BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX we purchased a home. As a first time home buyer I was thrilled. With the type of loan we have, we legally have to escrow our home owners insurance and tax. At some point in mid XXXX, US Bank stopped escrowing for insurance without notifying us or doing so with our approval. We were then contacted by our insurance company letting us know they have n't received payment from US Bank and if this issue was not resolved we would face cancellation of our policy. Many phone calls were placed by us and our financial advisor to try and rectify the error made by US Bank with no success. Now in XXXX XXXX we have received an Escrow Shortage Coupon for an extremely large amount US Bank is needing us to pay for the difference from when they stopped escrowing. We are not disputing that an amount needs to be paid, but are upset with the financial hard ship we are facing with this increasingly high payment due to their error. We called today, XXXX XXXX, XXXX and they gave us 2 options. Spreading that amount over 24 months but still leaving us with a very high payment we are going to have a very hard time making, or doing a consolidation process that will effect our credit. I am not comfortable with either because like stated above, the 1st option leaves my husband and I in a tough spot with trying to make up that higher payment all the while having to feed and care for our XXXX children, and the 2nd effects by credit which I do n't feel comfortable doing either because this was all fault of US Bank. We are a law abiding family of XXXX. My husband and I XXXX in our XXXX as he is a XXXX and I am a XXXX XXXX for our XXXX XXXX. We understand people make mistakes, but the one made by US Bank has left us in a financial crisis and we are hoping and praying this can be taken care of as soon as possible. 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 monetary relief
Consumer complaint received 2021-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/21 I deposited a check issued by XXXX on behalf of XXXX for a settlement i received. The check was for XXXX. The following morning the full amount was available and reflected in my balance. I decided I go look at some used cars as the settlement was from a car accident where I was rear ended. I contacted wells fargo around XXXX and asked to have my daily purchase limit changed to XXXX so I could purchase a vehicle. The rep said that was fine and said I could go as high as the available balance which was around XXXX, I told her the XXXX would be enough and went about my day. About 30 min after the call I logged back onto my acct and noticed the check was no longer reflected in my balance and was now on hold. I called Wells Fargo and was told that the issuer of the check had flagged it for some reason. I was told to contact the issuing bank. The following mon XX/XX/21 I reached out to XXXX who reached out to their bank ( XXXX ). The following Tuesday XX/XX/21 i received a high alert email from Wells Fargo saying the check was being held for " confirmed fraud '' I immediately called Wells Fargo and was told that the issuing bank ( XXXX ) had returned the check for fraud and that it would be held until the XXXX because there would be another attempt to process it on the XXXX at which time if it is still flagged it would be returned. The next morning XX/XX/21 i received an email from XXXX  that included correspondence with XXXX. XXXX stated the check was never flagged, it was never returned and that it was processed and the funds had been released to Wells Fargo as of that Mon XX/XX/21. XXXX included the ledger showing the funds had been released and that Wells Fargo had the money since XX/XX/21. I contacted Wells Fargo again and asked to speak to a higher up. The rep I spoke with confirmed that Wells Fargo had the funds and he did not understand how the check could have been flagged for fraud when the funds were already released. He also said he did not understand why I was being told to contact the bank that issued the check when they released the funds immediately and had placed no holds or disputes. Here we are a week later, my funds are still being held, I've missed out on 3 really good deals for cars and I'm beyond mad. I have copies of the correspondence from XXXX XXXX including the ledger showing that the funds were released immediately and there had never been a hold or flag for fraud. Let me know if I can provide you with any information to help you 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 explanation
Consumer complaint received 2022-03-12
Company: ALLIANT CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have called Alliant bank to request to close these fraudulent bank accounts that was open in my name. I receive 10 different notices and file a report on XX/XX/2022. This is a bit disturbing and not understandable that this has not been corrected as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
State: NC
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:
This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to Equifax three times. On the third time, they sent the complaint to XXXX XXXX XXXX XXXX. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from Equifax and a letter from XXXX XXXX XXXX XXXX proving that I paid the loan off in XXXX 2011. The loan originated in XXXX 2011, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with XXXX XXXX XXXX XXXX. The person I spoke to told me the loan was not properly closed when I made the XXXX payment. This error has to be corrected. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: SYNCHRONY FINANCIAL
State: DC
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:
On XX/XX/XXXX, I noticed two charges on my XXXX XXXX XXXX XXXX ( XXXX XXXX ) in California that I did not make : The charges included : -A charge on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX XXXX XXXX CA -A charge onXX/XX/XXXX : XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX CA I called ( XXXX ) on XX/XX/XXXX at XXXX to report fraudulent charges on the card. The person who responded cancelled the card and said a replacement would be sent. They also said an investigation would begin into the fraudulent charges. I explained that I did not travel to California and no one else had access to the card which I still had in my possession. I called ( XXXX ) again onXX/XX/XXXX to report an additional fraudulent charge on the card to inquire why the charges from the previous called had not yet been removed. The new fraudulent charge was : Date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA The individual who answered the phone noted that they were investigating the charges on my 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 non-monetary relief
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: MO
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 sent a letter to XXXX XXXX for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from Missouri courts stating they do not report info to XXXX XXXX nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO

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 2017-06-20
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an update to my complaint previously submitted. Seterus refuses to send me monthly mortgage statements. It is the law that the servicer must send me monthly mortgage statements. They refuse. Attached is a letter stating they are sending me payment coupons. Sorry, this is not in compliance with the law. I do not care what their policy is, send me the monthly statement! I have a right to know how my money is being applied to the loan and whether it is being done correctly. I have a right to see the impound account and what is being paid out on this loan, along with itemization on the loan balance I do not want a coupon book where the service company is not showing what is going on with this loan. Comply with the law!!! Send me the monthly statements, not a coupon book.

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 2021-06-02
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the false charges be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclsed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: IN
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've never done business with XXXX XXXX XXXX I've been disputing this account several times attempting to remove this fradulant item from my experian credit report and they refuse to remove the item. I've repeatedly informed XXXX XXXX XXXX and Experian that I've been a victim of identity theft and I've never done business with them and none of these entities has tooken action to resolve this issue which is affecting my life and my families life. They've broken the law and has caused me to lose opportunities to access funding for my business and credit cards for personal use

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX $ XXXX/date over 6 years the second one portfolio recovery for XXXX  {$650.00} was victim from fraud in the past 8years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: PA
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 repeatedly contacted Experian about an inaccurate account that's reporting on my credit file. After several attempts of trying to find out who they verified this information from, they finally told me they verified the bankruptcy that's reporting on my account with XXXX XXXX. I called XXXX XXXX to see if Experian had reached out to them about a dispute and they said that Experian did not reach out to them at all to inquire about my credit file. They also confirmed that I do not have a bankruptcy reporting on both of my credit files with them. XXXX XXXX said they would send out my new credit file to Experian so that they can update my credit file and remove the bankruptcy. They also said that Experian shares a database system with them so Experian can update their files, but often times they do not. I called Experian on XX/XX/2022 to explain this to them and they said that XXXX has to send them an electronic file so they can update my credit file. XXXX told me that they sent out my dispute and new credit file in XX/XX/2022 to Experian and Experian has received it, but has yet to respond to it. This is completely detrimental to my livelihood. I have an account thats reporting inaccurately on my credit report and I have proof thats its inaccurate and Experian will not remove it. This is unfair and a violation of my consumer rights according to the FCRA. I have shown verifiable proof that this account is inaccurate and Experian is ignoring the proof and they are not doing a proper investigation.

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 2020-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 signed up for the COVID relief plan with Bank Of America and received a total of 6 new late payments being reported to my credit from XXXX. The program was to avoid this. I have sent several emails, left my contact information, and even a previous complaint with CFB. The company responded that it will look into my case but no one returned my calls. Their executive office number they gave me thru this message complaint never returned any phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24
Company: Norwich Commercial Group, Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on our refinance in XX/XX/XXXX with a first payment date of XX/XX/XXXX. I paid the mortgage per the first payment letter received during the closing. Shortly afterward I received a notice that I owed additional funds. After multiple calls to Norcom I discovered they were escrowing for my homeowner 's insurance. My closing paperwork clearly states homeowners insurance was not to be escrowed as I pay this separately. I submitted proof of insurance, but never received feedback, as promised. I continued to receive notices of non-payment and now I have been referred to their debt recovery unit. I spoke to someone on XX/XX/XXXX and they indicated my request to not collect escrow for homeowners was denied for another year. I was never officially notified of this. Their practice is in violation of a legal contract I entered with this mortgage servicer. They have not adequately and fairly responded to the clear legal evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card that is linked to Costco. I do not use this credit card, although since it is linked to costco when my memebership fees came due, the credit card was charged. The bank account linked to my credit card I had closed. I had forgotten that this was linked. I had closed the bank account because it was related to a business that I had also closed. The auto payment was returned and the credit card charged me 2 fees for the next billing month of XXXX. I did not receive any mail notification as the address they had on file was incorrect. I have been charged a late fee for the last 5 months, that have now exceeded the cost of the original purchase. The only reason this came to my attention was because of a phone call from the company. I called and they said they could remove 1 late fee. I called back to see if there was anything else they could reverse, and now they transfer me and hang up on me. I was cordial on the phone, but it seems they have somehow " flagged '' 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 2017-06-15
Company: American Credit Financial
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a voicemail on XXXX XXXX, 2017 from XXXX XXXX w/ XXXX XXXX XXXX advising that she received documentation in her office w/ the name XXXX & her SSN. XXXX is a former coworker of mine. XXXX XXXX indicated on the voicemail that if XXXX did not contact them they would serve me and another former coworker. Today, X/XX/2017, while at work, I received a call from XXXX XXXX advising that I would be served if XXXX did not contact the party that sent the request to her office. She provided a phone number XXXX & case number. I advised her that I have never cosigned for anything of XXXX 's so I should not be listed. I called the number & was advised it is for American Credit Financial. They refuse to provide information to me.They only insist that XXXX call. They, American Credit Financial & XXXX XXXX XXXX, are acting in a very threatening way as the voicemail indicated they would attempt to serve me at my job & home. They refuse to advise if I was simply listed as a reference or if I am responsible for a debt. Please help because I can not make the debtor call when they clearly do not want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted and blocked from being reported to credit file are listed in the report I am a victim of identity theft and did not make the change. I asked that the items be deleted and blocked to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible, thank you for your time.

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 2021-09-24
Company: Amsher Collection Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Amsher Collections Services on XX/XX/2021 and they responded with a bill attached stating I allegedly owed {$1500.00}. The amount appears to be incorrect as my last bill with XXXX was a different amount of {$1400.00}. Why is Amsher reporting inaccurate information? Im skeptical that the company can not accrue interest or else the debt is not owed to this company at all. Then they attached a bill they sent to an address in Georgia. I live in Kentucky. Doesnt seem to be a reputable company if its inaccurate! I want it removed immediately. This company has been very aggressive and harmed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation