BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year, my husband and I refinanced our house to a 15 year loan. We had a great experience with our loan officer. Then the company Primeres went through a systems update, and that is where the problems started with the our escrow account. When I received my mortgage interest statement for tax purposes, I realized our property taxes were not paid. The day XXXX received the overdue notice for our property taxes ( XXXX XXXX ), I sent the PDF to the escrow department. I followed the exact instructions that were on the website and the same instructions that were said over and over again while on hold trying to talk with someone in customer service. I thought the issue was resolved. Four weeks after I sent the overdue bill, I realized nothing had been paid. I once again talked with a representative and resent the bill. I was assured that it would be taken care of. On XX/XX/XXXX, I received a notice from my local city that said that the lien process was going to be started on my home because the 2020 tax bill was not paid. After talking with my local tax office ( XXXX. XXXX ), I was advised to pay the tax bill immediately even though ALL the funds were in the escrow account. I tried to once again contact the Primeres Escrow department, but after being on hold I was dropped. At this point, I want to control my own Escrow account. I'm filing a complaint because I was threatened with a lien on my house and a deduction in my credit score for something that I was told was being taken care of multiple times. I feel like others might not realize the company is not paying their property taxes, and they could face unanticipated and undeserving consequences.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: OH
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 XXXX OH,XXXX I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MYNAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OH,XXXX. SS XXXX XXXX. I have already done a dispute and I was told that I was not the one filing the complaint???? 
PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OHXXXX

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 2021-03-12
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
1. I received a letter on XX/XX/XXXX from U.S.Bank dated XX/XX/XXXX, it said they will close my account on XX/XX/XXXX ( see attachment ). On the same day ( XXXX ), I received another letter from XXXX XXXX XXXX ( see attachment ). They said my check ( # XXXX, date XX/XX/XXXX ) was returned on XX/XX/XXXX, return reason is NO ACCOUNT. Court charged me {$35.00} extra for service. In order to prevent further penalty, I drove to court to pay by cash $ XXXX original {$85.00} + {$35.00} returned check service fee. I called U.S.Bank XXXX on XX/XX/XXXX, they said my account was closed on XX/XX/XXXX in their system and do not know why I received a letter stating that closing date XX/XX/XXXX. And they refused to pay the {$35.00}. I went to U.S.Bank branch ( XXXX XXXX XXXX XXXX, XXXX. OHXXXX  ) in the afternoon of XX/XX/XXXX to show both letters to banker and manager. The manager said she does not know what happened and can not help.

2. I still have several thousand dollars in my personal account, but they deleted my checking and savings account information in the online banking ( see attachment ). So I can not use my money to pay my credit card. Is this legal to delete customer 's account information without notice? How am I to pay tax? 
3. This is not the only incident and don't know if they are connected. several days prior we were denied a SECOND PPP loan on the grounds we have no history with this same institution ( first was through same bank ). We have business with this bank going back 10 years. The letter that informed us of this was not on blue and red US Bank letterhead, it was a copy ... very wrong. We would like to find out weather or not someone has done this as part of a " Cancel Culture discrimination against XXXX or XXXX XXXX XXXX or 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 2016-10-11
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BBVA Compass Bank received a substantial deposit from us on XX/XX/2016. As customary, they released a very small amount immediately, then a larger amount 2 days later and the balance ( majority of check ) was to be released XX/XX/2016. The first and second amounts have been allocated to us but now they are not releasing the majority as promised. Mind you, this is not a fraudulent or bogus check. It was from one of the top XXXX companies in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status positive and update the late from reporting on this account. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 applied for a Saks Capitol one employee card on XX/XX/XXXX. I was then emailed about needing more income for the card. I was unaware that i needed higher income than XXXX  to receive a {$100.00} employee card. I decided i no longer needed the card if i could not get it with that income, i assume they wanted to give me a higher limit. I only wanted the card because it is the only way employees receive their discount. I then check my credit report and see that there is another inquiry on XX/XX/XXXX, which i did not authorize. I have left voicemails and sent an email to the company and have received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My private financial information was stolen and used to open a Mortgage loan with CALIBER HOME LOANS, INC. As a result of this identity theft, the fraudulent loan opened with CALIBER HOME LOANS, INC. is in default and now CALIBER HOME LOANS, INC. is conducting a fraudulent foreclosure to try and take my home. I have never applied for a loan with CALIBER HOME LOANS, INC. nor have a received any money from CALIBER HOME LOANS , INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There are two accounts which first of all were closed in 2016 AND ARE NOT MINE AND HAVE HAD DOCUMENTATION TO PROVE SUCH!! Funny thing is, Im trying to buy a house now, and all of a sudden the information has the dates being closed 2 years ago and 2 1/2 years ago respectively! This is XXXX and I will be contacting the ombudsman because first theyre not legitimate charges and secondly who in the XXXX  $ & do yall think tou are???

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 2021-03-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX of 2016 and then again in XX/XX/XXXX 2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.

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 2020-03-22
Company: FACTUAL DATA CORP.
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: Credit inquiries on your report that you don't recognize

Complaint:
A company called factual data ran my credit on XX/XX/2020 without my permission. 
When I called the company they said another company called XXXX XXXX XXXX asked them to When I called them they said they had no record of me at all but its on my credit report with transactions as a mortgage and I'm 120 days late at my current address. My current address is a rental property I dont have a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in dispute request to Transunion XX/XX/2022. I then received a letter dated XXXX XXXX, stating the would not process my dispute because it " didn't appear '' that I sent it in or a properly authorized party sent it. I sent the letter along with my Driver 's License, identifying who I was, in addition to a picture of my actual social number as an added layer of protection. This is definitely a stall tactic and as per the FCRA, Section XXXX ( a ) ( XXXX ), the company has 30 days to investigate. The company has no control over me should I want to hire a credit XXXX to find the blatant fraudulent attempts they are responsible for.

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 2017-03-08
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a checking account with BBVA compass bank One of my credit card ( XXXX ) did a balance transfer of {$3000.00} since XXXX last week and they sent the money to the Bank but the Bank no show my money in the balance I have call them twice but they do n't solve it please help me to find my money Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Four Directions Lending LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Company sent me loan docs to sign. Saying loan was approved. Signed and called them back just to find out the docs they sent me was not legitimate. Apparently they have to wait for approval? Told the guy on the phone that what he did was illegal/fraud, and he needs to cancel everything right now. He proceeded to give an explanation. Scam company. I am changing my bank account information right now. 

I am letting y'all know about this company that is sending false loan docs, lying to people. Westside XXXX needs to close up shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Bank of America has now stolen 2 times from my family in 2 months. We were told that the accounts that we opened would never have any fees for any reason ever, but now I am seeing XXXX withdrawals for {$12.00} each. 

Postdate : XXXX/XXXX/2016 Amount : XXXX Type : Bankcharge Description : MonthlyMaintenanceFee Merchantname : MonthlyMaintenanceFee Transaction category : Finance : ServiceCharges/Fees

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 2021-03-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Was contacted in MidXX/XX/XXXX from the Fair Collections & Outsourcing ( FCO ) of XXXX XXXX regarding a debt owed to the XXXX XXXX XXXX at XXXX in New Jersey for he amount of {$8000.00}. 

I have never been to New Jersey and sent FCO a letter in XX/XX/XXXX that stated this was not my debt and to send me what proof they had. 

They send me an apartment lease not signed by me and a list of late payments not with my name on them. 

FCO then said they wanted all of my personal information to make sure they had the right person. I did not send they my personal information because that is a scam. 

They have since continued to mail me letters stating I own this debt to them. 

On XX/XX/XXXX I received a call from XXXX, a man named XXXX XXXX answered telling I owned him money and to prove it was me. I provided my name, DOB and last 4 of my SSN to him. He then provided no other information other and it was me that he wanted. 

I told him it is not my debt, he told me I needed to file a fraud 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 2015-07-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX sold my mortgage to Carrington Mortgage LLC in XXXX 2015. In XX/XX/XXXX, I paid XXXX {$310.00} to cover an escrow shortage. Carrington 's commumincations advised that I had a {$1600.00} shortfall. When I called to discuss this change, they advised that they are allowed by law to hold a 2 month cushion, which I understand. However, when I did an escrow analysis, I determined that they were overstating the shortfall by over {$500.00} because they were *paying* my homeowners insurance, town and school taxes one month before they are due, resulting in over {$500.00} of the shortage. I called and asked how they could pay the bills before they are even sent out, and they replied that the wanted to " make sure the homeowner was not late with a payment ''. While this sounds wonderful, it allows them to hold {$540.00} of my money in escrow in addition to the {$1100.00} cushion, which is {$540.00} that is not available to earn money for me. For example, my homeowners insurance premium is not due until XX/XX/XXXX, but the escrow statement notes that the payment is sent in XX/XX/XXXX. If Carrington does this for only XXXX mortgages, that 's XXXX XXXX in their bank account instead of the home owner 's account. XXXX recently sold XXXX mortgages to this company. If they hold just {$250.00} from each of those customers, that equates to XXXX in funds that have been collected early, and earning money for Carrington. Understanding that the law allows them to hold a 2 month cushion - {$1100.00} ( in my case ) x XXXX = XXXX in Carrington 's account instead of the home owner 's bank. 
I have owned my home for 16 years and never had any issue with XXXX or XXXX. I am astounded and appalled to know that this company is allowed to practice in a way that causes the consumer to remit funds that are not due for up to 60 days. 
I am in the process of refinancing, but after speaking with Carrington 's customer servcie department, have zero confidence that the funds in my escrow account will be returned to me in a timely manner. Reading the consumer affairs reports about Carrington lowers my confidence level even further. By the time the refinance is complete, Carrington will have over {$2500.00} of my money held hostage in escrow. I would like to know if there are guidelines regarding the process to return money in the event of a refinance, so that I have some ammunition when speaking with the Carrington customer service department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase are unreponsive with my issue in accessing my account. I use XXXX Double autentication and their coinbasee app is the only app which fails recognition while all my other accounts are able to use double authentication. As a result, im not able to transact in my account where i currently have funds. Here 's all the unresolved case #. Coinbase keeps replying with the same canned advice responce which XXXX help or provide solutions : Case # XXXX Case # XXXX Case # XXXX Case # XXXX Case : # XXXX Case : # XXXX Case # XXXX Case # XXXX Case # XXXX Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
Company: REGIONS FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Regions Bank does not report credit information accurately to all credit reporting agengies. Why doesn't Regions have a duty to report TRUTH IN LENDING CREDIT REPORTING? REGIONS FAILS TO REPORT see attatched 1 ) Regions Account ( XXXX ) {$50000.00} PAID AS AGREED XXXX BALANCE CLOSED XX/XX/2013. and 2 ) Account ( XXXX ) Limit {$15.00}, XXXX PAID AS AGREED XXXX BALANCE * NO CLOSING DATE? 
Why???

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 2016-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
USAA was given notice requesting the following : I was represented by counsel ; and All communications regarding this debt were to be directed to my attorney ; and Debt was not to be discharged or sold during verification and settlement process ; and To have a representative, having actual authority to settle, change, amend, etc. this account, call my attorney ; and Send verification of the debt to the address on the account. 

USAA has sold the debt prior to verification, not contacted my attorney, not verified the debt, and had a third party collection company call my husband 's phone looking for me in an attempt to collect this debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation