BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Responding to a letter dated XX/XX/2019 from XXXX. XXXX US Bank customer Advocacy. In this letter of explanation and justification of allowing US Bank to request Two months mortgage payment before the grace period of 15 days is up ( early issue of mortgage statement ). Which is before a delinquent periodic payment has happened ( incurring late penalties )? Using mortgage banking terms or internal process as part of the 15day grace period, afforded to US Bank Servicing ( yet out of the customer hands ) in effect, do not appear to be per the loan documents and may most likely reduce the grace period at the pleasure of US Bank servicing. It will further allow US Bank justification of collecting late fees for internal process and or common used mortgage terms applications, not common to customers, blaming these processes of a customer mortgage payment being processed beyond the periodic payment period ( late fee after 15days ), justifying collection of a late fee. The loan documents periodic payment becomes past due, or when a late fee may be assessed, on the 16 day following the due date of the 1st. This is stated not only by their loan officer but on the Federal Truth and lending documents as well as on the loan documents themselves. Payments are deemed received by lender when received at the location designated in the note or at such other location as may be designated by lender in accordance with the notice provisions in Section 15. This letter in effect, directs further loan requirements not on the signed loan documents, but rather on the back of US Bank servicing department payment stub which limits or inhibits the 15 day grace period allowed with the loan documents. The 15 day grace period apparently includes industry servicing mortgage terms and or internal processes ( which the consumer has no control over ), according to this letter.

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 2019-12-17
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XXXX Dovenmuehle fraudulently purchased home insurance on my property and is forcing me to buy home insurance. My LTV is at 45 % .Due to the fact my loan was sold to XXXX XXXX shortly after obtaining mortgage in XX/XX/2016 I am not required to carry private home insurance when LTV is at 80 % or less. 

The extortion, fraud and harrassment need to stop now!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The credit card company discover filed a law suit against me for XXXX on a time barred debt. I live in Maryland where the statue of limitations is 3 years the account closed on XX/XX/XXXX law suit was filed XX/XX/XXXX. I called them to try to make a deal to avoid court but by doing this It violated my rights by reinstating the old debt because it is illegal to file a law suit on a time barred debt ( I did not know this at the time ). The company discover broke the law to get me to contact them about the time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called to discuss lowering my payments to an amount I could afford. Was told to fill out numerous forms online or create an account on Navient to do so. I stated I can't afford the amounts they keep suggesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.

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 2021-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted XXXX disputes with XXXX, XXXX Disputes with XXXX, XXXX disputes with Experian regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a " SIGNED CONTRACT '' by me, Per the F.C.R.AXXXX CREDIT XXXX has had XXXX different occasions to produce such documentation if they had any, I have yet to receive such a contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report XXXX If XXXX could not verify this account per the F.C.R.A, How are XXXX and EXPERIAN doing so? XXXX XXXX XXXX LETTER, XXXX XXXX XXXX - XXXX letters, XXXX - XXXX letters, XXXX - XXXX Letters Experian - XXXX Letters

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 2017-09-15
Company: EQUIFAX, INC.
State: NY
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:
I was informed that Equifax had a breach of personal information and my personal information my be one of many that was distributed out and overseas. I will like to know, how is this situation going to be handle? Releasing personal information that can damaged someone credit and Identity is incriminating and outright disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
State: PA
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:
Citi Platinum Select MasterCard has left me responsible to collect on a dispute for {$1800.00} with XXXX XXXX XXXX Im XXXX, NY who is fraudulent in practices and never completed contracted work that was paid on Citi card. After back in forth since XXXX I contacted XXXX to help in resolving issue with company since Citi decided that I had to take personal action in obtaining refund from company who is non-responsive even before the COVID-19 pandemic. I spoke to Citi a couple times about my issue with how they handled the dispute even making me pay for an additional company to to do and estimate on the work that was not done at my own expense. I have asked Citi to suspend/freeze or place a hold on my account because the only amount I owe is the disputed {$1800.00} to avoid paying interest on disputed charge until the issue is resolved which during the pandemic businesses are closed and I am still responsible to keep my account current by paying interest to avoid default. Citi customer representatives act as if they are taking my information to reopen my dispute which they have not and place me on long holds only to disconnect me which is terrible business practice and abuse of power. I am totally disappointed at their tactics for me to submit to their will to shut me down and not be active in the fight for what is right, just and to protect my financial status. Citi as company behavior is in handling dispute is very low down and foul.

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 2016-08-08
Company: The CBE Group, Inc.
State: OH
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:
RE : CBE Account # XXXX XXXX Account # : XXXX Account Owner : XXXX XXXX To Whom it May Concern : The collection of this debt is related to the return of a mobile device to XXXX XXXX ( " XXXX '' ). I obtained a new mobile device pursuant to the terms of warranty agreement related to XXXX Account No. XXXX and was instructed to return the defective phone to XXXX. This account has now been closed, but I am still a XXXX customer under another account number. 

After confirming the address for the return with XXXX, the phone was returned to the XXXX XXXX XXXX XXXX in XXXX XXXX, Texas via XXXX XXXX, Tracking No. XXXX XXXX XXXX, and was delivered on XXXX XXXX, XXXX at XXXX XXXX. The XXXX XXXX label and tracking information can be provided. 

Wanting to allow for time for the return to be processed, on XXXX XXXX, XXXX, XXXX was contacted directly to confirm that the phone had been returned and that the account balance reflected that {$0.00} was due. I was informed that since his account was in collections, I had to communicate with the collection agency handling the account. After contacting XXXX XXXX XXXX ( Acct. # XXXX ), I was advised the account had been transferred to another agency, XXXX XXXX ( Acct. # XXXX ). A representative from XXXX XXXX advised me they had no record of the phone being returned and that it may take additional time for the XXXX records to reflect that the phone was returned. 

No additional correspondence from any collection agency has been received since a statement dated XXXX XXXX, XXXX from XXXX XXXX. Thereafter, I began receiving telephone calls from unknown numbers, but was not left any voice messages. I discovered one of those calls was from CBE Group after I called the number back with my fiancee on XXXX XXXX, XXXX. The above scenario was explained via phone and I was instructed to send a written letter disputing the debt. That letter was sent via regular mail on XXXX XXXX, XXXX and no response has been received. I verified via an online account today that this debt is still with CBE Group and an outstanding balance is still owed. 

The debt is being disputed since the phone was returned. Ultimately, CBE Group is attempting to collect a debt that does not exist due to the circumstances explained above. The phone was returned to the address as was instructed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 contacted TransUnion making them aware that they are reporting inaccurate information on my credit file my public records. So I asked them to do an investigation they satiated they would not block my records due to identity theft or inaccurate information reporting. They stated that they verified the information pertaining to two bankruptcys on my public record, and they the US BANKRUPTCY COURT VERIFIED THIS INFORMATION WITH THEM WHICH WAS NOT TRUE. SO I CONTACTED THE BANKRUPTCY COURT AND THE MANAGER STATED TO ME THAT THEY GIVE KNOW INFORMATION TO CREDIT REPORTING AGENCIES. THEN WENT ON TO STATE THST HE WOULD RESEARCH AND SEND ME A VERIFICATION LETTER WHICH WAS DONE THEY HAVE NO BANKRUPTCY REPORTING IN THEIR DATABASE FOR 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 non-monetary relief
Consumer complaint received 2016-07-27
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
An account held with Barclays Bank Delaware is currently reporting to the CRAs. The information furnished is grossly inaccurate. A number of direct disputes were made with both the CRAs and the Creditor. The responses have been off topic. At present, it seems as though Barclays Bank DE is in violation of the Furnisher Rule 660.4 ( a ) ( e ). A dispute exists in regards to the terms, high balance, payment dates, closure date, incorrect account number, and others. This information affects my creditworthiness, credit standing, credit capacity, character, general reputation, and lifestyle. Asked of Barclays what that the tradeline be updated or deleted. The dispute made was not found to be frivolous or irrelevant.

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 2022-07-21
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not authorize nor consent to the following collection account being furnished to all major reporting agencies on my consumer reports : NCB MANAGEMENT SERVICES, INC. I also did not authorize nor consent to the following collection account to collect a debt and harass me by continuously calling my phone, mostly when I am working : NCB MANAGEMENT SERVICES, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone logged on to one of my credit card accounts as me, changed the mailing address, added himself as a user and turned off fraud alerts. No charges were made but Synchrony bank handled it horribly. Not only did they not check with me first -- despite the fact that I have never lived or had dealings with anyone in the state he claimed to live in -- but after I closed the account they sent a new card TO HIM. I later canceled the card entirely and also another card the bank owns. I called to double check and one card was still open. They are awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
XX/XX/XXXX I opened XXXX accounts in Bank of America ( Savings & Checking ) XX/XX/XXXX My father wired {$14000.00} to my account through XXXX XXXX Office XX/XX/XXXX I traveled to XXXX XX/XX/XXXX Signed in to my online banking app and checked the amounts ( See attachment B ) XX/XX/XXXX {$2000.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$2500.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$6000.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$3400.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX Received an email from BOA stating that my account balance is under {$25.00} ( See attachment B ) XX/XX/XXXX I transferred {$25.00} to my account ( My only transaction while in XXXX ) XX/XX/XXXX I got an email from BOA ( See attachment C ) but I could n't access my accounts online XX/XX/XXXX {$32.00} of {$14000.00} got into my account ( See attachment. A ) XX/XX/XXXX Back from XXXX, Contacted BOA, I was informed that my accounts have been closed. I could n't get any of the communications between BOA and me in written form XX/XX/XXXX I received XXXX cashier 's checks for my account balance ( See attachment D ), the bank had taken all the fees I owed on my accounts, including my credit card debt ( total credit limit= {$700.00} ). Taking all the fees into account ( I was denied from access to my banking records, so it was a rough estimate ), there was a large sum short. I called the bank asking about the missing amount, I was told that the bank has claimed {$6000.00} of it due to my " illegal activities ''. XXXX XXXX XXXX ( from Global Financial Crimes and Money Laundering Department, if I remember correctly ) refused to provide further information other than claiming that the source of the money was on some kind of list for money laundering and the person who wired the money could not have been my father. 

Since XX/XX/XXXX I have received notes from Bank of America ( See appendix E ), followed by phone calls from a debt-collecting agency, claiming that I owe {$1300.00} to the 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 explanation
Consumer complaint received 2015-12-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I used a credit card with city bank and paid the full balance on line. I had called customer service to make sure not late charge will applied because I was not sure on the due date. After paying online they assure me that late charge will be taking care. City bank keep the late fee and kept charging me late fee after late fee. After noticed an email from the credit card I noticed a balance due. I called them and the customer service representative was very rude and I was treated horrible. I ended up canceling the credit card but the way I was treated was not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have filed disputes with Transunion and XXXX 30-45 days ago concerning this and to this day, It is yet to be corrected. The balance on my reports is showing that I owe {$19000.00} for Child Support. This is untrue. I have called and spoke to representatives at Child Support and that informed me on how much I owe and It is WAYYYYYYYY far from the amount that they have on my credit reports. The Child Support office informed me to dispute this on the reports. Which I have, but I have yet to hear anything from them. They are showing late payments and all. This incorrect information on my reports is causing me not to be able to secure financial security that I would like to purchase my family a home. Please I need someone to get this incorrect information off my report 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 explanation
Consumer complaint received 2015-05-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I contacted Citi on XXXX XXXX at XXXX at XXXX. The representative was unable to locate my account when searching by the account number, numbers at the bottom of a bill, my social security number or my full name. She thought this was very strange and I was very upset. I advised her that I have been paying this bill every month and I am extremely concerned that I pay them {$80.00} per month ( or more ) for an account that they are showing no record of. How can a creditor collect a debt from you that they can not even track in their system?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I contacted my bank, Bank of America to recoup a scam from a wire transfer. They stated they couldnt help me but would file a complaint. I have not had my funds recouped.

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 2017-09-03
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:
This is my second request to remove the unverified accounts listed below that remain on my credit report in violation of XXXX U.S.C. XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, us bankruptcy court XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Equifax results say that my disputes were verified and updated. However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my right under the fair credit reporting Act.

Company response to consumer: Closed with explanation