BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: PA
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 XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There are late fees on my account because I wasn't receiving my statements. 

When I first called about the statements I was told no late fees applied. 

My statement show there are fees. 

I tried to call them today the automated systems isn't recognizing prompts and saying try the call later and disconnecting the calls. 

I always p [ at in full to avoid fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24
Company: MIDFIRST BANK
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I can no longer afford to pay for my mortgage Am trying to do a short sale on the home I am told there is a fair offer on the table for the home it needs a lot of work and is not live able for my daughter who keeps getting sick here i am sending you the Estimates needed on the home to show this is the only and more than fair offer on the home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/18 I piad a {$1500.00} debt over the phone to the law offices of Patenaude & Felix. 
My bank statement shows the same name and amount for the charge to my account On Wednesday XX/XX/18 someone attempted to sever a summons at my parents address in XXXX CA. My Father told him I do not live there and that I live in XXXX CA. The same person returned on Friday XX/XX/18. My father told him again I live in XXXX. The process serve left the papers on the porch and left. My father called to tell me about this. I went to get the papers and it is a Summons and that I am being sued by XXXX XXXX. The legal firm is the same Patenaude & Felix that I made my payment to on XX/XX/18. I have sent them 2 emails to the address on the paperwork. both were returned as bad email address. I sent them a email from the " contact us '' on their web site and have not had a reply. I have not called them because I want everything I writing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I received a credit alert from XXXX I had a new account alert. I looked at it and XXXX had closed my only account with them XXXX XXXX. I owed no money never logged in after paying them off well over a year ago. When I called them to see what was going on they told me XXXX  opened the account in my name to the XXXX XXXX company with a new account. They said that they sent out emails and you were to log into your account to get the new account. Ya let them know I never logged into my old account to get the new account. I have a personal witness to the whole incident. I can not even get into this new account as my information with them is incorrect. So not only am I stuck with an account I dont want. Ya cant even get into it. His is not my account I did not authorize it and Experian refused to do anything about it. Im still waiting on XXXX  and XXXX. Thank you. Nobody should be forced into an account like this. The witness to the conversation is XXXX XXXX XXXX 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 2020-02-26
Company: EQUIFAX, INC.
State: OH
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:
Equifax is publishing inaccurate information on my consumer report they are reporting that my balance on my freedom loan is at {$9000.00} when the balance is {$8600.00} XXXX and XXXX  has the correct balance reporting but the balance that Equifax is reporting is inaccurate and is stopping me from obtaining additional credit because it looks as if I am over the original balance that was given to me when am not. I will send screenshots from XXXX and XXXX  and also show proof that Equifax is reporting an inaccurate balance I would like this to be updated immediately to the correct balance thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: U.S. BANCORP
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: Investigation took more than 30 days

Complaint:
This is my 3rd time filing a complaint in regards to my credit reporting for my US Bank Mortgage. In my previous complaints, US Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that US Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.

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 2020-04-23
Company: Experian Information Solutions Inc.
State: MS
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 received a call from a collection company stating about a debt I owed on TV service. I have never applied for TV service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX  XXXX {$75.00}

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 2021-06-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I ordered a XXXX XXXX XXXX ( Total of XXXX ) on my Home Depot Credit Card ( through Citibank XXXX on XXXX XXXX. They shipped the product through XXXX  with no signature required. XXXX  tracking showed the shipment stuck in XXXX until XX/XX/2021. We Contacted Home Depot on XX/XX/XXXX asking where our package was XXXX for an update on the delivery status ) in which Home Depot told us that the product was never shipped and they were then re-shipping the package. On XX/XX/2021, XXXX updated the Delivery status to " Delivered on XX/XX/XXXX '' so we contacted Home Depot and let them know that we did not receive the package and they said that it shows as delivered and to contact XXXX regarding the delivery. Since it was past 7 days, XXXX could no longer submit a claim or dispute and to reach out to our Credit Card Company. So I did. Citibank credited my account back pending review. I contacted Citibank to dispute the charge on my Credit Card, and in review of their dispute, they determined that the product shows as " delivered '' so they denied my dispute, because XXXX told them so. I have called XXXX, Home Depot, and Citibank with no luck in getting this resolved. Citibank nor XXXX can confirm that the package was delivered to my doorstep ( no signature, no picture ) and nobody will open a dispute or claim to refund my initial purchase of XXXX on my credit card.

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 2021-12-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have really dropped the ball here as well as my local branch in XXXX, Florida. This is in addition to my open complaint XXXX SUBMITTED ON XX/XX/2021. Long story short, I closed my account in person with a {$0.00} balance. Over the next few days, I saw activity on the account that I didn't authorize and wasn't informed of. Suddenly they locked my entire access to the account without reason. I can not access my account online, over the phone, or in person. Their phone support puts me through to the fraud team and after an hour+ wait each time, they're not able to assist me. They have promised me a callback over 6 times but I haven't received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
2021 Credit Collective services reported an account to collections that does not belong to me in the amount of {$99.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have reviewed my mortgage statements from XX/XX/XXXX to XX/XX/XXXX and they include fees and charges which I do not agree with, are in breach of the contract I signed, are unreasonable and I allege unlawful. These fees include : - an appraisal without my knowledge and not for the purposes of home valuation in connection with a refinance. 
- inspection fees which were not performed by a licensed that have appeared and then credited haphazardly and randomly - late fees assessed when mortgage payment was not paid after grace period - interest charged on fees that were not agreed to, unreasonable and allegedly unlawful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XXXX we had 2 large ACH withdraws out of our Chase account totaling about {$11000.00}. We were able to go INTO the branch and file a fraud complaint resulting in getting our funds put back into our account. 

I had most of our money in our new savings account which is an account we do not typically have activity in because it just sits holding money. I more closely monitor our checking account because that one has activity in it. I did not notice the {$2.00} ACH from our savings XX/XX/XXXX then in XXXX XXXX {$2.00} and {$2.00} XX/XX/XXXX XX/XX/XXXX {$3.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$9.00} At first I glanced at these smaller amounts because so minute I thought dividends it did not register. Then on XX/XX/XXXX as the country was facing a pandemic and things were shutting down larger amounts started coming out. I was like most people dealing with job loss, children having to learn how to work from home to keep up with schooling. My husband was trying to retain the clients he had by offering free services so that they might return when businesses opened up again. Not normal circumstances for anyone. 

As we sat struggling through quarantine, the hackers successfully removed {$7400.00} from my savings in 10 transactions between XX/XX/XXXX and XX/XX/XXXX. I was notified that I reached the withdraw limit that's when I noticed the activity and filed with chase fraud that moment. Because they were so helpful the first time this happened I had no doubt that they would seen this fraudulent activity and we would see out money again. 

I understand that this is spread over a period of time. What they need to understand is the situation itself. This is an account that we let sit so do not check on it as often as we should. The actual time frame with the most money stolen was during a worldwide pandemic which everyones focus was all over. The vendor name on the ACH transfers was one we are familiar seeing because we use XXXX XXXX   however this is not actually XXXX. Even that did not put up a red flag at first glance. 

There is information I found when looking at regulation E which was written back in the XXXX XXXX when we really didn't use online banking like we do now. Perhaps that should be updated. Apparently there is only a 60 day window from the first transaction which there was only one XX/XX/XXXX for {$2.00} then nothing until XX/XX/XXXX so nothing else is even considered even though it is straight up theft any way you look at it. I do take responsibility for being in a terrible situation along with the entire world, country, and state and I do wish I would have caught this in XXXX. If it was in the checking which we use daily it would have been caught ASAP, first attempt. 

Thank You XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was trying to do my homework and get help from XXXX. And the ad popped up and I clicked it to get an estimate and put my information in. That's when they charged me that first amount. Then they charged me again and when I called the website for a refund they said their account policy is that to get a refund it has to be a minimum of {$11000.00}. Then they took my XXXX and cashapp info and automatic transactions had been going on until there was no money left in my account. I thought this was all normal when I ran out of money I asked my family for money. That's when my family told me it was a scam. 

I have contacted my bank which is BB & T. They have denied all my dispute saying that the transactions were authorized. But I haven't authorized anything. I do not know how all that happened. When I asked if they can do a chargeback, they can't do that either. And I already did a police report. 

XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$400.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$400.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXXXXXX XXXX XXXX CA XXXX {$390.00} XX/XX/21 XXXX  PAYMENT TO XXXX PAYMENT ID XXXX {$500.00} XX/XX/21 XXXX  PAYMENT TO XXXX PAYMENT ID XXXX {$450.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$100.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$500.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX {$450.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$550.00} XX/XX/21 ZELLE PAYMENT TO XXXX PAYMENT ID XXXX {$520.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$470.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX {$520.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$530.00} XX/XX/21 XXXX  PAYMENT TO XXXX  PAYMENT ID XXXX {$270.00} XX/XX/21 XXXX  PAYMENT TO XXXX  PAYMENT ID XXXX {$250.00} XX/XX/21 XXXX XXXX  XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$1000.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$990.00} XX/XX/21 XXXX  XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$800.00} XX/XX/21 XXXX XXXX  XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$500.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$500.00} total amount = {$10000.00} Website which took my money : XXXX : XXXX their email : XXXX phone number : XXXX, XXXX, XXXX Name : XXXX 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 2017-07-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I HAVE HAD STUDENT LOANS SINCE XXXX BUT IT WAS WITH XXXX XXXX AND SINCE IT CONVERTED WITH NAVIENT IT HAS BEEN A NIGHTMARE.FIRST IM GETTING CHARGED WITH LATE PAYMENTS WHEN I WAS IN SCHOOL AND SHOULD OF HAD IN SCHOOL DEFERMENT, ALSO I HAD OTHER STUDENT LOANS OUT WITH ANOTHER LENDER, BUT IT SEEMS AS NAVIENT HAS THERE OWN PREPARATORY FEES, RIDICULOUS INTEREST MORE THAN WHAT THE GOVERNMENT IS CHARGING. I DID N'T BELIEVE I OWE THE AMOUNT THAT THEY ARE SAYING, ALSO EVERY MONTH MY BILL GOES UP XXXX XXXX A MONTH AND IM ON INCOME BASED REPAYMENT PLAN OF {$0.00}. THIS COMPANY IS VERY MISLEADING IN PAYMENT OPTIONS AND INTEREST RATE AND UNETHICAL PRACTICES. THIS COMPANY REPRESENTATIVES ARE RUDE AND NOT IN THE BEST INTEREST OF THE CONSUMER JUST TRYING TO GET A PAYMENT.I HAVE TRIED TO SWITCH LENDERS AND I CANT, BUT I DID N'T ASK FOR THIS LENDER EITHER FEEL LIKE MY CONSTITUTIONAL RIGHTS ARE BEING VIOLATED AND POSSIBLY SEEKING THE ADVICE OF AN ATTORNEY ABOUT THIS MATTER. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Ditech Financial LLC
State: MD
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:
Hello my name is XXXX XXXX, I am submitting a complaint on both Ditech Financial Mortgage Loan- Second mortgage and all 3 Credit Bureaus ( XXXX XXXX XXXX and XXXX ). 

On XX/XX/XXXX I called XXXX to have verbiage remarks removed from Ditech and hours latter my credit score dropped 65 points. I called XXXX back to find out what caused this and after about 20mins it was discovered that my payment history with Ditech was removed by Ditech while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they Ditech does n't have a problem with the dispute. 
XX/XX/XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with Ditech and 4 days later my XXXX score dropped 81 points. I am assuming XXXX is to follow in the pattern however the current scores as of XX/XX/XXXX does not reflect a drop. 
I have NO late payments as ofXX/XX/XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( 4 in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: OK
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:
Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. XXXX XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. 

1. They are currently reporting twice on my Equifax credit report which is a FCRA violation ( please see attached proof ), 2. the have reinserted this account back on my TransUnion credit report without written notice, which is a FCRA violation.

3. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX ( Please see attached proof ) I didnt get a written notifications that this was changed or anything. 
4.They have also changed the portfolio status from one company, XXXX XXXX XXXX XXXX to now XXXX XXXX XXXX XXXX XXXX Also see highlighted that the address had changed. 

Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on Equifax is showing its late 120 days with a balance in collection. Again, a collection is late and past due by default.The reporting again is inaccurate. XXXX  and XXXX  was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how Equifax is different?

Company response to consumer: Closed with explanation