BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  are incorrectly reporting me ( 60 plus ) days late for XXXX, XXXX and XXXX, 2019 on the XXXX Bank partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX Bank wherein they provided me with incorrect information regarding the availability of escrow funds and due to this oversight, lates consequently were reported. XXXX Bank submitted a request to the bureaus to remove the negative credit reporting for XXXX, XXXX and XXXX, 2019. Unfortunately, the bureaus have not yet removed the lates that are still reporting. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Issue : - US Bank credit card was opened in XXXX XXXX : account XXXX - For 9 months payments were made on-time and frequently - One scheduled payment in XXXX XXXX was returned unpaid by my bank - immediately corrected - In XXXX XXXX, a second scheduled payment was returned unpaid by my bank - Due to this second returned payment, US Bank elected to close the credit card account completely - In doing so, US Bank confiscated XXXX reward points earned over the lifetime of the account, valued at {$2800.00} Notes to complaint regulator : - This is the third complaint I am filing against US Bank with various organizations - The credit card agreement of the above-referenced account clearly says that US Bank may close the account at any time for any reason - The credit card agreement also mentions that when the account is closed, all earned reward points will be forfeited - I therefore can not and am not disputing the contractual legality of US Bank 's actions - I am, however, filing a complaint on the basis of extremely unfair and predatory actions - While it is perfectly acceptable that US Bank may decide to close an account, I find it unfair and predatory that they should confiscate all reward points when doing so - I find that this may stem on a basis of false advertising : entice customers to apply for and utilize a credit card, allow them to earn rewards, then close the account at any time without paying on earned rewards - I am simply asking US Bank for a goodwill gesture to honor the reward points earned on my account. 
- In doing so, I would also like to alert the complaint regulator that such a credit card agreement policy ( all rewards are forfeited upon account closure ) can pave the way for such predatory practices against consumers such as I am experiencing. From my research, many other large banks have recently removed this policy altogether.

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 2021-04-21
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 a friend of mines sent me XXXX worth of bitcoin roughly {$510.00} in USD. Ive been using bitcoin features on my cash app for a year with no issues receiving or sending so i told him to send it to my cash app wallet address which is ( XXXX ). It suppose to change after every confirmed deposit. My friend confirmed with me with a picture that he sent it to that exact address and it had 3 confirmations. i have not received my bitcoin at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
On approximately XXXX/XXXX/15, I did a balance transfer to Firstbank Card. The offer from Firstbank Card was 0 % for 12 months, with a 3 % balance transfer fee. A few days ago while going over the the credit card statement from Firstbank Card I realized that I had a finance charge of {$160.00}. I called first bank so that they could explain. They stated that the balance transfer was at 0 % for the first month and thereafter at 16.99 %. I stated that was an error made on there part and insisted that they listen to the audio recording which took place during the initial transaction. On XXXX/XXXX/15, I was advised by a representative as per supervisor XXXX out of the XXXX, Nebraska office that the audio tape was indeed listened to and that I did agree to the terms that they claim. I am pretty upset as I feel as I was duped, being that I would never agree to such a transaction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I initiated an ACH transfer of funds in the amount of {$13000.00} from my brokerage account at XXXX to my joint savings account with my husband at Bank of America. After not receiving the funds in my Bank of America account, I discovered that I had entered a wrong digit on the Bank of America account number I provided. I called XXXX which attempted to recall the funds but the recall was unsuccessful. I'm told that as an industry rule, recalls are not honored if not within 5 days of the initial transaction. XXXX advised me to reach out to Bank of America directly. My husband and I spoke with a supervisor, XXXX XXXX ( XXXX ), who essentially advised there was nothing he or Bank of America could do to help us retrieve our own money. He refused to even advise if the wrong account number I had entered was a valid account, and could not articulate a reason why Bank of America could resolve this internally with its other customer who received our money in error. Each of the institutions we spoke with ( XXXX and Bank of America ) have advised after numerous back and forth calls that we need to resolve the matter directly with the other institution. Our money is being held XXXX by Bank of America, without any good faith effort to resolve or even suggest a solution.

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 2015-07-15
Company: U.S. BANCORP
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Payment reported as late but mailed in plenty of time. Late charges were reversed, but my deceit report showed 30 days late. I want the 30 days late removed from my credit report. 

Thank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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:
I disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( XXXX, Equifax, and XXXX XXXX XXXX that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Consolidated Recovery Group, LLC
State: FL
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:
Consolidated Recovery Group is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX, they are reporting an address of XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX when that address is no where on their website and I never received a response from the dispute letters I sent them. How can they have different address on the credit report and website but their website shows the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX 1. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XX/XX/2011 which is wrong. 

3. I attached the dispute letter that I sent them but they failed to properly validate this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Balance transfer fee

Complaint:
INTRODUCTORY RATE OFFERS WAS MISLEADING. DID NOT DISCLOSE ALL FEES. STATES 0 % INTRODUCTORY RATE FOR BALANCE TRANSFERS. BUT THEY CHARGED A 3 % TRANSACTION FEE WHICH IS NOT DISCLOSED ANYWHERE ON THE OFFER PAGE. HAD I KNOWN OF THIS UNDISCLOSED FEE I WOULD NOT HAVE DONE THE TRANSFER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
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:
I'VE BEEN DEALING WITH THESE ACCOUNTS THAT I DID NOT AUTHORIZE FOR SEVERAL MONTHS NOW AND THE CREDIT BUREAUS ARE STILL REPORTING THEM ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for chapter XXXX bankruptcy in XXXX but the confirmation was denied and the case was dismissed. I recently confirmed that the Bankruptcy public record was removed from my XXXX and XXXX credit reports but not from Equifax. I submitted numerous online disputes which returned as being reported correctly. I called Equifax to find out why the public record was not removed as were XXXX and XXXX. I was told that Equifax does not report according to what is on the other major credit reporting bureaus. Equifax insisted that the public record will remain on my report until XXXX. I have suffered much hardships due to my credit report over the years. It has been a long road to recovery for me over the years in reestablishing my credit. I am pleading with CFPB to assist me in clearing this public record from my personal credit report so that i can move on with my life. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ive contacted US Bank several times requesting a payoff statement. Im told each time that it will be sent but I never receive it. The only recourse Ive been provided is to keep requesting my payoff statement over and over. US Bank is the worst mortgage servicer and I hate that my mortgage was ever purchased by this XXXX institution. I want my payoff statement so I can sale and move on from this nightmare of a so-called bank.

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 2016-11-24
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am selling my home with an FHA mortgage. I have never defaulted on the loan and, as far as I 'm aware, all MIP payments were submitted from my escrow account on time. The closing date for the loan is XXXX/XXXX/XXXX ; I have made the XXXX payment on my loan. The MIP asked for in the payoff docs were {$530.00} My MIP monthly amount is {$270.00} so it is not quite two monthly payments. I was confused by this amount so I called the loan services. When I spoke with a loan counselor she said I was to pay one month MIP in arrears to make up for not paying on the mortgage for the month after funding. One month made sense until I looked at the XXXX closing docs for the loan. In it, two months of MIP reserves were collected at closing. Now the entire amount seems unwarranted - in fact I may be owed one month 's worth of the premium. I called the HUD line for clarification and they did say the lender was not to be charging MIP on the interest in arrears. I called my loan servicing company and requested to speak with a supervisor ; was only able to leave a voicemail and that person has yet to return my call. 

In a separate issue, I 'm being asked to pay one more month of interest " in arrears ''. It is the regular current interest payment on my loan and this seems right but I wanted reassurance from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: WA
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:
There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: United Student Aid (USA) Funds
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I live in XXXX, Louisiana. The local university due to federal funds has eliminated some degree programs. My XXXX degree in a poverty/low living wage state and XXXX of the most unhappy places to live in the United States. Collegiate education lender 's have hired a preditory attorney debt collectors to garnished my wages. Their fee has been added plus several other debt collectors. The terms is to end year 2021. I am stuck with a useless education, working in a state which provide living wages for a few and I can not pay for the systems traps that they lay for the common people.

Company response to consumer: Closed
Consumer complaint received 2015-09-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have atempts on different ocasions to get a mortgage loan modification from SLS, LLC. I submitted a loan modification through XXXX XX/XX/XXXX and I received no response from SLS, LLC. Once again I attempted to file another loan modification on my own, I sent all the documents that SLS, LLC requested and I did not get a response. XX/XX/XXXX I filed another loan modification through XXXX with no response from SLS, LLC. I received letters from SLS, LLC stating that I was assigned a representative but every time I would call SLS, LLC I would get a different person that offered very little assistance if any at all. 
Since I was not able to get a loan modification SLS, LLC started to foreclose on my home. I had to hire an attorney and file chapter XXXX bankruptcy. I now pay {$2000.00} for my mortgage and another {$1200.00} to a trustee for 60 months. I have been paying this since XX/XX/XXXX and these payments have put a financial strain on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Account was removed from account and then it repapered.

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 2016-02-19
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered an internet service through XXXX XXXX XXXX and the service was disconnected after one month due to incomplete installation ( cable was cut by HOA, XXXX XXXX XXXX did n't bury the cable in front of my house ). 
I paid their service fee and returned equipment to Texas office and I do n't owe anything for them. 

When I call XXXX XXXX XXXX and try to resolve this payment issue, they transfer to different dept which is not relevant to this issue and try to waste my effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$6000.00}, {$3100.00}, {$1200.00}, {$1100.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We have a lease with Honda. XXXX account number XXXX. We turned the car in XX/XX/XXXX. I called the county and paid the amount owed. Honda had paid the entire amount due. XXXX XXXX VA then issued Honda a tax refund check ( for XXXX leases ). The check was cashed by Honda. XXXX was XXXX of the lease 's on the refund check. Honda is wanting us to pay this amount even though with the refund check they actually owe us {$17.00}. I have submitted the information to Honda on XXXX separate occasions the date of the check the amount of the check and the leases that were affected for refund on this check from XXXX VA treasurers office. The check has been cashed by Honda. If we were not credited for the money are there XXXX other tax payers and leases that have not received. Now they want to report this on our credit report. I have called and called. I did get a case number at Honda today XXXX the number I called was XXXX ) and my case number is XXXX. The customer service people have told me repeatly that someone from the tax department is going to call me but they do n't and they do n't credit the account. They now are also asking that we pay the {$35.00} balance for the tax even though XXXX has sent them {$53.00} to credit to this account. The actually owe us money. Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Crossroads Systems Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved for PPP round 1 on XX/XX/XXXX. I have my loan #, etc. Capital Plus Financial is my lender and still hasn't sent me my Promissory Note via DocuSign.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Pinnacle Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection XXXX submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Franklin Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I paid {$90.00} to Franklin collection services, inc. via the pay online feature of their website. Since Id never received mail from them, I did not have an account with them. In the account field, I put my SSN. Franklin saying they have no record of my payment because I did n't use an account number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Manhattan Beach Venture, LLC
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX This number keeps calling me and saying they will expunge my student loan debt thats over XXXX, Ive gotten over 15 calls the past year.

Company response to consumer: Untimely response