BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
US Bank has charged over {$4000.00} in fees to my account in 2019. I asked them to 1 ) refund / waive the fees or portion of the fees to my account and 2 ) adjust the account so there is no curtesy coverage for when the funds go into a negative ( return the payment do not honor if it brings my account into a negative ). 

US bank assessed fees and other costs even when they plain returned the payment and did not honor it. As other times, they haphazardly honored certain transactions but dishonored others. There is no steady service in this regard as they never know what payment will be honored and what payment will not be honored. Regardless they always charge fees and I suffer damage. 

So, I asked to evaluate the fees total of {$4000.00} for 2019 and make remedies but no response as of now. 

My account does not deposit more than {$4000.00} into the account on monthly basis and often less than {$4000.00}. I believe {$4000.00} a year in fees assessed against such a small account works to shut down my business as a sole-proprietor as it is excessive. Need your help addressing the issue and figuring out the motifs.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: MD
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, XXXX XXXX who is a natural person/consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this issue after numerous of attempts. Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairly and accurately reporting information on my consumer report. Furthermore, pursuant 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR THESE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT! Their actions is damaging my reputation, character, credit worthiness since their failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report per 15 USC 1681e ( b )

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 2020-03-02
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A Company Professional Bureau Of Collections of Maryland , Inc. Is  trying to extort money from me on a alleged debt they say i owe. I don't know how they got my information but they are sending me personal information. I ask them to cease and deist but they are refusing to leaving me alone. they are not threatening me to pay. I filed and identity theft report with the FTC identity theft department. I don't know how they got my information i wanted to pay for sending misleading and false information under the FDPCA. I never signed any contracts with this company ever in my life. They stole my Identity to get my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: BROKER SOLUTIONS, INC.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted New American Funding for a customized rate quote and decided it wasn't in my best interest to pursue a refinance, then scheduled a call the next evening to discuss this with an agent. Since then I have been hounded by agents from their company calling 4+ times during the work day for the past two days, despite insisting they stop attempting to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Statewide Credit Services Corp.
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:
A debt of {$280.00} that was paid off and closed last year was not removed from my XXXX credit report when it was disputed. I would like it to be removed as it is a closed and settled account and it has been that way for over a year. I have left a message with the collection agency ( Statewide Credit Services, XXXX XXXX, NY ) and have not heard back from them. This one negative item is inhibiting me from getting a mortgage and has lowered my score immensely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of Identity Theft, Incident # XXXX, XXXX Police Dept. Many accounts were opened in my name fraudulently between XXXX-XXXX. Due to the ID Theft I had to close by bank account a few times and also I had to get a modification. The company told me to not make any payments until the modification was complete. I would like to start an investigation on the following account : XXXX XXXX XXXX Opened : XX/XX/ Amt. 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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX XXXX via XXXX XXXX XXXX ran a hard credit inquiry without my permission. I have not been able to get this hard inquiry off my 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 explanation
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: WV
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 have disputed a XXXX XXXX account that is being reported to all three credit bureaus and had no luck with getting accurate information published.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, my name is XXXX XXXX. I already did complain about Citi Bank. They close my checking and saving again, and on my last complain, they was response to me and gave me check from my checking account, but they totally forgit about my saving account, I also had money on saving account!

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX 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 2020-03-02
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX  and qualify for a XXXX loan forgiveness program. Naviet continues to deny me for this program. Each time they state the reason, I correct the application then they find a new reason to deny the application. This has happened at least 5 times. Each time I ask them if there is anything else needed and I am told no that the application will go through once this item is " corrected '' most of these corrections are not really needed they are " administrative items ''. It is clear to me that Naviet is intentionally stalling and hoping that I will give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
AFTER THESE GLORIFIED CROOKS CLOSED MY ACCOUNT, THEY ACCEPTED A PAYMENT FROM XXXX XXXX PLAN OF {$680.00} THAT WAS DIRECTLY DEPOSITED ON XX/XX/2020. THEY WOULD NOT ACCEPT A PAPER CHECK PAYMENT THAT I TRIED TO DEPOSIT TO KEEP MY ACCOUNT OPEN OR AT LEAST REOPEN IT AND THEY CLAIMED THEY COULD NOT ACCEPT IT BECAUSE IT WAS ALREADY CLOSED AND YET THEY KEPT MY DIRECT DEPOSIT PAYMENT I WORKED HARD FOR OF {$680.00}. HAD THEY RETURNED THE PAYMENT TO XXXX, I WOULD HAVE BY NOW GOTTEN A PAPER CHECK FOR THIS AMOUNT. BUT INSTEAD, XXXX, ACCORDING TO XXXX  WHOM I SPOKE WITH ON XX/XX/2020, SAID THE FUNDS WERE ACCEPTED AND ASSIGNED THE EFT NUMBER XXXX ON XX/XX/2020 AS MENTIONED ABOVE. I AM DISGUSTED THAT SUCH A THIEVING FINANCIAL INSTITUTION WHO NEVER HELPED ME WITH MY SMALL BUSINESS WOULD COMMIT SUCH THIEVERY WITH ALL THE MONEY THEY MAKE SUCH AS OWNING A STADIUM  FOR THE XXXX XXXX CAN BE SO XXXX. I AM WITHIN MY RIGHTS TO CALL THE FBI FOR WIRE FRAUD COMMITTED BY THIS THIEVING FINANCIAL INSTITUTION.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) 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. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-06-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Attempted to make an online payment to our mortgage compan y Loancare. No error message ever received to show payment did not go through. Assumed payment went through as it has every other month we have paid online. Went to make next months payment it shows we are 30 days late. I called and Loancare said yes we can see you did log on and attempted to make a payment but it did not go through but sorry we ca n't help you.I had to make a payment over the phone for both months because again the website would not work. They said they could not talk to me about it and to email a dispute which I immediately did. Loancare then reported a 30 day late to our credit. We have sold our house, my elderly parents are moving in with us because they are sick and currently live far away. Loancare said they ca n't talk to us over the phone, it will take 60 days to review the dispute and sorry we ca n't help you. We are not unable to purchase the home we are supposed to close on in 2 weeks.  They wo n't look at a dispute or talk to us for 60 days but already posted to our credit.

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 2017-06-09
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my  XXXX  bill on time. The escrow in the account was just re-evaluated and I sent in the incorrect amount. I paid {$820.00} when I should have paid {$870.00}. This is totally my fault that I did not put the entire amount correct due to the escrow change.   My contention is that the mortgage was paid the other amount goes into an escrow account until needed.   They sent information to the credit companies stating that I did not make a payment. I clearly made a payment but I have been treated as if I had paid nothing. This was clearly a mistake on my part. The problem is being treated as if I did not even attempt to make a payment. As a result, m y credit score  has dropped by  XXXX  points.  <P/> I have asked that they send a retraction to the credit companies and they will not do so.  <P/> I do not know if this is a federal regulation or if this is company  policy from my Ditech my mortgage company.    I need more help than just a supervisor saying no we did not receive the entire amount and I ca n't help.   I work hard to impro  ve my credit score and this has destroyed it from a very good score down to a average score.
I do not have the choice to p  ay my taxes and insurance on my own, and do not have the choice of changing my loan servicing company. At this poin this is what I would like to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
I called equivalence to have account removed from credit report citing violations pertaining to my consent and privacy Siting these US Codes Title 15 Chapter 41 1681b Permissable Purpose Title 16 Chapter 94 I was like accounts removed from my credit report. 

Equifax and XXXX acted fraudulently and on my behalf and I did not knowingly consent to these partial practices as they are violations of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I borrowed {$7000.00} to finish paying for a class I needed to finish my degree. I had to get a co-signer, my daughter. I have been paying three years and still owe XXXX on the loan. I am paying XXXX per mo. and yet get no principal applied on several of my payments all on time. 

I was told that I need to pay XXXX a mo. to finish paying off the loan in 10 years! This is ridiculous. I can not afford that type of payment. 
To begin with, I was XXXX from the XXXX XXXX and XXXX   after having several operations. This is when I returned to college at age of XXXX. I am now XXXX and work 5 days a week at the XXXX, but still struggle because of incurred debt and raising XXXX children. 
This navient bunch lied and are misapplying my payments and constantly change their story as far as my payments ... ..HELP!! 

XXXXXXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: VA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2022-04-05
Company: EQUIFAX, INC.
State: VA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 response to consumer: Closed with explanation