BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: OH
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 ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXXXXXX XXXX XXXX for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them several times and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came. 

However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. XXXX and Equifax have not. 
I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is XXXX XXXX XXXX on XX/XX/2023. 
I reached out to US Bank on XX/XX/2023 to request for PMI removal. US Bank took the {$190.00} fee that day. And I expected a call from a realtor for a BPO as I chose to do it based on current valuation. 
However, I did not hear from anyone so I called US Bank to follow up on XX/XX/2023. 
At first, they told me they rejected the request and returned me the {$190.00} because it should be {$410.00} for an appraisal. I told them that is wrong because US Bank puts in writing that it would be a BPO ( Broker price opinion ) and not an appraisal. 
The staff changes to another reason that my loan balance does not meet the XXXX based on origination value. I told them that is wrong because I specially requested the removal based on current valuation, hence I paid the {$190.00}. 
The staff then changes again to another reason that I did not meet the substantial improvement dollar value that XXXX XXXX requested for the loan that is less than XXXX XXXX XXXX. They said XXXX XXXX requires me to spend {$45000.00} substantial improvement ( 10 % of my original valuation ) and I have only spent {$10000.00} that can be counted towards substantial improvement. I told them that is wrong because the XXXX pages XXXX XXXX guideline does not have a dollar value or % that I must spend on substantial improvement. I asked for the proof. She then transferred me to someone from the mortgage removal department and that someone told me she would get her boss to call me. No one called me. 


I called again the following week and now they said to receive the proof, I need to put in the request and they would send it by email and mail by the end of business day of XX/XX/2023. 

Nothing is received so far. I called again today on XX/XX/2023 and they told me that they mailed out a letter yesterday and I would receive it within 10 days. 

This is their sneaky way so that I will not be able to do the removal by my mortgage 2 year anniversary ( XX/XX/2023 ). And they keep telling me that I can do it after the 2 years so I can get away from the substantial improvement. However, after the 2 years, XXXX XXXX will require 75 % XXXX ( instead of 80 % before XX/XX/2023 ). This is how US Bank cheated us consumers to continue to pay the private mortgage insurance even though we might be qualified to have it removed. No where in the guideline XXXX XXXX requires such dollars but US Bank tries to use such wording to shut people up.

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 2023-07-21
Company: SYNCHRONY FINANCIAL
State: AZ
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 had a promotion with Care credit and paid off the promotion. They still charged me all the intrest. I was told it was adjusted off XX/XX/2023. It is still on my account and now charging me intrest on that intrest. I am told it is being removed but have to wait 1 to 2 billing cycles. I want this off my credit report. I have waisted so much time with this company.

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 2023-07-21
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls 7 to 8 times a day. Company repo vehicle after being 2 months behind after i made a agreement over phone to pay 3 days before it was repo. Explained that because of all issues with car and excessive fees i could not get back. A lemon that was patched up to sale. It was no need to call me that many times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a DUNNING LETTER from XXXX affording me the opportunity to dispute, settle, discuss or anything prior to getting a summons, this is a direct violation of the FDCPA ( FAIR DEBT COLLECTIONS PRACTICE ACT ) Also, The summons was not given directly to me but instead, it was given to a XXXX  that is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX  because he is not mature enough to understand the ramifications of this process and he is thinking that you can possibly face jail time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Chime Financial Inc
State: OH
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:
on XX/XX/2023 about XXXX the first transaction of XXXX was taking then again at XXXX XXXX was taking i called into chime thinking i had the correct customer service number that i received off XXXX  for support on my chime credit builder card do to not being able to access funds and use my card when calling the number i received i was direction that they were verifying my account and that i needed to downloaded a app called XXXX XXXX once i downloaded the app i seen them as they was moving my funds around on the chime app from one account to another untill they did something to where the sent my money out my account to someone account as soon as i realize what was going on i contacted chime and explain to them the situation put in a dispute and less then 24hr my dispute was denied through chime

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Account name : Bankruptcy XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX The United States Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX does not release or act as a third party data furnisher for the Credit Reporting Agencies . Pursuant to Rule 9037 ( a ) of the Federal Rules of Bankruptcy Court Procedure " Privacy Protection For Filings Made with the Court '' ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. In accordance with 11 USC 107 ( c ) ( 1 ). Public access to papers ( c ) ( 1 ) The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individual 's property : ( A ) Any means of identification ( as defined in section 1028 ( d ) of title 18 ) contained in a paper filed, or to be filed, in a case under this title. ( B ) Other information contained in a paper described in subparagraph ( A ). Based on the foregoing, Experian through third parties have collected private information that was not intended for disclosure, illegally obtained and profited said information without my consent or consent of the bankruptcy court. Such illegal obtaining and subsequent disclosure amounts to harm to me and has opened up identity theft concerns. 

XXXX obtained redacted information illegally and subsequently sold the illegally obtained information to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act APPLE CARD XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly 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 finish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account underman open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Madam/ Sir, CFPB : This is in regards of an Unknown debt collector that is in my credit reports files. And it is not mine and does not belongs to me. This unknown debt collector has damaged my credit and is reporting false information on my credit report. This is a fraudulent activity and they are stilling from a third party Bank. As Stated on my XXXX credit report agency. And this unknown and false collector is committing an act of FRAUD. They keep calling me every other day and living voice telephone messages on my telephone, harassing me and threatening me. I request this debt collector to take out this debt that is not mine and does not belongs to my self from my 3 credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: TX
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 Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B- A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo had a lawsuit and I never got a check, my XXXX was stolen and someone in XXXX va made a postal account in my name, did you send them my checks? If so were they cashed? If not then my checks need to be sent to me the rightful person

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 2023-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage balance discrepancy with Chase prior to loan being transferred. Requesting copies of monthly statement or detailed payment history from XXXX thru XXXX. Payment history to include : -beginning monthly balance -escrow balance -payment & interest -escrow balance YTD paid -interest paid -taxes paid -principal paid -insurance paid -PMI/MIP paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer from Citi bank to open a checking account with them and I would receive XXXX bonus miles if completed within 90 days. I opened my checking account on XX/XX/2023 and completed all the requirements to receive the highest amount of XXXX miles within 30 days after opening. To this date I have yet to receive anything into my XXXX XXXX XXXX account XXXX have attached screen shots of the offer to confirm.

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 2023-07-25
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had created many PayPal accounts when I was hosting and registrant of XXXX XXXX XXXX since XX/XX/2004. I never received a single dollar from viewer of website and this has resulted in early death of my mother in poverty and my poverty. I am injured These are the emails XXXX XXXX XXXX XXXX XXXX XXXX I had connected to PayPal.com Yesterday I was clearly attacked a Paypal account linked to my email XXXX and linked to XXXX  account XXXX got deleted Someone has stolen the Visa debit atm I had linked to XXXX I setup in XXXX XXXX I need my domains and accounts back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
someone either got access to my account, my debit card, or a combination of the two. I disputed many transactions, most of which were refunded by the company, because they realize they were fraudulent. However, my bank then again had reversed transactions ; which were all fraudulent may have taken a little more time to re-search, and then again withdrew my money even though it was fraudulent activity on my card. 

I repeatedly asked them to escalate the transaction and reverse them They continuously say theyre doing that, and then nothing ever happens. 

I offered to make a police report and sign an affidavit. They said that wasnt necessary however, theyre still taking the money out of my account. 

can you please help rectify the situation theyre taking advantage of me I have other bank accounts, and I have no issues with this is the only one! 

Also remove any issues with any banking systems that were involved, because I definitely dont trust him at this point

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: Commonwealth Financial Systems, 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:
This collection agency is violating my rights. This account is a complete violation of the no surprise act 2022. Delete immediately. My privacy is protected under HIPPA laws. If you fail to remove litigation will follow. I have a medical bill that an out of network provider is charging me without my prior authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX vs. XXXX  ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
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:
XXXX is in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I was not notified 5 days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent. It has been over 60 days since XXXX has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 168XXXX ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXXXXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX XXXX XXXX  Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX  Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Select Portfolio Servicing sent me an escrow analysis that showed the wrong date on my Hazard Insurance renewal. This was an error that showed I would be paying it 4 months early and the analysis was showing 3 payments of Hazard Insurance in the 2 year analysis. 

I sent a written letter informing them of the error, they acknowledged the letter received XX/XX/XXXX and the letter was dated XX/XX/XXXX. There was no follow up with regard to the letter so I called on XX/XX/XXXX and was not able to resolve the issue. 

This will cause my payment on XX/XX/XXXX to be higher than it should be, and if not resolved in a timely fashion cause me financial hardship as there will be more than {$4700.00} overpayment of escrow by XX/XX/XXXX. 

Since I live in Florida and my original loan documents make no such requirement I would like to have the 2 months of reserve escrow also known as a " cushion '' removed from my escrow as there is NO such reserve required in my original loan documents. My loan may have been sold and transferred from the original mortgagor but the original terms of my loan are in effect. 

Also, please note the files statements and letters they provide on their website are coded in a way that when saved are corrupted and don't allow you properly save them but get only an error. I have saved some of these statements and letters from the website but am not able to upload them here. The phone app they have does allow you to save the files properly but they took down the acknowledgement letter from the app. I can print these corrupted files but not save digitally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account in XX/XX/XXXX with an offer for XXXX AAdvantage miles. I completed the offer requirements and was told by a Citibank representative that the offer had been applied to my account and the miles would be credited by XX/XX/XXXX. They now tell me I wo n't be receiving the miles.

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 2023-07-26
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX XXXX XXXX  I applied for a credit card issued by goldman sachs for the XXXX rewards card. During the application process I was asked to do a XXXX time passcode and submit an ID. I got approved for the card and I started to use it right away and make some purchases however on my first attempt I was declined so I called customer service and spoke to XXXX of their representative but then transferred me over to the fraud department. They tried to pull me up in XXXX XXXX and because they can't find any information about me since I did opt out because of an abuse which I also informed them proactively that I am at risk of physical harm, they locked my account and claimed that they couldn't verify my identity even though I did submit ID and perform XXXX time passcode and only for the reason that they couldn't pull me in XXXX XXXX. This act of Goldman Sachs  is XXXX  because it is well known in financial industry that you can request to opt out with XXXX XXXX for a reason the deem fit like abuse of if you are a well known individual and/or political. Due to me being an ordinary individual, my statement wasn't valued when it comes as to why I am not on XXXX XXXX. And also they didn't value the fact that I am an XXXX XXXX credit card holder which is also issued by Goldman Sachs and uses the same information.

Company response to consumer: Closed with non-monetary relief