BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have  a PayPal extra Mastercard credit car d. I 've had this account for close to 10 years and have always paid the full balance amount due on time - not the minimum payment but the entire full amount of each monthly bill. Last mon th (   XXXX   2017 ), I in advertently paid the total amount short by {$200.00}  ( out of approx. {$2300.00} ). W hen I received my statement for this month, there was an interest charge of {$24.00}. When I reviewed my payment and noticed that I had paid the total previous amount short by {$200.00}, I checked the interest calculation and came up with {$3.00} in interest for the unpaid {$200.00} ( vs. the {$24.00} on my statement ). I called the toll free number on the back of the card and asked them to explain the difference. They stated that I was being charged on the " average balance '' of all my charges since my last billing statement. When I asked why that was the case, when I only had a {$200.00} amount due from the previous month, they could not explain this in ANY sensible manner. I asked them to explicitly read the card agreement language that covered this calculation - which a supervisor attempted to do without ANY clarifying effect. I believe this interest rate calculation practice is either fraudulent, abusive or incredibly deceptive. I would ask someone to look into this and, at the very least, inform the general public on what it could mean to them.   I have a finance degree and have worked in the financial services industry for over 20 years - and this interest rate calculation was difficult for me to understand. If I can be " suckered '' out of {$21.00}, I CAN NOT imagine how many people in the general population are being abused by this credit card company. I have now closed my account w ith PayPal Extra Mastercard but  PLEASE DO SOMETHING TO INFORM OTHER PEOPLE ABOUT THIS and help them make better, more informed choices.

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 2017-04-27
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: CA
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 received your results for case #  XXXX  via mail and I do not agree with the method of validation. I am requesting proof of the original contract or document with my Name, Address, and Signature validating this item as accurate and correct. In addition, the person 's Name, Address, Telephone number, and Signature validating this item from the original creditor  XXXX   XXXX  University. If no documents can be produced please Delete the item from the credit report. I have attached my request in writing along with Experian 's results on this web portal.   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 non-monetary relief
Consumer complaint received 2017-04-27
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage over the summer. I used a branch office in  XXXX   XXXX  which is close to my house. My closing was originally scheduled at the end of  XXXX , then moved to  XXXX . I was very careful to specifically ask what my closing costs would be and was told they would be {$200.00}. I have emails to document this. When I arrived at my closing, I was told that the closing costs were {$1000.00} - over {$800.00} more than I was told. My loan officer happened to be at the bank, and when I asked him to explain the discrepancy, he informed me that perhaps because the closing was rescheduled from  XXXX  to  XXXX , that there were additional escrow costs added to the closing.     In addition to this first blunder, my loan officer also informed that I would be getting a refund of surplus escrow money in the amount of {$820.00}. Because of the first error, I asked several times to make sure - I have copies of all of my email conversations with the loan officer to show this. When the time came to receive my refund, they informed me that my old escrow money had been transferred to my new account and I would not be receiving a refund. So I was given incorrect information twice, even after being extremely diligent and asking repeatedly for clarification and accuracy. The incorrect information I was given ended up costing me a total {$1600.00} in unforeseen expenses.     I spoke with the branchs assistant manager the following week and asked if I could speak to the branch manager about this incident. He was busy at the time, but I was assured that he would call me. No call. I did receive a form letter explaining that the money from my old escrow had been transferred to my new escrow account, but I was never told why I was given the incorrect information ( twice - closing costs and escrow refund ), and never received what I consider to be an appropriate apology or consideration based on the   XXXX   huge mistakes they made.

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 2017-04-27
Company: Experian Information Solutions Inc.
State: NY
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 tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair reporting

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
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 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 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-03
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: Was not notified of investigation status or results

Complaint:
I sent my dispute letter to equifax disputing incorrect reporting of accounts on XX/XX/22 and that letter was received by them on XX/XX/22 which you can see they received on that date via the green return receipt that's attached. They failed to update the comments on those disputed accounts to say " disputed by consumer '' which you can see on the highlighted accounts that are attached as well in the " additional information '' section. That is a violation of federal law because they have 30 days to update the accounts and they failed to do so which means those accounts must be deleted. Going forward, if my complaint is disregarded, I will enter a class action lawsuit against your company for willfully failing to meet statutory obligations pursuant to the FCRA. 

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-04-27
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint on  XXXX / XXXX / 2017   Case  #  XXXX . I received an unsatisfactory response from Ditech. I spoke to them since and they said they would have someone from their escrow department call me. No one did.     The numbers do n't add up. I have asked  them ( several times ) to expl ain, in layman 's terms, the specific increases that add up to the large increase in my mortgage payment. I AM DISPUTING THEIR RESPONSE TO MY COMPLAINT As a side note I called CFPB today and I 'm not sure why but when she looked up my case she gave me a totally different case number. I was given case #  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Within the last 2 to 3 weeks ( XXXX XXXX or so ) I have been receiving calls on my home phone and cell phone from a person who says he is with " OneMain '' and it is " an attempt to collect a debt '', and that I should call back according to times in the Pacific Time Zone. XXXX of the numbers he called from are : XXXX and XXXX. I have no idea what debt this outfit is talking about ... ..I have no outstanding debts with this company or any other. I am reguarding these calls as deceiving promotional calls and am blocking them. I have received no correspondence from this company nor any other about any outstanding debt. These calls are completely falascious and must be stoped!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: NY
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 filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX , J  XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.

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 2017-04-27
Company: EQUIFAX, INC.
State: NY
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 filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX ,   XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX ,   XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.

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 2022-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wired transfer to XXXX XXXX XXXX, XXXX XXXX bank form my XXXX other banks on XX/XX/XXXX which wired all same day. 
The beneficiary XXXX XXXX 's account had problems unknown wires, her bank made hold her account for more than XXXX months until now. 

So she said I can recall all these {$100000.00} from my bank and I did to all XXXX on XX/XX/XXXX. 
later on XX/XX/XXXX, I found it out all these wire transactions were fraud and I reported to all XXXX banks and asked recall and refund my money to my account which I wired from XXXX XXXX Bank {$40000.00}, Chase bank {$40000.00} and {$20000.00} from XXXX Bank. 

I received these recall from XXXX {$40000.00} and XXXX Bank {$20000.00} on XX/XX/XXXX except Chase bank {$40000.00}. 

I requested more than XXXX times to the Chase bank for investigation this wire transaction from XX/XX/XXXX contineouly. 
However the Chase only reply same answered as like this, Message received from receiving bank on XXXX WE HAVE MADE EVERY EFFORT TO CONTACT XXXX ( Beneficiary ) FOR DEBIT AUTHORIZATION BUT, HAVING MET WITH NO SUCCESS TO DATE, NOW CONSIDER XXXX ( Beneficiary UNREACHABLE. 
WE ARE, THEREFORE, UNABLE TO COMPLY WITH YOUR REQUEST. 

I talked to XXXX XXXX Bank about when the Chase was requesting my recall {$40000.00}, XXXX XXXX said the Chase only requested on XX/XX/XXXX not further reuqested even I contuneouly requested to Chase to search and reopen the case. I want to refund my money back before this fraud beneficairy took my money. I notified to Chase to contact directly to beneficiary so many times that XXXX 's account will closed on XXXX XXXX. 

Finanlly I received from the Chase bank that We received a swift message from XXXX XXXX BANK, XXXX. 
on XX/XX/XXXX stating please be advised we are unable to comply with your request due to no funds available. Please have remitter contact proper authorities. We close our file. 

I have been romance scammed since XXXX XXXX, XXXX until XXXX, I, XXXX, XXXX XXXX lost. 
I reported to XXXX XXXX police deportment, case # XXXX and XXXX Department of Justice XXXX XXXX XXXX. 

The Chase bank was neglegent my reuqest for recall this fraud transaction. 

I complaine this case and verify Chase neglegency. 

Thank you, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a mortgage loan in foreclosure on    XXXX   XXXX  ,   2017.   As  of today  XXXX   XXXX ,    2017 ( 79 days ) I still have not received the Warranty Deed for this purchase. I h ave been in constant contact with the foreclosure attorneys but, still no results from the mortgage Co. Under GA l aw Code Section 44-14-3 bo th lenders & servicers can be liable to the borrower/grantor for failure to cancel a security deed within 60 days of full payment. Full payment was made on  XXXX   XXXX ,  2017.  The address of the foreclosed property is  XXXX    XXXX    XXXX ,  XXXX  GA.  XXXX .

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Google Pay offered a referral bonus of {$21.00} in XXXX ( XXXX ). I completed a transaction subject to the terms of the referral on XX/XX/XXXX ( XXXX ). To date, the referral remains unpaid. I began e-mail communications with the company to resolve this issue on XX/XX/XXXX ( Google_Emails.pdf ). Repeated attempts to follow-up and resolve the issue have been fruitless. The company claims to have simultaneously " escalated '' the issue yet " can't promise a timeline '' on a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 act XXXX XXXX XXXX XXXX Account # ( XXXX ) 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