BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-16
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15, I wrote a check to Caliber Home Loans for a mortgage payment of {$1800.00} for my mortgage payment. Someone from Caliber Home Loans physically wrote /altered my check and wrote {$2800.00} below the amount on the check although it clearly states {$1800.00} on my check. My bank ( XXXX XXXX cleared the check for {$2800.00} which caused fees and overdrafted my checking account and held my money for days. I personally went to the bank and they advised me that they sent the check back for a " coding error ''. ( I pointed out to the XXXX bank manager that it is not legal to alter a check. They did not seem to care XXXX, however, the check should have been destroyed.I further notified Caliber to report the problem. Although I was contacted, they were not at all helpful and did not seem to care that XXXX of their representatives fraudulently altered my check. I thought the issue was resolved, however, on XXXX/XXXX/15. the SAME check reappeared debited out of my bank account to which it says " this is an image of a check which was reported missing or destroyed. I again contacted my bank to which I was charged fees etc. who put a stop payment on the check as I requested. The bank did not seem concerned in the least that a photocopied check was submitted although their own checks reveal that checks that are altered or photocopied should not be cashed. I then contacted " XXXX XXXX '' from Caliber Home Loans who stated that she looked into the matter and reported that " it was an oversight or accident '' that someone wrote on the check, however, claimed Caliber never sent in the check again for processing. On XXXX/XXXX/15. I received a letter from Caliber that I was charged money for the " dishonored '' check. I also noticed an additional fee on my mortgage statement. I was not the one who altered the check nor caused this situation. Any other individual who altered a check would be arrested!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
XXXX  credit report shows a closed account as being current but was past due 90 days ; however, the company did not send statements or answer questions about the account after the account was switched from  XXXX  's to  American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: AMERICAN HONDA FINANCE CORP
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested record is settled. 


AM HONDA FIN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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:
I was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, U.S. Bankruptcy XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 I am certain I did not provide anyone with my written consent!

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 2020-10-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I became aware that someone used my email address to create a PayPal account, which they then added my debit card to and processed fraudulent money transfers. I have been locked out of that email account by the identity thief. I have no access to the fraudulent PayPal account, and I can not get in touch with PayPal to resolve this matter. I have attempted to call them three times, and they do not have any live customer service agents to speak with. All the automated system does is direct you to go online to the help center. However, the help center requires that I log into the fraudulent PayPal account to request assistance. As previously mentioned, I did not create this account and have no access to it or the email account used to open it. I have also written a letter to PayPal explaining the situation and requesting a callback. The letter was received by PayPal on XX/XX/2020, but I have not heard from anyone. I just need help from a live PayPal representative to close the fraudulent account and ensure that I do not owe any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My way2go card got disabled they made me send my info to a email and i wasnt comfortable with it at all they denied me after i sent My info i need you guys help unlocking my card or getting a replacement card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were deleted from my credit file because i was a victim of identity theft but this one account, XXXX XXXX XXXX XXXX just reappeared last week and dropped my credit score.

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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 a copy of my XXXX credit report, report # XXXX for XX/XX/XXXX. The credit report showed a Chapter XXXX Bankruptcy public record and a comment stating the Information was  published by XXXX XXXX. I sent a letter to XXXX disputing the Information being furnished by XXXX along with a copy of a letter from XXXX dated XX/XX/XXXX confirming the security freeze that was placed on my account. I also included a letter from US Bankruptcy Court XXXX  District of Ga datedXX/XX/XXXXconfirming that they do not report to a credit reporting  agency. I received an email from XXXX on XX/XX/XXXX stating the Information was verified as correct and will remain. I believe their investigation was invalid. This Information could not have been furnished by US Bankruptcy Court because they do not report to a credit bureau, nor was the Information verified by XXXX due to a freeze that I have on my account. I opened claim # XXXX XXXX on XX/XX/XXXX. The claim was closed on XX/XX/XXXX due to a response from the credit bureau. The credit bureau noted that they would reinvestigate. On XX/XX/XXXX, I received a notification from them that the Information would remain. That was not enough time to recertify the Information. I am respectfully asking for this Information to be removed due to invalid verification and incorrect reporting. Thank you for your assistance in helping with this matter. 
Kind Regards, XXXX XXXX XXXX ss # XXXX XXXX XX/XX/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 2020-03-20
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 last statement on the Target Redcard/Store card stated my payment due date is XX/XX/2020 ( please see attached document ). I made my payment on XX/XX/2020then their system automatically generated a late ee charge of XXXX and automatically added to my next payment will be XXXX minimum payment instead of XXXX. This was confirmed by the customer service representatives that my payment always due on the XXXX of each month. The last statement was obviously a computer error but it was not my fault. I called in and spoke the first representative who told me he will adjust the late fee of XXXX and credit account but myXX/XX/2020 payment is still showing XXXX minimum due instead of the XXXX. I called in and spoke to a supervisor XXXX but he refused to adjust my minimum due for the XX/XX/2020 payment. Please help me straighten this out because its not the consumers fault. If it is a computer error Target credit should be responsible for this matter and it shouldnt be at the customers expense. I dont want them to report to my credit file that I have a late payment if I only make the XXXX minimum payment excluding the late fee. My other concern is how accurate they are with their banking system. How do the consumers know if their interest calculation is accurate. Believe me. Im working very hard trying to pay off this card ASAP and close out this account for good. My goal is to get it done by the end of this year. Please take a closer look at this matter and see how many more consumers are affected by this problem. Thank you very much for your help. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a cash advance on XX/XX/XXXX for {$200.00}. I was charged a {$10.00} fee for same. I was also charged at that time a cash advance fee of {$2.00}. This appeared on my XX/XX/XXXX statement. Once again on my new statement of XX/XX/XXXX, I was once again charged {$2.00} cash advance fee. I called Barclays Bank and was told that I was being charged the {$2.00} because of the XX/XX/XXXX cash withdrawal. I already paid that {$2.00} fee on the last statement. So why am I being charged again on XX/XX/XXXX for a cash withdrawl on XX/XX/XXXX, for which I already paid the fee. I spoke to XXXX who has absolutely no idea what she is talking about and could not answer the question. There is also an additional fee of {$31.00} added to my XXXX statement because XXXX said I didn't make any payments between XX/XX/XXXX - XX/XX/XXXX. However, There were four payments : XX/XX/XXXX for {$1500.00} XX/XX/XXXX for {$2500.00} XX/XX/XXXX for {$2300.00} XX/XX/XXXX for {$1800.00} for a total of {$7100.00}, so why am I being charged additional fees. I am being charged over and over again for fees that were paid already. Unfortunately, nobody at XXXX is smart enough to figure it out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
I received a check for {$300.00} for a painting I sold to a lawyer. The check was from Union Bank, so I went to go cash the check at a Union Bank. Since I also bank with Union Bank, I know they will cash checks from their bank for {$5.00} fee. I did NOT want him to have my account numbers, so I did n't want to deposit the check in my Union Bank account, or use my ATM card to cash the check with. Everyone at the branch was very rude and refused to cash my check unless I showed them my ATM card. I pulled out my cellphone to record a video of how they were acting and how they were treating me. As soon as I started recording it, they complied and cashed my check with XXXX other forms of ID and took out the {$5.00} fee. 2 weeks later I receive a certified letter from Union Bank stating that because of what happened, they are going to close my account. The check was fine, so how are they allowed to do this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear XXXX XXXX, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with XXXX my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth XXXX lease. Back in XXXX my bank was XXXX  XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when XXXX XXXX contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at XXXX XXXX told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for XXXX. I was wondering if those late payments could be taken off my credit report because I did exactly what the XXXX XXXX Agent told me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Well in XXXX I purchased a loan from Homcomings Bank all was well never had one issue. Then in XXXX my loan was sold with out my knowledge to Gmac and thats where all the problems began. Payments were n't either applied to my account or were applied only to my escrow etc. I would call and complain and they would see they would handle it. Then these extra charges began to show up on my account and I would call and exspect the problem to be resolved but it never would. Then in XXXX my account once again was sold to a nonbank mortage company OCWEN. And the problems have just gotten worse number one every single time you call there is a person who doesnt speak XXXX and has no idea to what the heck is going on. So then we began talking by email. Then they requested we sent them are orginal documents. Number one should they already have all that? " Correct '' After that about month letter they sent us documents with there logo and some print out of the account payments from begining to end. How still owe XXXX on a {$15000.00} loan. XXXX Here the funny thing in XXXX my account was paid down to XXXX and all I have paid in XXXX is XXXX when I have made {$260.00} to {$300.00} a month payments. The documents they have sent saying I had a ballon account from the get go. The documents they sent do not match my documents. Its almost like they have cut my signuture out Pasted it to there papers. And trust me that can very easy be done. I saw other complaints against this company and they are all basically the same as i am Experiencing now. Someone needs to do something this is just crazy ... ... .PLEASE DO SOMETHING as well they have returned all my payments from XXXX on of this year and they took payment in XXXX, XXXX and then in XXXX they returned all the payments in XXXX weeks of cashing them. And been sending forclosing letters etc. What in the heck is wrong with these people?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: ERC
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: Account information incorrect

Complaint:
I accessed my credit reports and see that Enhance d Recovery Services and reporting as ERC for accounts that are reporting as well. They are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and would like for them to d elete the information they are not bound to report. i have reached out but to no avail they are refusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Upon checking my XXXX Comenity Bank account on XX/XX/XXXX, after notified by a text from XXXX on XX/XX/XXXX and XX/XX/XXXX, I saw a list of late fees and minimum charges on my bank account, totaling up to {$84.00}. This charge should not be here in the first place since I have always make my payments on time ( please check all the statements from before as well as all my credit score if you can get it ). I have scheduled my payment for statement of XX/XX/XXXX ahead of time and selected pay on the due date, which is XX/XX/XXXX. However, the system only posted the payment on XX/XX/XXXX. I would not know this payment was late and only posted in XX/XX/XXXX until Comenity Bank contacted me via text on the XX/XX/XXXX and XX/XX/XXXX. ( I do not touch this account unless I know I have made purchase with it ) I have contacted collection department of Comenity Bank and escalated the issue to upper management, spoke with XXXX and she could removed part of the fee but not all the unjustified charges off my account. 
It is obvious how credit card company 's only way to make their profit is by incurring high dollar charges under various reasons. In this case, the online banking system used by Comenity Bank is at fault, in which it wrongfully posted the payments 2 DAYS later and incurred unnecessary charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XXXX/XXXX/17 I tried to add XXXX XXXX to my Digital wallet, XXXX _ but XXXX. XXXX is blocking me from doing this.

Company response to consumer: Closed with explanation