions from a merchant ( Grub hub ), because both orders were not delivered ; I contacted Grub hub customer service to resolve, but they would not provide me with a refund, and so I disputed the transactions with Capital One. I have screenshots of the customer service conversation with XXXX to verify I contacted them and that they would not provide a refund. 

That is all that I can think of that would have prompted capital one closing my accounts. 
Without access to my funds, my health is at risk. 

If this is not resolved immediately, I will seek further legal action ; capital one is preventing me from being able to have health and safety and will not provide me with adequate documentation or resolve of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
In accordance with the fair credit reporting act XXXX  accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my wriiten instuctions.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the fair credit reporting act XXXX  XXXX  XXXX  Account # XXXX has violated my rights & XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-13
Company: Grain Technology, Inc.
State: AL
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:
On XX/XX/XXXX I made the minimum payment of XXXX. They are reporting an untrue late payment on all my credit reports. They had me locked out of my account from XX/XX/XXXX until XX/XX/XXXX. I made each minimum payment on time. Please update my credit reports I am in the middle of closing on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/13 I called XXXX in regards to a reduction of my credit limit from {$1000.00} to {$500.00} after I made a payment of {$700.00}. The company stated that they reduced my limit based on false information provided from creditors. 

XX/XX/13 A payment was made of {$700.00} to lower credit utilization. Immediately after that the credit limit was reduced to {$500.00}. This is impacting me significantly and I need this resolved immediately.

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