BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-03
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX US Bank did not supply me with an Escrow analysis or a year end statement as in previous years. In fact In complained about in here in CFPB, because they had sent letters saying they were sure There was going to be an escrow shortage. Then between XX/XX/XXXXand XX/XX/XXXX, they change the amount 3 times. Without providing any documents of the escrow and just sent an amount with no, accounting. During that period the record shows that I filed 2 complaints with the CFPB. US Bank delinquency in providing me with the amount of the shortage actually created more of an issue. Instead of providing a year end statement and escrow analysis in XX/XX/XXXX which would have afforded 6 months before taxes were due, the bank waited until XX/XX/XXXXbefore providing documentation and that only after I complained the second time. That effectively left me 1 month to prepare. In fact, if the analysis had been in XX/XX/XXXX, then the 6 months could have shown a smaller monthly increase to cover the shortage, rather than a big bang the month before the taxes was due for the 1st installment. <P/>I found that to be rude and non customer-centric. <P/>I received a notice in XX/XX/XXXX that defined the terms of the payment. The shortage amount as listed as XXXX and it was added that if I were to send in that amount then my monthly PITI would be XXXX. <P/>So I sent in the check ( # XXXX ) for the amount of the shortage which was delivered to US bank on the XX/XX/XXXX, deposited on the XX/XX/XXXX and posted on the XX/XX/XXXX. The check was clearly marked Tax escrow only.
<P/>
My bank is also showing an ACH transfer ( XXXX XXXX ) delivered on the XX/XX/XXXX for the amount of XXXX matching the PITI which was dictated by US bank as the amount of my mortgage starting in XX/XX/XXXX should I chose to pay the shortage. <P/>I have received a statement from US bank saying they are using a suspense account, that they are charging late fees ( XXXX ), and that my monthly PITI is 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 2022-02-14
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I tried to talk to Midatlantic finance. I did not obtain or sign for a car loan. And I notified them of this and asked for them to pick up the vehicle and they refused. The car company let someone walk in and sign my name for a loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
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:
I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX Balance : {$500.00}, XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This is THIRD follow up complaint. I had a issue that was reported to the XXXX XXXX XXXX XXXX I filed a complaint with the FTC over someone using my information to get accounts and loans. Someone recently was able to apply for several loans. I live in XXXX  my ID is being used around the country. Please remove the following accounts and inquires : 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 2022-03-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank froze my account due to inactivity even though I have a monthly deposit into the account. I found out about this from a letter received from them with ways to re-activate the account. The 1st one on the list after 3 phone calls and being disconnected once and hung up on a 2nd time was told was unavailable in NY for some unknown reason? The second option was to move money out of my inactive account to my savings account which for some reason has different rules. I did not understand how I can move money into or out of a account that was inactive, but low and behold I was able to. At this point being totally unnerved dealing with people that have no clue on how to provide service I decided I want to move my money out of my accounts to another bank but once again Wells Fargo proves that a simple transaction can be impossible to complete with them. They will allow me to move money into my Wells Fargo accounts bur not out and was told well basically everything looks okay but we don't know why. Then when asked rep who to file a complaint with she would not provide info. Wells Fargo should be shutdown they are a embarrassement to the banking industry.

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 2020-05-05
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CALIFORNIA BUSINESS BUREAU ia attempting to collect a debt that I do not owe. The name on the bill is NOT ME I have repeatedly spoken to them concerning this fraudulent debt. CBB has also violated HIPPA laws in their feeble attempt to verify/validate a debt that is not mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I bought a fence through Lowe’s credit card and the man explained he won’t have interest for two years but he didn’t explain that after two years they tacked on two years worth of interest. I’ve always paid it on time every month till one day I checked my account and it went from XXXX to XXXX I tried to negotiate with them about a payment plan and they’re charging me $XXXX in interest a month when I could only afford $XXXX payment. I’ve talk to manager upon manager and I just don’t know what to do at this point I feel like they are robbing me and miss treating me. Now I got a letter about a lawsuit. Lowes credit card is through synchrony 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 2019-12-11
Company: JPMORGAN CHASE & CO.
State: MS
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:
A fraudulent account was opened online, in my name with JP Morgan Chase Bank on XX/XX/XXXX.I have opened disputes with credit bureaus, reported to JP Morgan Chase Bank fraud department for investigation on XX/XX/XXXX when I became aware of the fraudulent account. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft.I received a collection letter for the amount of $XXXX from XXXX XXXX XXXX XXXX on behalf of JP Morgan Chase Bank. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with JP Morgan Chase Bank in the amount of $XXXX. I have never received a card for the account with this company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the account. I did NOT apply for the account!!!JP Morgan Chase Bank also never contacted me to verify my identity before the account was fraudulently opened in my name!JP Morgan Chase Bank has been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get this removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
this is  XXXX   XXXX  who used MoneyGram on-line service on  XXXX / XXXX / 2017  for the first time to transfer money in the amount of {$320.00} +  XXXX   ( f ee ) for the on-line purchase and found out that was scam. When I contacted th  e MoneyGram and was told that the money already picked up by receiver and they are not responsible for any causes, I was refer to the website link regarding to all potential fraud.
My concern is that MoneyGram should be compliance by provide that info before consumers press the " SENT '' or any verification process between the sender and receiver before the transaction finalized. By this method which will eliminates the fraud transactions made by the scam artist since they are continuing use this services    as a tool to take advantage of all citizens  like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the XXXX and Fair credit and billing act. I have not heard back from TRANSUNION. If they can not validate, please remove from my TRANSUNION credit report. The following account is what I am questing : Collection XXXX & XXXX Opened XXXX {$140.00}

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 non-monetary relief
Consumer complaint received 2018-04-10
Company: Maury Cobb, Attorney at Law, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail on XX/XX/18 from Maury Cobb Attorney at Law LLC attempting to collect a debt for XXXX. When I checked Florida Office of Financial Regulation ; I discovered that the company does not a license to act as collection agency in the state of Florida ; which is my state if residence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
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:
Monday, XX/XX/XXXX, I was the victim of a theft crime to my Peoples United Bank Checking Account.  I received a text message from the bank asking if I authorized two separate payments, $XXXX and $XXXX   and respond yes or no.  Of course I responded no.  Immediately following, my cell phone rang with Peoples United Fraud specialist with the same Peoples Phone Number on their website #XXXX   at the same time I was calling Peoples United  Bank to verify.  The Peoples phone call that I made had a 23 minute wait to speak with a representative & since I thought I was speaking to one of their fraud specialists, I did not hold the line & took the call.  During the 20 minute call, I requested verification from them & they provided a 5 digit # to give to an automated Peoples fraud phone call and immediately a call came in with the fraud dept. # of XXXX and I gave the #; I requested 2 additional verifications and received both.  They indicated that they secured my account and I would receive a confirmation email.  I did not get the email & immediately called the Peoples United Bank another 25 minutes to speak to a representative, gave them my call back #, waited for a call back & was transferred to their fraud department another 25 minutes on hold to speak to a representative who indicated it was FRAUD.  At that time, they instructed that I log onto my account which I did and without my permission, the $XXXX + $XXXX transactions were made to my account.  I filed a complaint, provided numerous documents including my cell phone records and they denied my claim.  I am requesting an investigation as their fraud department indicated the bank is denying "all of these types of claims" and will not make me whole with the $XXXX that was stolen from my account.  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
Inaccurate name : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-01-17
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2020-10-07
Company: 1 STOP MONEY CENTERS, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In late XXXX XX/XX/20 I spoke to someone by the name of XXXX from One Stop Money Center and made arrangements to make payments on a loan from One Stop Money Center I was to receive an email with the payment arrangements during this time this was the time when everything was going on in the pandemic recently just broken out and the communication kind of broken down between us and me getting this payment arrangement set up and I didn't get an email from her then in XXXX of this year I received a notification that I was being garnished for these bonds originally I think the amount was like {$700.00} but then when I saw the garnishment it was like XXXX or something like that I reached out and advised that I couldn't afford the 25 % I sent emails I called I listing all of my expenses and showed why I could not afford the 25 % I was told that they needed to at least one girl one to show that they have at least gotten one out before they could get it signed from a judge to get it reduced this was XX/XX/XXXX is now XX/XX/XXXX and it still hasn't been reduced each time I call it's time I speak to someone they either tell me they can't find the paperwork for it hasn't been signed or it takes time or it's always an excuse or I can't get in touch with them or it's just always something I think that they are just trying to buy time so they can take the whole amount and not get it done by this time I think I only owe like another {$300.00} but to me it's the principle of the fact that I advised that I couldn't afford it I'm at the point now where I owe my sister money for my rent I owe somebody else money for my car note I'm just because I have to borrow money to help pay my bills because I'm having 25 % of my check taken out weekly and I can't afford this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a discover credit card which is closed few years back as charged off. 

I recently fully settled this account 3 months back making payment calling to the discover customer service. 

They have not reported to credit report, it still shows account it charged back and there is a balance of {$1400.00} Last four of SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CHOICE RECOVERY INC has been in clear violation of the FDCPA and FCRA. I will litigate if the account is not deleted, purged and removed from the system,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: KS
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:
I had a open dispute with equifax its been 30 days and I havent received an update on my dispute status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items listed be deleted as soon as possible, and correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

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 2021-02-20
Company: Allied International Credit Corp., (US)
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification in the mail from one Allied International Credit Corp. saying I owed a debt of {$1800.00} to XXXX. I contacted XXXX and they do not have any record of any purchase on my account. This is a false document. XXXX also stated they do not deal with any one company to collect debts and they had no idea who this company was.

Company response to consumer: Closed with explanation