BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: U.S. BANCORP
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Elan Credit Card was issued through a bank I have other accounts with. This bank merged with another bank and the automatic bill payment that I had setup did not process on time. I received a late fee and called Elan to explain to have resolved. The representative told me no problem you have never been late and we will refund. I explained, I can get the amount credited by Bill Pay as I have proof that it was Bill Pays error, not mine. She said not to worry and I left it at that. the next month, the new bank that has the Bill Pay who told me it would be setup did not make the payment again and I have another, higher late fee. Also, received a letter in the mail that my credit line is cut in half. I called Elan to explain that the first time was not my fault and if I had been told that not fighting to have Bill Pay held accountable that it would effect me in this way then I would have done so. I asked what I could do to get this corrected now. They told me I would have to ask for a credit line increase. Really! You just lowered my credit score because you cut my credit line in half and want me to let you run my credit report. No way! They told me there was no other way. I will pay the remainder of the existing balance and cancel this card. No way I should be inconvenienced for what was not my error and they should restore things to where they were before. I also had received a letter in the mail asking me to upgrade my card by XX/XX/2017 or they would inactivate it. Possibly the reason they lowered my credit line is because I did not respond to their offer.

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 2017-04-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have had my Sears account since XXXX and have gotten my updated cards regularly and do all my payments online and opted out of paper statements years ago. My card expired in XX/XX/XXXX and have never received a new card. When I called they said they were reviewing the account and I should know in about a week. Told me my available balance and said I can shop just have ID and my social security number. However, for about a year or so prior every time I logged on I had to verify the spelling on the card which I never had to do in the past. Also prior to my card inquiry sudden ; y I could no longer log on to make payments or check the activity on this account. It would not take my credentials. Nothing had changed. Called technical and we tried and tried no luck. Wasted an hour. So I had to make the payment over the phone. Every month thereafter same scenario and still no way to get access. Finally last month a representative stated that the reason was that I needed the new card information to create a new logon and that she would send out a new one. I made the payment over the phone that day and she waived the late fee since it was due the day before and I could n't get access. I still did not receive the card and all these months have had no statements or know if the balances were correct and just paying them blindly. This month I contacted them again and spoke to a supervisor and explained the situation and again no help. There is too much fraudulent transactions with these banks and I need to get this resolved ASAP.

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 2017-04-11
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On Saturday XX/XX/2016 I was promised via email by the Branch Manager of Prime Lending XXXX XXXX of the XXXX that I will be refunded for money spent for the termite inspection, appraisal and home inspection. As of today I have not received a refund but was sent a letter stating every excuse possible and no explanation on why I was told I would be refunded and so far nothing has been done.

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 2017-04-18
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began refinancing my home in  XXXX   XXXX . Prior to closing I received a tax bill from  the County  of  XXXX  for the amount of {$10000.00}. I questioned this an d the County ga ve me a corrected bill for {$2900.00}. I called Shellpoint Mortgage Servicing to question whether they would pay the correct amount. They assured me that prior to closing they would check and pay the correct amount of {$2900.00}. During the closing of my refinance  Shellpoint pai d the {$10000.00}. I had to put more money into the closing to make up the negative. On  XX/XX/XXXX   the County  of  XXXX  paid {$10000.00}, check #  XXXX , to  XXXX  Refunds,  XXXX   XXXX   XXXX ,  XXXX   XXXX  TX  XXXX . I began making calls to Shellpoint in  XXXX   XXXX  questioning where the refund is at and was told to call back in a week or so. On  X/XX/XX  I spoke with an  XXXX   (   XXXX   ) a t Shellpoint and also spoke with her supervisor  XXXX   XXXX  (  XXXX  ). I was told that  XXXX  had sent a large sum of money to Shellpoint with no attached loan numbers and that as soon as they, Shellpoint, could attach the funds with the accounts I would receive my refund. It is now  XXXX   XXXX ,  XXXX  and I have not received my refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am submitting this complaint because of the issues I have had time and time again contacting my lender throughout my loan modification process and I need help getting in contact with them not for the status of my appeal. 
I submitted an application for loan modification on XX/XX/XXXX and called several times throughout the process for updaters and was constantly told my loan was being handled by a different person in a different department and that they couldnt give me information about it. For example, I called on XX/XX/XXXX for a status update and was transferred around until I left a voicemail for XXXX XXXX requesting a callback. I did not receive a callback and couldnt reach any representatives at the lender until XX/XX/XXXX when I finally spoke with XXXX in the legal department who told me they denied my application because of the Percent of income needed to put into the home, and basically told me I cant afford my home and needed more income. They told me they made the decision on the account XX/XX/XXXX and that I only had until XX/XX/XXXX to submit an appeal. 
I ended up going out of my way to get the extra income needed to boost my overall income to help me fit into modification terms and I submitted an appeal letter to them on XX/XX/XXXX. Since then I have reached out nearly five times between XX/XX/XXXX and now and have not received any calls back or any contact from the lender about the status of my appeal. It is the most important time to get updates because once the appeal period ends then my home goes into active foreclosure and I am very afraid of losing my home.

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 2017-04-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I purchased a {$700.00}  CD f rom  XXXX   XXXX    XXXX   XXXX   XXXX   in  XXXX , which was to automatically renew, and opened a safety deposit box. I got sick and did n't turn in the CD and now find out that the bank was taken over by several banks that eventually beca me Wells Fargo in   XXXX . I need to collect my CD and find the contents of my safety deposit box. My son is still alive, but my husband has passed away. I have the original CD and my keys.

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 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like to dispute the account that  XXXX   XXXX   XXXX  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus for  XXXX   XXXX  as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit R eporting Act, 15 U.S .C. 1681. This account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to contact  XXXX   XXXX .   Thank you in advance

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX ( The original creditor was XXXXXXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and XXXX XXXX XXXX keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID. 

I have asked Transunion to remove this item.

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 2017-04-20
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Citibank fails to allow there customers to set up auto pay online. I have mailed in their form multiple times. There is no confirmation t hat the account is set up. Every other student loan company allows auto pay online, why is Citibank any different? When I 've called to confirm the auto pay has been set up, I 've been told the form was not received. This has happened 4 times. This is a mistreatment of their customers and I demand action be taking to assure that Citi student loan customers are treated fairly. It 's the 21st century. Auto pay is everywhere. It is time for Citi bank to join.

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 2022-04-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Had the worst experience with Jpmorgan. 
I had my account breached multiple times after they promised security in my accounts and they promised {$25000.00} per day max deposit into my account and failed to do so. 

I have lost all hope until consumer finance.please help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: MD
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 information was reported to the credit agency without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax and XXXX continue to show inquiries on my report that I did not consent to, nor benefit from. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2018-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX is a mobile app for investing in shares and I am trying to link my Capital One 360 account to the XXXX XXXX app, but Capital One is blocking my external link. 

XXXX is another a mobile app for investing, saving, and sharing. Capital One is giving me the same problem by not linking my bank account and card with XXXX  mobile app. 

I would like get this problem situation as soon as possible. 

Please advise, Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested via letter with necessary information a copy of my drivers liscence 2 pieces of mail correspondence to lift the freeze. On XX/XX/2019, I received a letter from ; Equifax information services LLCXXXX XXXX XXXX Georgia XXXX. Stating the following : dear XXXX XXXX XXXX this letter confirms Equifax processed your request and permanently removed the security freeze on your Equifax credit report. If you have any questions, you may contact us toll free at ( XXXX ) XXXX XXXX thank you for the opportunity to assist you Equifax information services LLC. The proble : they did not remove it they claim they can not find me in the system. I have called the above number 3 times I was put on hold numerous times to be told their system is updating. I also went on line twice and called another number many times and never was able to speak to anyone or given the option to unfreeze In light of their lack of service accuracy and their power over peoples lives they need government regulation I feel they are purposely infringement on my rights as a citizen I have lost the ability to rent an apartment over their incompetence I should have the right to sue them. I need representation to force them to correct their error my government should provide me with representation. Can u help me. XXXX XXXX XXXX XXXX Ky ( XXXX ) XXXX XXXX XXXX. Please respond ASAP Im going thru a divorce and need to rent an apartment. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Bankruptcy Information giving has been resolved but not removed attached is supporting documentations account has been discharged since 2014.

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 2022-04-30
Company: Source Receivables Management LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I didnt give anyone the right to share my information requested the company to send me something showing where I signed a contract for this service they have no right I have also send a letter to FCRA for violating my right also ask this company to validate information until then it needs to be removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Chase, my credit card company, sent my bill to collections in XX/XX/XXXX. The charge off amount from Chase was {$5400.00}, per Chase. XXXX XXXX, the debt collector, stated the amount owed was {$5700.00}, letter dated XX/XX/XXXX. Not knowing really how much the debt was, i made payments to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all in the amount of {$50.00} per transaction. I was unable to make another payment until XXXX, XXXX. XXXX XXXX is now stating I still owe $ XXXXand that they have no record of receiving any of my first 5 payments. They also can not explain why the amount owed is more than what Chase states I owe. I tried to resolve this with XXXX XXXX, with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
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:
XXXX/XXXX  is on my credit report.Someone tried to inquire credit. This is fraudulent. I have provided a police report and it still have hasn't been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: Eastpoint Recovery Group, Inc
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I had spoken to a young woman  a Eastpoint Group regarding my debt and explained that I do n't have the money right now. I further explained that once my tax return comes I will p ay off the debt. They continued to contact me and then began to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TransferWise Ltd
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Through Wise, formerly TransferWise.. On XX/XX/XXXX, completely after their 5 day process they put me personally through, giving them all my life info, ID, picture of ID, passport, passport photo with my face in photo, bank statements, proof of funds, my account was set and i initiated the transfer of {$14000.00} in USD to XXXX  pesos transfer to someone i've met in person and know. I sent the money to them on XX/XX/XXXX. It fully left my bank account. On XX/XX/XXXX i woke up to log in to my account which was blocked, de-activated and shut down without notice. Nothing to track my money, over 32 calls with these terrible customer service representatives who all had nothing to say or help, finally once said a refund was issued XX/XX/XXXX ... complete lie to get me off the phone,12-15 emails until tagging CC : XXXX and someone's name high up in the company i found online, they finally wrote in email said they are holding my money for 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In a chat conversation with  XXXX  who requested to do  a credit-check  ... I said yes to a soft-inquiry, and very clearly stated NO to a hard-inquiry.  XXXX  performed a hard-inquiry without my permission. Attached is the online chat session with specific instructions to  XXXX  NOT to perform a hard-inquiry. I want this hard-inquiry removed from all credit-bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Transunion has refused to provide me with information about an Adverse Account concerning my daughter even though I provided a legally enforceable power of attorney.

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