BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I yave constantly been this item lvnv funding llc/Resurgent XXXX XXXX XXXX I requested that Equifax provide me with information on how they dod their investigation on this account # XXXX. They have continued to allow this company to report this negative and damaging information on my credit report. As well as random updates. I would like to see the original signed documents with my signature as well as the purchase agreement. As well as all other documents that shows my commitment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent dispute letters to Equifax to show me proof that I owe this debt and havea legal contract with this company. At first it was showing as a collection now it shows as a closed account that regularly updates and Equifax allows this. Also Equifax allows this company to report a false original credit limit that has a uneven number. And definitely a incorrect high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I had an over due electric bill of {$430.00}. I was incarcerated until XXXX. The billed was turned over to a collection agency. I was paroled XXXX/XXXX/XXXX. I went to have my electric turned back on and was informed I owed them {$430.00} for the past due bill. I paid the {$430.00} directly to the electric company so they would turn my electric back on. I checked my credit report in XXXX and found that the collection for the past due bill was on my credit report from a collection agency. I submitted a dispute via XXXX with experian. I got a letter from the collection agency about my dispute, they said it was a valid debt that I had to pay. What do I do now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
In XX/XX/2022, I sent two checks from two separate XXXXXXXX XXXX accounts by mail to a family member. These checks were stolen somewhere in the transit process, and were deposited into the same bank account at Bank of America in late XX/XX/2022. The checks were not endorsed, and were deposited into an account with a completely different name than on the check. Bank of America proceeded to accept these checks under gross negligence. The checks were for {$2300.00} and {$1700.00}. I've attached copies of both from my bank. 

I contacted my bank, XXXX, and filed a dispute in late XX/XX/2022. Bank of America has not responded to my follow ups or my bank 's follow ups. It's been over 60 days now, which is the point that banks are required to respond and refund these stolen checks. It's now been 120 days since these checks were stolen from me and Bank of America has refused to respond and/or help. This is a significant amount of money for me that has been stolen, and Bank of America is refusing to correct their gross negligence act within the time period required by consumer protection laws.

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 2016-10-03
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
USBank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On a recorded line, XXXX with USBank has violated CA State and also required us to hide money from XXXX by saying the homeowner needed to bring in funds to close the short sale. USBank had previously approved this short sale at $ XXXX. Now they want {$11000.00}. I told XXXX and her XXXX XXXX, that what they are asking us to commit XXXX ILLEGAL ACTS 1 ) Violate State Law by asking a homeowner to bring in funds in a short sale, and 2 ) Violate Federal Law by giving a XXXX TD more money than is allowed by XXXX. 

With all the stuff in the media with XXXX XXXX being fined by the CFPB for this exact same loan fraud, it amazes me that USBank is now so blatant as to ask us to commit federal loan fraud by providing funds outside of escrow - essentially asking us to HIDE MONEY FROM THE FEDERAL GOVERNMENT.

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 2017-03-09
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Firstly I had an account with US Bank for 2 yrs during my college. When I went out of the country there were a couple of overdrafts which were paid off as soon as I came back and my account was fine for a year. After 2yrs, when I reached out to a nearby bank to deposit money I was told my account was closed and I would receive a cashier cheque through the mail which was told to me when I went to the bank a week ago. It 's been more than a month and I have n't received any mail from the bank and when I try to call the people at the bank they try to avoid me by not picking my calls and I persistently keep calling them and put voicemails which never get answered. If this is the kind of business US Bank wants to do I really want to complain about this. 
Information : Debit Card Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I WAS EVICTED FROM MY APARTMENT IN THE LAST MONTH OF MY LEASE AFTER I ALREADY PAID RENT AND ONLY HAD MAYBE A WEEK LEFT IN MY APARTMENT. WE WENT TO COURT FOR EVICTION PROCEEDING AND THE JUDGEMENT SAYS I ONLY WAS TO GIVE POSESSION OF THE APARTMENT OVER AND I DO NOT OWE ANY COURT COST, FEES FROM THE LEASE OR BACK RENT. THE APARTMENT COMPLEX IS REPORTING ON MY CREDIT THAT I OWE THEM {$1200.00} FOR RELETTING FEE AND EARLY TERMINATION FEE DUE TO NOT TURNING IN MY 60 DAY NOTICE BUT THIS WAS PROVIDED TO THE APARTMENT MANAGEMENT WHEN IT WAS TIME FOR ME TO TURN IN MY 60 DAY NOTICE. NOW THE DEBT COLLECTOR IS STATING THAT I NEED TO PROVE TO THEM THAT I TURNED IN MY 60 DAY NOTICE BUT THE JUDGEMENT CLEARLY STATES I OWE NOTHING!!! IVE TALKED TO THE APARTMENT MANAGMENT OFFICE AND ALSO THE DEBT COLLECTOR WITH NO LUCK. I HAVE DISOUTED THIS SEVERAL TIMES ON MY CREDIT REPORT AND NOTHING SEEMS TO HAPPEN.

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 2016-06-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to pay off my mortgage since XXXX/XXXX/15. I first attempted to have my bank make a payment only to be told by XXXX/XXXX/15 that my mortgage company, LoanCare did not receive the payment and that my bank had sent it to the wrong address. I later learned that this was incorrect information and that in fact the address was correct. I then stopped payment on the check since no one at LoanCare could tell me if they had received the check and the customer service rep had advised me the payment in the amount of {$90000.00} was mailed to the wrong address. LoanCare cashed the check the next day ( XXXX/XXXX/15 ) and charged me a {$30.00} NSF fee. 
I then spoke to a supervisor who told me that it would be best to wire the funds -- I did this on XXXX/XXXX/15. My bank confirmed the funds ( {$91000.00} ) were wired on XXXX/XXXX/15, and I called LoanCare almost every day following only to have the customer service reps tell me that they still had not received the funds. Of course, there was no one they could transfer me to to let me know if they had received the funds. I called back again today XXXX/XXXX/15 only to be told that they had received the funds XXXX/XXXX/15 but had sent back the funds today because it was {$490.00} short to pay off the loan. According to their own payoff wiring instructions attached " payoff funds must be sufficient to cover all escrow advances, interest, prepayment penalties, principal, and changes. Payoffs that do not meet these requirements will be retired if additional funds are not received within two business days after payoff department has made contact. '' No one from the payoff department or my mortgage company has ever bothered to contact me regarding the extra {$490.00} needed to pay off my mortgage. I still do not have my {$91000.00} that they kept from XX/XX/XXXX to XXXX/XXXX/15 only their word that it was " returned. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Tried to contact " customer service '' with a problem They make it impossible to talk to anyone - it 's not even a choice on their automated system. I would never do business with these people ; my loan was sold to them. I need to talk to someone to resolve my problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent proof to XXXX that accounts : XXXX XXXX # XXXX is reporting inaccurately. REMOVE! 

XXXX XXXX XXXX : # XXXX is reporting inaccurately. REMOVE! 

According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have filed complaints with the Consumer Federal Protection Bureau multiple times with evidence of INACCURATE INFORMATION. XXXX is not removing the inaccurate information and violating my rights. 
All complaints and evidence of inaccurate information is listed below. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: NCC Business Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have disputed multiple times a collection account listed on my credit report that was XXXX in a bankruptcy. The collection agency NCC Business Services is still reporting that I owe a balance on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After a separation of 2 years, without being on my mortgaged property, it was ordered in a divorce that my ex-spouse had 2 years to obtain credit and take over the mortgage for the property that I had financed. It was also ordered that if at any point, she was more than 60 days past due, I would retain ownership and responsibility for the property. After multiple court proceedings for her contempt, the property was finally awarded back to me on XX/XX/2016. The mortgage was originally with XXXX, during the court proceedings the mortgage was sold to Seterus, a collection firm. On XX/XX/2016, I paid {$4200.00} to Seterus to make the mortgage account payments current and up to date and made every payment on time from that point until the house was purchased in XXXX. The house was sold on a VA loan. I contacted Seterus in XXXX and informed them of the sale. Seterus assured me that although the closing was set for XX/XX/XXXX, I did not have to make any further payment on the loan. I was concerned that this would negatively affect my credit score. The Seterus representative assured me that I had a certain amount of days before that would happen. I was under that amount of days. On XX/XX/2016 I made a final payment of {$190.00} to Seterus, the payoff difference. On XX/XX/2016, I received a check from Seterus for {$310.00} for over payment. In XX/XX/2016 I received a letter from Seterus, it stated that I was past due on the loan. I called Seterus once again to dispute. Their representitive confirmed that the house was sold and their were no late payments. After explaining I was trying to repair my credit. I requested to have their auditors update their report to the credit agencies. It is now XXXX it shows paid, but now showing I have late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I refinanced with XXXX after being with loancare for a year. Loancare was supposed to send me a refund escrow check on XX/XX/2015 I received a breakdown letter postmarked on XX/XX/XXXX but no check for XXXX XX/XX/XXXX I receive a letter of payoff but still no check I call and I was told by a customer relations rep that because I am not a customer he does not have to deal with me. This company has the worst service I've ever seen. All complaints about this company are valid. They don't keep track of there checks because it's sent through regular mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello. This is about Chime. The support department is refusing to honor a referral bonus request made after several of their employees promised me that myself and the person i referred would receive that bonus in return for our patience due to a mistake on their part. 

they are now constantly trying to convince me that they did not say this when the line was recorded and three different people already promised that the bonus would be applied to the accounts in question. this is not about the bonus anymore this is about rectifying the fact that we were lied to and honoring a promise made. they have been rude, belligerent and quite unhelpful. despite the fact that we would have never made the account with them had we known how willing they are to lie to their customers. do not make a account with chime. it is the height of false advertising ... and their customer service lies to you to get you to agree with them making false claims and false representations about their accounts and services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-27
Company: U.S. BANCORP
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We are currently 24 days past the due date of XXXX/XXXX/2016 on our auto loan. In the life of the loan, we have been late but have never been more than 30 days late. This morning I have received phone calls at XXXX XXXX., XXXX XXXX. and XXXX XXXX - all of which have been while I 'm at work. This does n't include any calls that were possibly made to my husband 's phone as well. When I mentioned on the third call the amount of calls and this being harassment, I was informed they could call up to 5 times a day between XXXX XXXX. and XXXX XXXX We understand we are late on the payment and are incurring late fees, but we take full responsibility for that and will get it paid before it hits 30 days past the due date. We just want the amount of calls to be lessened.

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 2016-12-11
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, 2016 California Consumer Protection Agency Dear Manager, I spent {$100.00} to buy a {$100.00} gift card in XXXX XXXX market on XXXX/XXXX/16. But the card never work. Following their instruction, I faxed over the gift card receipt. And they gave me a pin number for activation. But there is no money on the card and I could not used it. It just a barely scam to steal my money. 
I am a senior citizen and my income far below the income level. Your prompt attention to have my money back would be appreciated. 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 2016-05-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
100 % this debt was satisfied with a hardship program offered by the medical institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: SUNTRUST BANKS, INC.
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
SunTrust after being a customer for 20 years, with sole income for my XXXX direct deposited every month with no problems, suddenly had a fraudulent overdraft fee. I went to the local branch and they agreed to remove the fee, but 6 days later got an extended overdraft fee. Now I have XXXX more overdraft fees which would not have occurred if they followed through on their agreement. I live check to check and have alsways been careful in balancing my ledger and had sufficient funds from the very first overdraft fee. No one will abide by agreement and keep taking my money. I will not be able to pay XX/XX/XXXX bills thanks to them. I have learned that they have a patern targeting low-income individuals, particularly the elderly/disabled reordering and misrepresentation of account balances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Recently I received my homeowners policy bill for XX/XX/XXXX. I noticed that my policy amount had increased over 10 %. I made inquiry regarding the increase, and was told that it was because of my credit score/ and credit comments. My credit score ranged from XXXX - XXXX, XX/XX/XXXX. I have excellent credit scores. I was told that because inquires were made on my account, this was the reason why, my insurance policy rate was increased. I asked the person I was talking to this question! Each time companies checks my credit score or history, my credit score, is negatively being impacted. The person 's response was, " Yes ''. Why would a person 's credit be negatively impacted, simply because they are trying to find better rates of insurance on their homes, and/or autos? This does not make any sense. I could understand if a person, received credit, or incurred some type of increased debt, their score would be negatively impacted. However, simply inquiring or seeking to get better insurance rates, on their homes, vehicles, or seeking credit, should not negatively impacted, their credit scores. The system is indeed rigged. A person 's credit is dinged each time an inquiry is made, and they are dinged again, if they obtain credit, or increased debt. " What is wrong with this situation? '' Please can someone tell me why this is the case? Impacting a person 's credit, after they get the credit might be appropriate, but doing it simply for making an inquiry, is double jeopardy. I am requesting that the Consumer Financial Protection Bureau, investigate this matter. American Citizens, are having to pay higher rates for credit, insurance, and other financial transactions or instrumentalities, simply because inquiries are made into their credit history. Credit Card companies, and other institutions are receiving XXXX dollars, because of this practice. It should be illegal, for these institutions to decrease a person 's credit scores, solely because inquiries are made into their credit history. If a person 's credit scores must be adjusted or negatively impacted, it should be done, if and only if, credit is issued ... XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... Email : XXXXXXXXXXXX Tele : XXXX ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief