BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This is related to a complaint filed against XXXX ( XXXX ) I have an account with XXXX as well as US Bank. On XX/XX/2020 I logged in to XXXX online and submitted an inter-institute-transfer to transfer a large sum ( 90 % of my all of my balance with US Bank ) from my linked US Bank to my XXXX account. On XX/XX/2020, that sum was deducted from my US Bank account and I was left with a small amount ( 10 % ) in that bank account. Not worrying much, as I thought the funds will be in XXXX account the next day or so. But till today, XX/XX/2020, funds never arrived in my XXXX account. 

I filed numerous complaints with US Bank and XXXX. Both blaming each other. But XXXX 's final analysis is US Bank erroneously sent funds to XXXX  XXXX XXXX, instead of sending to XXXX. So all US Bank needs to do is demand XXXX XXXX XXXX to return those funds as I have no account with XXXX  XXXX XXXX. So Area Director of XXXX got on phone with me to get help from US Bank, but the US Bank branch staff refused, stating that they can not help, call customer service. When we called US Bank customer service, they had no clue what number to give us. Area Director of XXXX spent pretty much all day to connect to someone at US Bank with no luck and so did I. 

And after 45 days I am without funds, without any direction.

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 2015-03-23
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing about a billing from the Public Defender 's Office dated XXXX/XXXX/XXXX. To date, TWELVE YEARS LATER, I still have not been provided with a detailed itemized bill listing the services rendered. I XXXX requested an itemized bill on XXXX XXXX, XXXX. That request went unanswered. My XXXX notice of the {$2400.00} billing was a XXXX XXXX, XXXX notice from XXXX XXXX XXXX advising me that the Office of the Public Defender referred my account to them for collection. I wrote again on XXXX XXXX, XXXX indicating I had not received any documentation, requested the detailed time sheets and asked what recourse I had regarding the gross professional negligence regarding the " service '' I received. No one in the office, responded to my letter. On XXXX XXXX, XXXX I received another notice, this time from Financial Asset Management Systems, indicating they represent New Jersey 's Office of the Public Defender for collection of the balance I owe. Again, on XXXX XXXX, XXXX I wrote still another letter, attached my previous request and asking for detailed information on the services rendered by the Public Defender on my behalf. 
The New Jersey XXXX XXXX XXXX XXXX XXXX sent me a printout dated XXXX XXXX, XXXX from XXXX omitting any contact information for any further inquiries. In addition, there was no reference to what recourse there is for any disputed charges, just long-worded reminders about their authorization and powers to collect through whatever means possible. I have serious issues with the billing and wrote XXXX XXXX XXXX from the NJ Office of Dispute Settlement on XXXX XXXX, XXXX. Unfortunately, many of those represented by the OPD do n't have the resources to do so and may very well be unfairly charged and financially victimized. I was referred to XXXX XXXX XXXX, Chief Fiscal Officer of the NJ Office of the Public Defender, who sent me an itemized billing and offered me a settlement of {$750.00}. I refused any settlement because I disputed the services provided in detail and XXXX XXXX said he referred my entire matter to the NJ Public Defender Management for a decision on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, according to XXXX XXXX, my matter was still under review. I have not heard a word from NJ Office of the Public Defender Management on my dispute nor an answer to my questions which I have been asking sinceNow, for the XXXX time ( XXXX, XXXX, XXXX, XXXX ) I am receiving collection notices, this time from XXXX of Michigan. I have not received the documentation I have requested for over TEN YEARS from the NJ Office of the Public Defender, but am receiving collection notices for a debt which is invalid. 
I can and will provide documentation, names, dates, etc. to support my statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Late fee

Complaint:
A card I have operated through Macy 's has assessed me an inordinate amount of unwarranted fines. They charged me late fees ( {$130.00} ) on bills I never received and refused to refund them.

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 2016-02-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
citi bank is charging me {$1.00} interest on an account that is paid in full each month. my payment is due on the XXXX of each month and they are saying i made my XX/XX/XXXX payment late as they they received it on Monday XXXX XXXX. my due date was on a sunday. it is my understanding that state and federal law say when i payment is due on a sunday they can not charge a late fee or interest until after the next business day. Citi bank says state and federal law does not apply to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other fee

Complaint:
Fake fees " XXXX XXXX '' where on bill. I call AmEx XXXX to remove charge. They refused. I canceled credit card and next month that charged me the same kind of fee again even after card was closed.

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 2020-11-11
Company: U.S. BANCORP
State: AZ
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:
I have filed a credit card dispute with US Bank and they refuse to follow the XXXX Chargeback Guidelines in the process of my dispute. Subsequently, I have been denied due process in my claim against an auto repair company who I believe perpetrated an intentional repair upon me. 

My complaint against US Bank Credit Card US Bank has ignored my rights and due process as they relate to the XXXX Chargeback Guide as follows : 1. Closed my credit card dispute with XXXX XXXX XXXX XXXX without good cause, stating I received the services I paid for. In fact I clearly did not receive the services I paid for with the merchant which was stated in 6 pages of supporting documents that I submitted with my complaint to US Bank in accordance with the XXXX Guide Chargeback Guidelines. 

2, US Bank is now requiring me unjustly to submit a third party opinion letter before they reopen my case. According to XXXX chargeback guidelines it is at the cardholders discretion if they choose to submit a third party opinion for a charge back to be submitted. ( See XXXX Document ) US Bank has no right to request such a third party document at this stage of the credit card dispute.

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 2022-09-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Ive found a few inaccuracies in the following accounts and these need to be removed. Please send me a new credit report reflecting the changes. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 30 days, Equifax on time, XXXX 30 days. Also XX/XX/XXXX : XXXX on time, XXXX on time, Equifax 30 days. Last day reported, and last day active is inconsistent on the 3 bureaus. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 60 days, Equifax on time, XXXX 60 days. Also XX/XX/XXXX ; XXXX on time, XXXX on time, Equifax 30 days. 
Date Last Active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I GOT A RECAST AGREEMENT FROM MY LENDER, AND I NOTARIZED AND RETURNED THE CONTRACT AND THUS FAR THE LENDER HAS YET TO ENFORCE THE THE AGREEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinancing with Amerisave Mortgage Corporation XX/XX/XXXX, and was charged a {$500.00} application fee. 

I provided all requested documentation to support the application. 
I was provided with an initial closing disclosure XX/XX/XXXX. 
I made repeated requests to obtain an updated disclosure statement since rates had continued to change during the extended period. While rates had continued declining, the updated disclosure fixed the rate the same while cutting the previous lender credit offered in half. 
On XX/XX/XXXX I emailed my originator requesting updated pricing ( rates/pts ), which I received that day. I then requested updated disclosures with one of the pricing options in the table. 

On XX/XX/XXXX, 80 days after my application, I was emailed a notice from " XXXX '' stating that " we have closed your file for incompleteness or we are unable to approve you for a loan program ''. 

The email also said " Attached is a notice of declination which indicates the reason ( s ) your loan request could not be approved. '' However, there was not an attachment, there was a link to a message that said to log into my Amerisave portal account and click the link again. I followed the instruction and still could not get the explanation document. 

I called my assigned loan processor, who told me that there was an apparent underwriter 's note that indicated the application had been denied due to excessive debt to income ratio of 85.6 %. That is a completely erroneous figure. It is actually 1 - 85.6 %. I requested that a copy of the notice of declination be emailed to me, but they did not have access to the file. 

I called the customer service phone number to complain about this situation, and I was told that the case was being elevated to two supervisors ( the originator 's and processor 's ) and that I would receive a reply within 24 hours. I have not received any reply as of yet, which is beyond the 24 hours now. 

Amerisave charged {$500.00} to APPLY for a mortgage refinancing which the originator said would likely close within 45-60 days of application. After 80 days I received a denial of service without explanation, and have not been able to obtain explanation after reaching out to customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently examined my credit report and I realized that there are some accounts that are reporting on my credit file that are incorrect. These false accounts are not mine and I have no information on these accounts. I have no idea how someone could have access to my credit report and now due to this, I have no opportunity to acquire new credit. Please perform a reinvestigation into this matter and have these derogatory accounts taken off from my credit file

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 2021-11-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX-XXXX****-Balance {$XXXX} XXXX APPLIANCES XXXX {$700.00} XXXX XXXX****-Balance {$XXXX} XXXXXXXX XXXX****-Balance {$XXXX} XXXX XXXXXXXX XXXX****-Balance {$XXXX} XXXXBalance {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I recently bought a car and the dealership was excessively pulling my 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 non-monetary relief
Consumer complaint received 2022-09-17
Company: EQUIFAX, 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:
Tuesday XX/XX/2022, I woke up to an alert from the credit agency a collection account had been put on my report. I notified Equifax, since its only reporting to them, of the account is a fraud account, I disputed the account online and several times on the phone with multiple agents who do not want to be bothered. they clearly see I am a fraud victim. I notified the company that put the collection account as well. I was told by Equifax I had to wait 30 to 45 days to complete. I do not feel this is right reporting inaccurate information on a fraud victim. The fraud department said it would be removed within 24 hours from Tuesday. It has not been removed they give me the run around they throw me around to different departments back and forth. they do not want to be bothered with the fact, yet another fraud account has hit my report. I pay for memberships ; I lock and freeze all agencies so no one can add fraudulent information. Since Tuesday the XXXX I have been spending hours on the phone with Equifax trying to get this resolved. I am asking to remove this collection account, as I already spoke to the collection agency as well advised it was fraud and to remove this account. it is not my account ; Equifax has the documents sent in that this is not my account. Please remove this account from my report as it is not my account and does not belong on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: United Student Aid (USA) Funds
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am age XXXX and have been XXXX since XXXX. My parents plus loan collection ( {$250.00} ) has come out of my Social Security check monthly now for eight years. My doctor provided a letter to Stuient aid in XXXX which still has not been accepted. Please help!

Company response to consumer: Closed
Consumer complaint received 2017-05-20
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:
i have been disputing this entry from   XXXX   XXXX   several times and the 3 bureaus keeping saying that after their investigation they show thin information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I requested a credit line increase on my Sears Mastercard and was declined. The reasons they gave were " unsatisfactory credit and/or derogatory public record references ''. I immediately pulled all XXXX credit bureaus to see what could possibly be reporting negatively. EVERYTHING is reporting paid as agreed or no lates wth the exception of XXXX X 30 days late XX/XX/2012. that was 4 1/2 years ago and should not be a reason to decline credit. There is not any public records at all. I feel they are discriminating against me because I am a single woman in her XXXX 's. If they have a more legitimate reason for declining an increase in my account that i have a perfect rating with them, then they need to let me know. Thank you

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX is reporting a balance on a credit card that was settled and should be reporting a {$0.00} balance and showing settles. I have reached out to them and all credit bureaus and the item continues to be verified which is not true and they are literally breaking the law by not updating this. the Account number is listed as XXXX and it is currently reporting a past due balance of {$1400.00}. So I am also confused how a charge off can report a past due balance also? Especially after this account was settled on a recorded line with XXXX and they took full payment and still have not sent me any correspondence in the mail about this as they promised on the call.

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 2016-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TRANSUNION has failed to include the latest XXXX XXXX XXXX BANK account in my file as well as delete inquiries made by XXXX on XXXX/XXXX/XXXX and XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX as " hard '' inquiries when they were to have been done as " soft '' ones. I did NOT authorize them being done this way and wish them deleted ASAP!

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 2016-08-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Late fee

Complaint:
I have payment due dates for both Citi Cards and XXXX Cards on the XXXX of every month for which I send payment via USPS not less than one week pior to due date. On XXXX XXXX, 2016 I sent payment to Citi and XXXX for full balance due. XXXX Card posted my payment on XXXX XXXX, 2016 with an email acknownledgement. I checked my Citi account for an update for payment to find I had been charged a late fee and interest. I disputed these charges because the USPS has predictively made delivery within ( 3 ) or ( 4 ) days from mailing deposited day. I requested these charges be removed from my 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 2016-02-01
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted my Mortgage Company ( CitiMortgage ) on XXXX/XXXX/XXXX to Refinance my home, as they held my home Mortgage since XXXX, and I needed to start some home improvement. 
Within few minutes I was Pre approved for the amount of {$210000.00}, as the loan process started I complied in full with the documents they required. After my home was appraised for {$410000.00} higher value than what I originally assumed ( Citi chose the appraiser, and I paid Citi for that ) they came back asking for more documents. after weeks of uploading more documents to their web portal, I waited for another week and requested an answer, on XXXX/XXXX/XXXX I received an Email from yet another processor asking to upload more documents. Yet I have no answer of whether the loan will ever get approved.

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 2020-11-11
Company: AFNI INC.
State: MS
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:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

Company response to consumer: Closed with explanation