BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-13
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Representative, On X/X/2017 I called this servicer and spoke to : XXXX XXXX with no call backs concerning the Modification application submitted. Was told that it would be uploaded into their system and he would call back on X/X/2017 @ XXXX XXXX. Since then I have left several messages and no follow through by the servicer concerning this matter.
This is unethical and unprofessional. I need a call back soon. Also, need to know were to make the payments to them or XXXX XXXX XXXX. Who is servicing the account?
XXXX seems not to be aware of the account so we need to clear these issues up!
Respectfully yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I hold a checking account with citizen bank which used to be XXXX and recently they have taken {$2000.00} from my account without my consent and my authority and didn't even bother to send me the letter before they took the money out. 
When i called them they said someone from the bank employee in the counter service has deposit the money into my account with an error 1 year ago when it used to be XXXX and now the XXXX was bought in by Citizen bank they took the money out. They money never came into my account and all our banking services, mobile banking, internet banking, ATM services were all closed and i couldn't even verify the trasaction. Now the citizen bank is not listening to it's customer and every weeks it's charging me the service fee of {$30.00} and {$9.00} from my account, which is very unethical and unfair. Please i want you guys to help me out and take the action against the bank. 
Ref : Claim number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Today I got a email from XXXX. That a company named XXXX XXXX this is identity theft never opened this account never delt with them. They need to take this off. This account is not mine

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 2022-10-25
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I keep track of my credit reports and scores on a regular basis. 

So, when I paid off a credit card, I received great news from XXXX and XXXX that my score had increased. : ) So, what's the problem?? Equifax dropped my score by XXXX points when I paid off my credit card. 

XXXX XXXX. Made a payment. 
XXXX XXXX. Made a payment. 
XX/XX/XXXX Made a payment ( paying off the credit card ) XXXX XXXX. No change to my credit report XXXX XXXX. XXXX reflected on my credit report. 
XXXX XXXX. Equifax reports card balance is {$0.00} and drops my credit score XXXX points XXXX and XXXX, raised my score by XXXX points. Equifax went down. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian credit bureau XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXXXXXX XXXX  XXXX, NC, XXXX, XXXX XXXX XXXX**** Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, XXXX XXXX, NATURAL PERSON AND FEDERALLY PROTECTED CONSUMER, applied for a credit limit increase with Capital One. They denied me XXXX XX/XX/2021. This seems like unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX Equifax decided to randomly dropped my score by XXXX points. Alert I received for the change was that a remark was removed from a XXXX account. The remark removed was account previously in dispute- now resolved by data furnisher. This account was always a positive account, Im Trying to wrap my mind around how can a dispute remark whether added or removed, drops one score by so much?! What you guys have been doing to people and able to get away with is sickening and despicable!!! Im in the process of doing a mortgage, and this will impact the process. You dont dont just randomly drops someone score by so much and use a XXXX reason to doing so. XXXX points is a lot!!! Count your days, justice will prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CITIBANK, N.A.
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:
Attention : XXXX XXXX Dear XXXX, I have contacted you about this matter recently and I disagree with you declining that this inquiry is mine first of all. I wo n't allow you to accuse me of something on my credit file and I told you i am not aware of it. Prove the verification process and the proper protocol you took please. This is my final attempt to send you this goodwill letter to remove the inquiry immediately or your company will pay the consequences when I contact my lawyer so we can take immediate legal actions for accusing me. Under FCRA the consumer has the right to dispute information that does n't belong to him or her. You ca n't tell me it 's mine and I 'm disputing it. I was recently affected by the XXXX XXXX XXXX and my information was also leaked and someone used my identity.

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 2020-01-19
Company: EQUIFAX, INC.
State: IA
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 following credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX/XXXX/XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, Using my Paypal account, I sent {$850.00} to my son. He never received it. 
I used the Contact in my Paypal account labelled " XXXX ''. This contact was previously used successfully on XX/XX/2022 to send money to my son and stored in my paypal account. Instead of going to my son, it went to another account that was impersonating my son with the same name and initials. 

I have attempted to resolve this with Paypal and the case ( XXXX XXXX was closed by Paypal saying there was no fraud or unauthorized transaction. I have requested further information such as an explanation as to how the Paypal account and email behind my Contact " XXXX '' could of been changed without my knowledge. I have asked for the logs as to when this change occured and by whom. Paypal will not allow me to re-open the case to gather this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
I am writing again in regards to the inaccurate and unknown items on my credit report. It has been over 30 days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Genesis FS Card Services, Inc.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I received a text from my credit card company alerting me to fraud. I immediately logged onto my account and saw several charges dating XXXX. I then called the fraud department for Genesis FS Card Services ( Indigo Credit Card ) and told them that these charges were no authorized by me and I had no idea who the companies were that charged my card and needed to get a new card number and dispute the charges as fraud. To this date the dispute has still not been resolved and I have had to call the credit card company twice a month. It has been almost 5 months of this. I have not received a case number, I have not received any letters or notifications acknowledging the complaint and it has been longer that 90 days. I have called Indigo Credit Card ( Genesis Bank ) on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm trying to submit a payment online and I'm deliberately getting locked out so I can not submit the payment on time which will cause interest and fees without speedy support from US Bank. This has been open since XX/XX/2018. Today XX/XX/2018, I'm told to wait for a PIN to be mailed to my house. What's the point of making me waste so much time? I'm not paying any late fees nor interest. If I can not access the account, I'll consider the account paid off. 

I'm not receiving the texts, I'm not given the option to receive email codes like all other banks do which I have accounts ( XXXX, XXXX, XXXX, etc. ).

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 2022-10-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We didn't receive any special letters or notice from opening the account to closing it. However, " Apple Card / Goldman Sachs '' keeps on mailing " {$0.00} balance '' statement to our mailing address. We already are aware that the balance is at " {$0.00} '' but what is " Apple Card / Goldman Sachs '' trying to achieve now/later/etc by keep on sending statement letters? Again, we didn't receive any special letters or notice from opening the account to closing it. ( Despite requests to stop mailing those unnecessary statements. It's becoming one of spam letters to be discarded ). Shall we mail a letter that includes SSN for confirmation to stop these statements? Is " Apple Card / Goldman Sachs '' able to simply turn off this statement from being mailed month-to-month?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am paid twice a month, on the XXXX and on the last day of the month. I pay my mortgage on the XXXX of every month. I used to pay it on the XXXX of every month, but when I did that Flagstar Bank applied the payment to the prior month as an extra payment towards principal, reported me to the credit bureaus as being late on my payments, sent me to collections, and charged me late fees. Yes, they charged me late fees for paying my mortgage payment 10 days early!!! 

Now they are harassing me for being late on my payments on the XXXX of the month almost every month. I am within the contractual dates to pay my mortgage payments in full. Not only am I paying in full, I am over paying every month! My mortgage payment is {$1100.00} and I am paying {$1200.00} with the additional {$45.00} going towards principal. 

I didn't get my mortgage with Flagstar Bank, I opened it with a different company and everything went smoothly for the first two years I owned this house. Then Flagstar bought my mortgage and I have had nothing but problems with Flagstar since then. I'm not going to spend XXXX XXXX dollars to refinance with another bank when Flagstar can simply buy my mortgage from that other bank and start harassing me or charging me late fees when I'm paying my mortgage on time again.

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 2022-12-26
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Debtor agreed to payment agreement accepted funds and.senr yo.treasury to take.offsets. agreed sent.in.XXXX however not given.full.credits.for funds sent and sent to Transworld Systems Inc to date offsets being taken from social security and retirement. Benefit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I asked for a C.a.r.e.s. act forbearance on my loan and it was granted for 3 months. After 3 months I received a letter stating that the forbearance was automatically extended for 6 more months. During the Cares forbearance XXXX continued to bill me of which there is a current class action lawsuit. Due to the fact that they kept billing me I wasn't sure if I was delinquent or not because of the frequent bills coming in. The mortgage company never told me exactly when my forbearance was over and they then reported me 30 days late to the credit bureaus in XXXX XXXX which damaged my credit rating severely. I need XXXX to remove the 30 day late from my report. I am currently current on my payments after finding out exactly what was going on due to the companies negligent billing practices. 

XXXX also added a 3rd party insurance policy to my account even though I faxed them my current condo insurance twice and uploaded it to their website. I need this insurance premium refunded to my account as I was already insured and provided proof 3 times...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: 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 XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Today I got a email from Experian. That a company named XXXX XXXX this is identity theft never opened this account never delt with them. They need to take this off. This account is not mine

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 2022-08-03
Company: MORTGAGE SOLUTIONS OF COLORADO
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My wife and I closed on a home on XXXX XX/XX/2022 on a fixed rate. I am XXXX XXXX XXXX veteran my home of record is Alabama. We purchased in Alabama because we would be exempt from taxes. Ever since we closed every month my mortgage has been a different amount, not to mention I'm still paying taxes every month. I've faxed in my paperwork with the parcel number to Mortgage Solutions, they told me it was up to their company whether or not I'm tax exempt and I have to fill out paperwork and it would take up to 6 weeks before I get an answer. None of this sounded correct so I called the closing lawyer ( will not return my call ) to make sure. I served my country, and I would like answers. I don't mind paying if I owe it, but none of this seems fair to me and I want to know where my money is going, why have my mortgage not been the same amount since my first payment all the way to this month ( XXXX ), and why is it up to the company if I'm tax exempt, when it states that as long as I'm a Veteran and I purchase in the State of my home of record ( Alabama ) I should be tax exempt. My mortgage is supposed to be {$1900.00} ( including insurance ) before tax exemption, after it is supposed to be {$1900.00}. I paid {$1900.00} once my first payment in XXXX. The lawyer gave me these vouchers to send in with my payment they won't accept them. The payment I made with the voucher was never applied to my account until XXXX where I had to pay {$2000.00} After I get letters in the mail, I owe {$3900.00} for XXXX, XXXX, and XXXX after making my payments on time. I got another for {$1900.00} then I get 1 for {$2100.00} starting XX/XX/XXXX, now I have 1 for {$2000.00} ( I paid this month, XXXX ). During this process I'm getting more mail from them stating my account is 30 days delinquent on top of all this I'm still being charged taxes. I'm just trying to get an understanding on what's going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Funds in the amount of {$79.00} was fraudulently stolen from my account on XX/XX/XXXX. The bank ( USAA ) initially reimbursed the funds on XX/XX/XXXX but took the funds back on XX/XX/XXXX, based on their investigation that said, " We can validate members information to the merchant documentation provided name, email id, and previous history with merchant. '' This is silly because thieves do not pull your name out of a hat, they link your account with the merchant. In my case, I did not place the fraudulent order but have in the past when my dog was alive. He passed away XX/XX/XXXX. 

However, I called the merchant " XXXX '' today at XXXX hours and spoke with a woman by the name of XXXX. She did not have my updated e-mail address on file. I had to give her my old email address to look up the account, so with that said, USAA said that they verified my email address with the merchant, but the merchant ( XXXX ) did not have my current email address at the time the money was fraudulently stolen. 

Due to several charges that led up to the amount of {$79.00} ; XXXX advised me that she would need the total of each amount and the date and therefore could not retrieve the information I requested, which was where was the order shipped to? 

I need my money reimbursed back into my account ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
My XXXX XXXX XXXX sent me a credit alert, stating a credit card balance over {$500.00} from XXXX XXXX, which I do not have. Someone mustve used my personal info to open a credit card account under my name. I went to a local branch, but they dont see anything strange under my name. The only business I ever did with XXXX XXXX was a balance transfer, which I paid off long ago. I never opened up any credit card accounts after that. The alert even showed I had a change of address, which I obviously didnt. This fraud account has dropped my credit score over XXXX points and its concerning me, as I work VERY HARD to pay all my accounts on time every month.

Company response to consumer: Closed with explanation