BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
Remove unauthorized inquiries from my 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 explanation
Consumer complaint received 2017-05-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage comp any, America Servicing Company, merged   with  Wells Fargo. M y mortgage is now held at  Wells Fargo Bank.      This incident recently happened on  XXXX   XXXX ,   XXXX  , this has happened twice in the past. I submited a monthly payment and the bank duplicate the paymen t and overcharged my account. My mortgage statement showed two ( 2 ) payments deducted on the same day for the same amount. Wells Fargo char ged my account a lump sum payment in the amount of {$870.00} as oppose to  two  individual payments in the amounts noted below.   Example of the duplicate payment in the following amounts :  XXXX  - {$430.00} - applied to principal and interest  XXXX  - {$430.00} - applied only to principal ( suspicious activity as I have never submitted a principal only payment in the history of the loan payments ) I called the bank and the representative could not assist as she claimed there was a confirmation of payment sent to me of the full dollar amount. She could not confirm the confirmation number or advised where I could locate the payment confirmation number.   I only submitte d one payment ; however, we can not find the proof of the confirmation of the customer submission of two ( 2 )  payments.     This has happened in the past in  XXXX , on my second mortgage in the amount of {$1400.00}. They went into my account and process duplicate payments in the amount. Again, my account went into overdraft, which alerted me to investigate further.  ASC/Wells Fargo a dmitted error but did not do anything to prevent future occurrence. This recently happened again in  XXXX    XXXX  .     The only notification was my account went into overdraft for the payment that was submitte d three times by Wells Fargo and  that is how I realized there was suspicious activity on my account.     I would appreciate the CFPB investigating further of this practice that most customers are unaware  of Wells Fargo submittin g payments on their behalf of which the customer did not initiate.     I appreciate your 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 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-13
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XX/XX/2020

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 2021-09-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am the owner of a Coinbase account that is a cryptocurrency investment company. From several months the company has blocked my account with the words " account under review ''. I have tried to contact the company but it is impossible. I have carried out all the steps that have been requested but it has not served at all. It is a closed circle in which you can never talk to anyone.I have sent them all the documentation several times but it can not be solved. 
My account is associated with the mail XXXX and my name is XXXX XXXX XXXX from XXXX. The password of the account is XXXX @! 
The documents that I have attached are the driving license and the national identity documentation fof XXXX. These are the documents that Coinbase have from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: GA
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:
Early XX/XX/2019, I was having problems making my VA mortgage payments. Called XXXXXXXX ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with XXXXXXXX -  towards the end of the payment program, I started making large payments. 

XXXXXXXX has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and XXXXXXXX does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.

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 2022-04-13
Company: GOLDMAN SACHS BANK USA
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Apple Card says that I have a balance of XXXX when its XXXX and XXXX XXXX and XXXX  is paid off so XXXX $ due. I have XXXX $ on my XXXX XXXX credit card left till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since Green Tree Servicing, now DiTech, purchased my mortgage loan from XXXX XXXX XXXX in XXXX, I have been struggling with getting them to investigate and stop late payment fees since XXXX. I was not delinquent when my mortgage was purchased, tried to resolve this with their customer service, which has been very frustrating with no resolution and with constant phone calls about delinquency and no ability to make payments online because of the late fees, so I had to mail payments or use Speedpay which cost {$12.00} per payment. Since XXXX XXXX, I have received numerous offers from Ditech to refinance my mortgage loan and have my late fees waived. I have no desire to refinance and I just realized that in XXXX XXXX, DiTech applied by full monthly mortgage payment to late fees, when I requested online that the full payment go to principal, interest and escrow. Now my escrow is out of balance for payments and I did not authorize my monthly mortgage payment to go to late fees, especially since, these late fees have been assessed incorrectly since XXXX based on inaccurate information at that time and Green Tree Servicing would not provide assistance to resolve. This whole situation has been unfair and working with Green Tree Servicing has been a nightmare with my efforts of contacting them to resolve and getting the run around and the calls regarding delinquency when I was n't were very unnerving. I have been patient long enough. The applying of my monthly mortgage payment to late fees without my authorization is unfair and abusive.

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 2022-04-13
Company: EQUIFAX, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I told the company I was sick due to XXXX and wanted to schedule a payment. They still closed my credit card due to non-payment but Congress signed the Cares ACT LAW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
My wife opened a TJMax credit card sometime XX/XX/2012 in order to save 10 % on our purchase goods., so we open the card at a 12.24 % rate on XXXX of 2012 they sold their credit company to a new bank called Synchrony Bank after that they jump our rate to XXXX $ %! I just call in and ask what my options were and they said that they did that to all customers Acc. I ask what they could do to lower my rate back, and said their was nothing they could do! Please help me to get my rate back to what we agreed upon or some form of help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-13
Company: USA DISCOUNTERS LTD
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX I purchased a TV on contract from USA Discounters, I was laid off a few weeks later. I was unable to meet the agreement and defaulted. USA Discounters began to harass me thru phone, email, and third party contact. I mailed a cease and desist letter in XX/XX/XXXX as well emailed and verbally informed then of the XXXX XXXX XXXX. Then then Sued me in XXXX a state that I have never lived in nor been to. For the last 5 years now they continue to harass me, friends and family in a attempt to have me pay for the loan. Today XX/XX/XXXX XXXX XXXX with USA Discounters / USA Living. called a third party friend to reach me, also back in XX/XX/XXXX they called the same third party and openly discussed the account with him. I called today XX/XX/XXXX USA Living to discusss why they continue to not fallow the XXXX XXXX XXXX order, I spoke to XXXX XXXX. He claimed there was no XXXX & XXXX on file but did acknowledge the emailed XXXX & XXXX as well as the verbal XXXX & XXXX back from XX/XX/XXXX as well as USA Discounters releasing private account information to the same third arty they called in XX/XX/XXXX he said it on in the notes in the file. I again claims that they will not call me or any third parties again, but I have been told that over XXXX times and it continues to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had US Bank for approx. 30 yrs but I wanted to change banks for several reasons but then somebody got ahold of my debit card and purchased an it from XXXX it was not me so I did a fraud charge they returned the money and I closed my account they tried to talk me out of it but I did anyway Then six months I get a statement I had {$370.00} in there that is the amount of the fraud charge so I go down there they reopened my account without my approval I told them I didnt want to owe them or them to owe me again they tried to get me to stay with there bank I talked to the manager and the assisstant manager but they insisted I took it I still closed the account. Now they are insistng I owe them that amount I dont believe They had no authorization to reopen my account. Can you please help me clear this matter up. I would really appreciate 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 2017-01-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received a new Walmart Mastercard in the mail that I did n't sign-up for. I called Walmart MasterCard Synchrony Bank fraud department and they had my social security number and address. I have never owned a MasterCard or had a Walmart card of any sort. Someone opened the card on XX/XX/XXXX and purchased something for {$700.00} ( plus ) on XX/XX/XXXX. Walmart Mastercard Synchrony Bank could not tell me who opened the card or where the card was opened, however they asked if we had an Amazon credit card. We do not, but we do purchase through Amazon and they have had our credit card numbers. That was done on Sunday, XX/XX/2017 and today ( XX/XX/XXXX ) I had the XXXX County sheriff over to file a fraud 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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. 
CREDITOR : XXXX XXXX XXXXXXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX  XXXX Account # : XXXX CREDITOR : XXXX XXXX  Account # : XXXX CREDITOR : XXXX XXXX Account # XXXX 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 non-monetary relief
Consumer complaint received 2020-03-29
Company: NCB Management Services 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: Information belongs to someone else

Complaint:
I have been disputing the identity theft I discovered on my credit report. Most of the accounts have been removed but there are still quite a few that are still fraudulently reporting. They are affecting my score and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: 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 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 2017-05-23
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Notified my servicer on  XXXX   XXXX  that my property taxes where showing delinquent on the   XXXX   XXXX     county  tax assessors portal and I was receiving past due notices from the tax collector as well.     My servicer figured out that they had been paying my property taxes to the wrong property. On  XXXX   XXXX  I was told that they would fix this and make sure the proper account was accredited. It is now ov er one  month later and I have contacted the  XXXX   XXXX   County Tax Collector and they have no record of my servicer ever calling to fix the error or apply the funds to the correct property address or request a refund from the other homeowner that the taxes where in paid in error to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ditech has increased our mortgage despite our XXXX 2016 escrow payment of {$320.00}, which should have been applied to our escrow balance. The subsequent mortgage increase of {$27.00} has been paid timely each month yet we continue to receive harassing telephone calls and unwarranted overdue mortgage statements from Ditech Mortgage Company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: EQUIFAX, 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:
Mailed in a lengthy thorough dispute that went ignored by Equifax and XXXX, I also upload the same information using their uploading system. Since the law requires them to respond to my claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Please see attached documents that support my claim of identity theft. Please delete the accounts I've outlined in my dispute. The FCRA also states that I have the right to dispute inaccurate and incomplete information. These accounts are inaccurate and fraudulent. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
getting repeated calls from debt collection company, Bureau of Medical Economics ( that blocks their caller ID number, but I got the agent to give me their number : XXXX ) It is for a supposed medical procedure done by XXXX XXXX XXXX, XXXX that the company agrees is NOT a valid charge. They must have then sold the " supposed debt '' to this collection agency!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: OH
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 am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX # 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 2020-04-20
Company: EQUIFAX, INC.
State: GA
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 recently checked my credit report and found several accounts that were not mine. I am not sure if my information was stolen but I reached out to the credit bureaus and even the companies that were not mine but with no luck. I wrote letters and submitted documents to prove the accounts were not mine but the accounts are remaining. I also filed a complaint with the Federal Trade Commission but I am getting no resolution. I am listing the accounts below Account : Dates : Amount : Account : Dates : Amount : Account : Dates : Amount : Account : XXXX XXXX Dates:XX/XX/XXXXAmount : {$720.00} Account : XXXX   Dates:XX/XX/XXXX Amount : {$1500.00} Account : XXXX XXXX  Dates:XX/XX/XXXXAmount : {$8700.00} Account : XXXX XXXX Dates:XX/XX/XXXX Amount : {$100.00} Account : XXXX   Dates:XX/XX/XXXX Amount : {$30000.00} Account : XXXX XXXX Dates:XXXX Amount XXXX {$29000.00} Account : XXXX XXXX Dates:XXXX Amount : {$40000.00} AccountXXXX XXXX XXXX A DatesXXXX  Amount : {$1500.00} Account:09 XXXX XXXX XXXX XXXX XXXX   Dates:XX/XX/XXXXAmount : {$12000.00} Account : Dates XXXX Amount :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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: 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