BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Target card payment is set up for auto payment of the minimum amount due My settings still today say that my 'Current Auto Pay ' is set to 'Plan Type : Min Payment Due '. 

However, after I paid my minimum amount on XX/XX/2021 ( after which no minimum payment was due ), I was billed again by Target for the minimum payment amount on XX/XX/2021. My bank account did not have sufficient funds for a second payment so the second payment was rejected, and Target charged me an 'auto pay returned payment ' fee of {$29.00}. 

I contacted Target on XX/XX/2021, to reverse the fee. On XX/XX/2021, Target refused to reverse the fee. 

On XX/XX/2021, I contacted the XXXX XXXX XXXX. On XX/XX/XXXX, Target again refused to reverse the fee for returned payment. Target responded that the online payment page indicates that Target will auto-bill a customer for a minimum payment amount even if no minimum payment amount is due. 

This practice of double-billing its customers is an abusive business practice. My auto-pay 'Plan Type ' is 'Min Payment Due ', and I can see no business need for Target to double-bill its customers, except to fish for extraneous fees. 

To wit, the auto-pay feature on my XXXX XXXX card does not auto-bill me for the minimum amount due if/when when I make the payment early. 

I indicated to XXXX XXXX XXXX that I want to escalate my complaint against Target from an issue of deceptive business practice to an issue of abusive business practice, and they advised me to file with the Consumer Finance Protection Bureau. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband XXXX XXXX XXXX have spent the last 9 years in court XXXX XXXX XXXX. They have tried to foreclose 3 times. The court records show I have life estate on the property, I have keep up the taxes, ins. and up keep. They pay the taxes before I can get there to pay them then give me a hard time when I try to repay them. I get flood insurance to the max for the property they then say I did not pay enough and try to foreclose, last year I had to send them an additional XXXX hoping they will leave me alone. Yesterday I got a form letter to fill out about the reverse mortgage today I got the same letter certified I sent the info they needed Now a real estate appraiser wanted to know when I could let him into the house I told him I have life estate for XXXX to contact me directly. I just need them to leave me alone. I am on a fixed income need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, INC.
State: GA
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:
I have the following companies and Equifax know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from Equifax or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had this same issue in the past with the original creditor XXXX and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with XXXX, copy of letter and response is attached, and once again now this new collection agency, I.C. Systems Inc.,  is claiming I owe them without even mailing me anything through the U.S. Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if I.C. System Inc. can not verify this alleged account according to the Fair Debt Collections Act.

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 2022-07-08
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 XXXX Account # 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 explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: IL
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 have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks

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 2017-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I entered into a contract to purchase a pre-construction home, The builder had requested proof of my ability to purchase the home and had their own XXXX XXXX provide XXXX XXXX for the 1- unit building where my townhouse is part of the units there. I early XXXX the builder contacted me to provide permanent financing, I was directed to a mortgage broker and they provided a mortgage through a XXXX XXXX XXXX XXXX XXXX, at closing the true lender was not disclosed and it was table funded by XXXX XXXX XXXX. At that original closing with XXXX XXXX XXXX the closing agent and the Mortgage Broker asked that they make copies off all the documents and I would be provided copies at a later date. The later date came and passed and I never received any of my closing document including the TILA and RESPA document regarding my options to cancel the mortgage. I had made numerous attempts over the next several years to obtain any of m, y documents and finally received a portion from XXXX in XXXX and fromXXXX in XXXX. After making the first years payment all on time I received a new type Payment coupon fromXXXX homes with a multi payment option AKA " XXXX XXXX XXXX ''. After making my payments for the first year to XXXX I file a rescission demand letter via US Certified mail to Both XXXX and after received only verbal response from XXXX they directing me to contact XXXX  I sent two Rescission Letter to them also. none of these entities ever filed an law suit to cancel the rescission letters. I only received one letter about two month later fro XXXX XXXX XXXX that they were not honoring my request. I tried to sue them for fraud since the entire country at that time had been raising issues about the Mortgage industry and their actions that crashed the entire financial markets. In early XXXX I was told able a similar case to mine involving the same company XXXX XXXX XXXX that the US Supreme Court ruled that Rescission was effective upon mailing. I also found the same facts in that case were very consistent to my matter. I 'm representing my self in this matter and would like to have some help and assistance from you Bureau. I 'm a senior citizen and have been XXXX for more that 8 years. Respectfully, XXXX XXXX XXXX. E-mail XXXXXXXXXXXX contact number ( XXXX ) XXXX

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 2017-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
About a year ago I started contacting Chase bank about a year ago. I had found out that there had been a checking and savings account opended up under my name. I went through the dispute process with Chase. They told me at the end of the investigation that If they found enough information that the account was not mine, they would be able to remove it from my credit reports, XXXX etc and then I would be able to open an account with them Fast forward after months of phne calls and emails with them. Turned out they did not hold me at fault for the account, but then back tracked that I could not be able to open an account with them. Also, I had reported to them that there was a chase credit card that was also opened up fraudluently under my name. I still have no heard anything back on that. I would like to be able to open an account with Chase like promised, and also would like to know what is going on with this credit card that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

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 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Recently tried to purchase a home and the lender holder told me there were negative items on my credit report that I know Ive paid off. I have been unable to purchase a without a co-signer nor obtain my own place of living because of this same issue.

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 2022-02-04
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My XXXX credit card was transferred to XXXX XXXX  XXXX  XXXX in XXXX. I received an email stating that it was doing so and I would be getting a packet from XXXX XXXX  along with a new credit card. I still have not received a packet or credit card. My last payment went to them via online banking on XX/XX/XXXX and I have not been able to get an account number or access to pay my account other than calling them. The first XXXX months of calling them since XXXX they stated that I was not in their system and it may take time to transition. This continued for months. I then received a letter from them on XX/XX/XXXX dated XX/XX/XXXX that my bill was approaching 90 days overdue and was in risk of losing it. I have not received any additional account information or statements since my account was transitioned. I had tried reaching out again to the number provided in the original email and they again said they couldn't find me in the system. I then called XXXX to get some assistance. The rep there called a different number and after XXXX minutes they were able to find me in their system. I am still unable to access my account online and was just sent all statements since XXXX from XXXX. I am now unable to refinance my house because of this issue as it is killing my credit. I have been transferred to a manager finally after weeks of being on the phone with their representative to hopefully find a solution. I a fully able to pay what is owed I just want them to accept the fact that I was not sent appropriate documentation in order for me to pay my bills. I have also submitted a letter with details of the lack of documents from them since XXXX and they at first said that they had investigated and it looked like they sent everything out. Well I did not get anything from them in the mail until XX/XX/XXXX and I will not settle for that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I received notice by Fifth Third bank that the State of Ohio Department of Taxation obtained an order of garnishment against me in the amount of {$3300.00}. The funds were placed on hold and a check was sent to the Clerk of Courts by Fifth Third bank. I resolved this matter on XX/XX/2021 by paying the amount required to the Ohio Attorney General Collection Enforcement office to have my funds released. I was informed by them that if I made the payment over the phone that my funds would be released within two weeks. 
On XX/XX/2021 check # XXXX in the amount of {$3300.00}, that was sent by Fifth Third bank to the XXXX County Clerk of Courts, was returned to Fifth Third bank uncashed due to an error in filing by Fifth Third bank. 
On XX/XX/2021 my garnishment was released. After several unsuccessful attempts trying to reach the Compliance Department at Fifth Third bank via their customer service number and being transferred, I was given an email address ( XXXX ). On XX/XX/2021, I requested that XXXX from The Ohio Attorney General Collection Enforcement send an email to them requesting release of my funds. He confirmed the email and in addition mailed the release to them at that time. To date I have had no response and my funds have still not been released. The case # is XXXX and the reference # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dates were XX/XX/2016 the amount was for {$180.00}. That exact date I provided them with a receipt where I paid {$88.00} at time of service so the amount that they are reporting in in correct and false. Ive contacted them on several occasions in reference to affairs but they have yet to respond to the matter correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I opened a checking account on XXXX XXXX, XXXX. The account requires a daily average balance of at least {$10000.00} in order to remain fee free. In addition, I registered for a promotion whereby if I maintained a balance of at least {$10000.00} until the end of XXXX XXXX, I would get a {$350.00} bonus. I made a transfer into the new account of {$10000.00} which posted to the account on XXXX XXXX. As you can imagine, it takes a few days to get online access and to link an external bank account and transfer the funds. I logged into the account a couple months later XXXX XXXX XXXX XXXX to see I had been being charged a {$21.00} account fee for the past several months. I tried to chat with the Webster Bank team via secure messages on their online banking, to no avail. They insist that the first statement period was XXXX XXXX, XXXX - XXXX XXXX, XXXX and since the deposit posted XXXX XXXX, the average daily balance was slightly less than the required {$10000.00}. They will not refund all of the service charges to make me whole. In addition, they are not honoring the bonus which I signed up for even though it is clear I intended and made best efforts to fund the account, as you can see it was funded within a week. I will attached copies of all statements to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24
Company: SYNCHRONY FINANCIAL
State: TX
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:
Companies Involved : - Walmart in partnership with Synchrony Bank ( card provider ) - XXXX  - XXXX  Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in Walmart sold me on applying for a Walmart credit card. This was in XXXX, XXXX  where I lived at [ redacted ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, XXXX. Similarly my accounts have not spent any money in XXXX  store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with Walmart/Synchrony Bank in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.

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 2017-08-17
Company: CITIBANK, N.A.
State: GA
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:
I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX Citi Bank : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX,XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX

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 2022-07-08
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We Re-Financed our VA backed Mortgage Loan on XX/XX/2022 thru Meridian Bank in the XXXX $ XXXXwith a Fixed Rate of 3.125 % down from 3.75 % to lower our monthly payment from {$2400.00} monthly to {$2300.00}. 
That payment was set-up to include Principal payment of {$1700.00} Taxes of {$400.00} {$190.00} Hazard Insurance payment of for a total monthly payment principal and interest of {$2300.00} We recv'ed a letter in XXXX indicating that US Bank was now servicing our loan and that the payment total was now {$2500.00} monthly that is an increase of {$190.00} for something called a Shortage Spread. 
This is not something that we agreed to pay when we re-financed our home .Also, we never agreed to anything with US Bank especially something that would totally wipeout the gains we made when lowering our Int. rate from 3.75 % to 3.125 %. 
We checked with XXXX XXXX where our Home is located to find out/confirm that our Taxes have not gone up period. 
When I called US Bank to get an explanation I was told some generic answer from a call center person that ..those shortage projections are normal business practices. I logged into the US Bank acct. to pay the agreed upon amt of {$2300.00} only to find that I couldn't make that payment ..The only amt. I could pay online was the {$2500.00}. 

So, I mailed my payment of {$2300.00} ( cashier 's check ) along with the Mortgage Payment Coupon that I recv'ed when we closed on this VA Back Mortgage Loan in XXXX.

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