BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The amount Cardinal Financial took from me to pay off my loan with them when I refinanced is more than they should have. I've talked with them several times and each person I've talked to agreed the numbers didn't make sense so they resubmitted it to be officially reprocessed. After 2 months of waiting for this response, it came back and was clear either the person didn't pay attention to the complaint or doesn't understand how the numbers should balance because they confirmed that their numbers are correct even though it doesn't make sense. Details below : XXXX XXXX XXXX sent {$500000.00} to Cardinal Financial to payoff my mortgage ( per attached final escrow statement ). 

On XX/XX/2020 Cardinal Financial processed a total of {$500000.00} from me broken down as {$490000.00} as principal, {$1900.00} as interest and {$110.00} from my escrow account. ( per attached  screenshot of my Cardinal Financial account, transaction from XX/XX/2020 down towards the bottom ). 

Cardinal Financial shows the amount to payoff loan in full was {$500000.00} ( per attached payoff statement from Cardinal Financial ). My first question is why this should be different from the {$500000.00} that the escrow/title company thought was the full payoff amount? I don't understand why those numbers are different but I will assume Cardinal 's number is correct ( but I can't feel confident in any numbers produced by them ).

Cardinal says they did not receive payoff funds until 2 days after what was included in the payoff statement so there was 2 extra days  of interest. {$47.00} per day times 2 days equals {$95.00}. They also mention the fact that they received {$19.00} less from the title company than what was needed to payoff the loan. Given they received the funds 2 days late, the new total to payoff the loan should be : {$500000.00} + {$95.00} = {$500000.00}. ( I shouldn't need to add the {$19.00} again because that's included in their payoff amount of XXXX ). 

The transaction on XX/XX/2020 shows that I paid a total of {$500000.00} which is {$82.00} more than the {$500000.00} I should have paid. 

If their payoff number is correct they should pay me {$82.00}. If the escrow/title company 's payoff number from their final statement is correct they should pay me $ XXXX $ XXXX {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NE
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:
Equifax Inc. 's systems were struck by a cyber-attack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. 

After using Equifax 's link www.equifaxsecurity2017.com on XX/XX/2017, it was confirmed " your personal information may have been impacted by this incident. '' Equifax allowed my information to be divulged without my consent. Equifax used my report improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
I moved to another state ; attempted to change address multiple times with Citi. I had not received a statement from Citi in over a year. I called multiple times to change my address. I could not reach a human being until I called on XXXX/XXXX/2016. I was told by this person, my payment due had increased and I was now over my credit limit ( mind you I used the card one time for a promotional purpose when I opened this account ). Citi had charged multiple fees and penalties onto my account and had NEVER notified me of an issue. Upon calling in and finally getting a person to speak with ; Citi has refused to do anything other offer to waive XXXX interest charge and XXXX penalty fee. 

I believe Citi to be acting in a malicious manner towards consumers. Creating a maddening voice response system to cause confusion and near inability to speak with a live person, not promptly updating address records, and not contacting the consumer when there is an issue with the consumers account. Thus resulting in more ad more fees being added to the consumers 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 monetary relief
Consumer complaint received 2016-03-23
Company: U.S. BANCORP
State: MS
Product: Credit card
Issue: Late fee

Complaint:
Elan Financial Services credit card Payment services website states " Payments with a Payment Date equal to todays date can not be modified or deleted after XXXX XXXX. CT. '' Yet a payment made at XXXX XXXX. CT. are considered late. When I called the supervisor informed me the cut off time is really XXXX XXXX. so cutoff at XXXX XXXX. is a false statement on their website and needs to be corrected as they are assessing a late fee at XXXX instead of XXXX pm.

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 2016-04-21
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a BUSINESS checking account at US BANK in XXXX, NV and was NEVER advised that a BUSINESS checking account DOES NOT have an opt in/out option, its automatic overdraft protection. Went over by approximately {$85.00} and in 4 months was charged approximately {$380.00} in " fees ''. I agree I made XXXX mistakes, I did go over and they did send the statements. This is a NEW Business so I do n't have a lot of activity, so It 's an easy oversight as a NEW business XXXX. I feel like US Bank by NOT advising the BUSINESS their checking policies has caused me harm as they closed the account and turned me into 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 2016-09-09
Company: U.S. BANCORP
State: WY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 'm trying to get a mortgage, a credit report was pulled on me for the first time in many years. It revealed a credit card account with an account balance of {$6000.00}, opened in XXXX of 2007, with USBank. I know nothing about this account, and have never had an account with USBank. Someone has been making payments of {$40.00} per month on the account and my credit rating has thankfully not been impacted. 

I checked with USBank, a branch office in my town of XXXX Wyoming, and they have no record of me, or of the account. 

I filed a dispute with XXXX, they said it will take 30 days. I 'm trying to get a mortgage and I need this removed from my credit report asap. I want USBank to get on this right away, I ca n't afford to wait 30 days. 

I 'm afraid that an employee of USBank has fraudulently opened an account in my name and is making payments on it to disguise its existence, and it only became apparent when my credit report was pulled.

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 2020-09-30
Company: EQUIFAX, INC.
State: LA
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 SENT 2 LETTERS TO EQUIFAX ON THE XXXX AND XXXX OF XXXX, WITH NO RESPONSE CONCERNING THE INACCURATE ACCOUNT OF XXXX  , XXXX.THIS HAS BEEN A STRESSFUL PROCESS WITH NO HELP IN THE MATTER.XXXX ARE REPORTING DUPLICATE ACCOUNTS WITH EQUIFAX AND THEY WONT REMOVE THE ERRORS.I HAVE ATTACHED THE COPIES OF THE LETTERS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
We have a Best Buy credit card. We recently noticed we are being charged a fee each month labeled as " DEBT PROT XXXX. '' This is not something we signed up for or agreed to. We believe this is a predatory lending practice. The fee totals about 1.01 % of our balance each month. We have been charged a total of {$150.00} since XXXX 2015 which is the oldest statement we have access to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-11
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found a collection from enhanced recovery reporting {$270.00} for XXXX. This bill is nearly 7 years old and they are barred from trying to collect on it. I do n't appreciate enhanced reporting this to my credit file. They are pushing me around because i am a single female and they want to make my life hard so I ca n't get nothing on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
As of XXXX 2017, the credit bureau, compromised many Americans personal information and just recently released this finding to the public. I am filing a complaint to ensure that not just me, but those that have been effected, get their lost or stolen identity back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
My Citi Thank You Card ending in XXXX shows a current balance of {$14000.00}. 
However, my year end spend summary has arrived, and whilst these XXXX numbers should match they do not. It turns out as I have suspected I have OVERPAID and Citi Thank You actually owes me {$2600.00} and potentially more since I paid interest on items that should not have applied.

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 2022-05-25
Company: Specialized Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Specialized Collection Systems INC Account Number : XXXX To XXXX XXXX XXXX : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt to Specialized Collection Systems INC. Please attach copies of any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.I require compliance with the terms and conditions of this letter within 10 days, a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of Texas medical privacy rules.vI also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have reached out several times in regards to these inquiries. And I was told there are not accounts found. And they are all on my report. I did not authorize any of these accounts or inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing because I have become very saddened by XXXX XXXX actions and XXXX. They purchased my account from XXXX. I paid XXXX actions, and they have sent me letters verifying a XXXX balance for XXXX and for them, also I have documentation stating paid in full. They just refuse to remove off my credit reports, and it 's hurting me as I apply for XXXX requiring a XXXX and higher. When I called XXXX, to file a dispute I was told that there was no point of disputing this information. But, as I exclaimed to her and XXXX XXXX, this is no longer a valid debt, and XXXX XXXX had agreed to remove from all my credit reports once final payment was made. Since, I have made payments as agreed, I just want them and XXXX removed from all my credit reports. The XXXX is due to fall of next year, but it 's currently hurting me as I apply for better jobs, and look at buying a home. On Transunion, it does n't state paid,. Can you please help me?

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 2015-08-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I basically was offered this XXXXXXXXwhich was XXXXXXXXpoints for signing up with Citibank and spending {$1000.00} in 3 months or less after me opening an account. I have repeatedly contact both XXXX XXXX and Citibank for 2 months now and they keep blaming XXXX another. Nobody seems to care to honor their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Residential Credit Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1.I am a XXXX year old vet. Single Mom. Went through XXXX. used up all savings. Federal student loans were expunged. Survived thanks to V.A. : but got behind on my XXXX loan. 

2. I filed a bankrupcy to save my home from foreclosure. 
3. Paid XXXX {$10000.00}. 
4. Finish bankruptcy successfully. 
5. XX/XX/XXXX loan was sold by XXXX to Residential Credit Services Inc.This is where XXXX starts. 
In XXXX 2015 they stopped sending paper statements. I told them I had to have a paper statement to see how my loan was doing. I am XXXX now and have XXXX -- sometimes do n't have internet connection. 
They refused saying : " we do n't send statements to you bankruptcy folks anymore. '' NOW : XXXX XXXX CALLED FROM RCS LOSS PREVENTION : he called me and demanded {$6000.00}. 
I said : how can that be? I paid all the arrears in bankruptcy. After than period, I have n't missed a payment. '' He said : " Oh, this happens to lots of folks. They have n't really paid enough in the bankruptcy. That 's why there still money owed. I suggest you try a loan modification. or pay it all right now. We 'll start foreclosing if you do n't. '' Later, when I called RCS to see if a scammer had called me, they seemed genuinely confused. It says here you owe {$6000.00}. said XXXX. " Fax us all the info you have : the bankruptcy papers, the Money order receipts, a letter carefulling detailing everything. We 'll look at it an figure everything out. '' I had all these things, ( including a mortgage analysis which was worthless. ) I have hundreds of papers.Also, the attorney who originally filed the bankruptcy, XXXX XXXX XXXX. in XXXX XXXX. 
" You mean -- I have to PROVE I 'm NOT IN ARREARS? '' " Yes. '' " Meantime, you might have foreclosed by the time it 's all straight. ' " yes. your attorney can fax the info. ' I realized right then : They did n't know or have my mortgage information. 
My hair stood straight up. they wanted it from me because theirs was messed up. 
Meantime, I might loose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong 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 2020-09-30
Company: Experian Information Solutions 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:
MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  XXXX of XXXX. Also Receive a email from XXXX  today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling XXXX  i have a list of account that was open and use without my consent i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IF XXXX  Failed To Remove These Accounts or Do A Proper Investigation Into This Matter By Providing Proof Of Verification Such As Contracts Sign Ducs, and Proof Of Id Ill Be Seeking Legal Assistance To Press Charges!

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 2016-01-22
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage loan of my house was sold to Caliber home loans and I have a sale date on XXXX XXXX, 2016. I am not being given a change to get any of the work out options to keep my family home. When I called I was told that I have a person who handles my account. Left few voice mails but no call back. I want to modify my loan but I am being told that there is not enough time to review for modification and sale date will not be postponed by customer service representatives.

Company response to consumer: Closed with explanation