BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Wrongful foreclosure after a set aside of forclosore, Judgment of satisfaction made {$00.00} dollar amount owed, No loan with either company,, policy would not allow a loan, Company, for closed evicted me out my home and sold property, XXXX but state they had no sale on property, nor show an actual loan I had with company. Collected money but show no actual collection on a loan I established with bank, Person exclaimed to be working for bank as a lawyer was n't. I received my home back through the village jurisdiction because of the ordinance code and General Warranty Deed XXXX/XXXX/XXXX was evicted by another company XXXX/XXXX/XXXX, Case held set aside.

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 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The account was closed but a refund from the escrow account was due. The mortgage borrower has passed away. I am the court appointed administrator. The loan number is XXXX despite repeated calls and letters the bank has refused to issue a refund of the escrow to the estate of the borrower.

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 2022-09-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citi Sears credit card ending XXXX sent me promotions to spend {$1000.00} for XXXX thank-you points plus the base points before the deadline. I did purchasing and met the requirement and saw the reward points in my account. However, when I called to redeem the points, I was told the card was blocked and no redemption was allowed ; they wanted me to wait for a letter to verify my information. That was in XX/XX/XXXX. A week later I called again because I did not receive the letter. They said I needed to wait for a letter. I asked them to combine my reward to another Citi card reward account so that I could redeem my points, they said no. I called them 4-5 times totally. Finally I saw the letter on XX/XX/XXXX in my mail box dated XX/XX/XXXX. I called them for verification. They said a new card would be sent to me with a different card number. Yesterday, I called for my points redemption. I was told the points were not seen and I heard the reward account was not there I wanted to talk to a supervisor but then got disconnected. I called again for two more times. The reward account or the points were not there accordingly. They just said it was because the credit card was replaced. This credit card got replaced months ago. At that time the reward points were there being seen. I am not sure if they did this to me for vengeance taking simply because I complained about Citi earlier. Also they used auto pay to get the XX/XX/XXXX in XX/XX/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 2017-08-25
Company: First Data Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, a representative from First Data, XXXX XXXX identified himself as the XXXX XXXX XXXX XXXX XXXX XXXX. He had looked at my account and said I was being overcharged by XXXX XXXX XXXX. I would be issued {$640.00} for these overcharges that I did not receive. Furthermore I would be changed to First Data, changing the discount from 3.48 % on XXXX XXXX XXXX to .05 % with First Data. When I told him I was on a contract with them XXXX, he said he would take care of any fees and charges associated with breaking my lease. 
After I was changed to First Data, I was debited monthly for {$68.00} from XXXX XXXX ( their lease # XXXX ). from my bank account. I was told by them I could not break the lease and was liable to pay for four more years or buy it out for over two thousand dollars. 
I called First Data to speak with XXXX XXXX and absolutely no one had even heard of this man. I was on the phone over an hour from one extension to another. 
Now I am paying for 2 accounts {$68.00} for XXXX XXXX and {$76.00} for First Data lease # XXXX. 
On XXXX, XXXX XXXX from First Data called and said I needed better equipment to reduce my fees and service discounts, I told him I was already paying for two processors and was only using one and wanted nothing to do with anything from First Data. He said he was sorry this happened but he would send a processor and pin pad programmed and ready to plug in. It would require to write a new lease ( # XXXX ) and replace the old ( # XXXX ) .I would need to increase my lease for 4 more years with a cost of {$93.00} monthly. 
The new XXXX XXXX arrived without a pin pad. and it was the same as the one it was to replace. I called to request the pin pad and XXXX XXXX said it would be here in three days. Well it was n't. 
Now I am paying for three leases a total of {$170.00} to First Data. 
My lease has been four years with XXXX XXXX and should not be billed anymore. I returned their machine. They are calling the store and my home harassing me for payment since I stopped payment on their debit After I have written First Data again, I have received a letter with apologies but he said he could not do anything. That was another part of the company. 
I have five of these letter scanned and attached to this complaint form. 
Will I ever be able to get out of this mess? 
I am a small XXXX XXXX and am suffering from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I made a payment through my Capital One mobile app for {$1300.00}. When slid the bar to make my payment I received a pop up window with a message that said weve encountered a snag. I closed that window and returned to the main window to see if the {$1300.00} was processing or a scheduled payment. At that time it showed no payment scheduled or pending. left the app and then logged back in and still showed no payment scheduled. So I decided to make a {$10.00} payment to see if that payment would show up in the schedule payment window. The {$10.00} did show up in the payment scheduled window on the mobile app. I decided then to go and do another payment for {$1100.00}. That payment also showed up in the scheduled payments. To re-cap A payment of {$10.00} and a payment of {$1100.00} appeared as scheduled payments no payment ever showed in the window yesterday for {$1300.00}. When I logged in today ( XX/XX/XXXX ) it shows me payments processing ... one for {$1300.00} one for {$10.00} and one for {$1100.00}. I called capital one customer service and requested that they stop the {$1300.00} scheduled payment. Two people directly told me that they could not stop the payment as it is processing and unfortunately I may get a NSF charge from my deposit bank, XXXX   XXXX XXXX. My complaint is- at no time was I told that due to their error if I am charged a fee by XXXX  XXXX XXXX to call them back to offset any fees due to their system error. I find this practice a violation of NACHA and Regulation E. I have a screen shot from last evening that showed only two payments were pending, Giving the consumer information that is unfair and deceptive ( UDAAP ). I have called XXXX XXXX XXXX to request an ACH stop payment but there is not a guarantee that the payment will be stopped for {$1300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25
Company: Clarity Services
State: TN
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 multiple unsolicited hard inquiries I want removed from XXXX by a company called Clarity Services Inc. a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. 

Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX and XXXX. 

Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. 

Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2022 I was looking at my credit report and noticed a collections account open on my report from a company called XXXX XXXX XXXX with an amount of {$1300.00}. I have never dealt with or have any knowledge of ever doing business with this company nor has anyone been in contact with me in regards to this collection account. I believe someone has fraudulently taken out credit in my name without my consent. I have called and spoken with a gentleman on XX/XX/XXXX from XXXX XXXX XXXX and he took down my information but, has never reached back out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Transactions in dispute by fraud against my Savings Account Last four digits in XXXX at CHASE. 

{$19000.00} date of fraudulent withdraw XX/XX/2022 {$28000.00} date of fraudulent withdraw XX/XX/2022 I am filing this claim as part of an ongoing issue against my CHASE bank accounts ending in XXXX ( Savings Account ) and XXXX ( Checking Account ) that began on XX/XX/XXXX after receiving correspondence from CHASE allegedly signed by a Telephone Banker named XXXX XXXX, who without proper verification of my identity and in violation of my rights as the owner of my accounts, generated telephone credentials and replaced my debit card in use to a third party, who since that date, has made use of such instruments to fraudulently subtract money from my bank accounts with Chase, as shown by the claims already processed before you under Numbers : XXXX, XXXX and XXXX, respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid the full balance of my Credit Card bill which was XXXX. XXXX. Though i was late with the initial Payment, I paid this in full However, in the proceedings of The process i was asked to present documents of verification in which i did in full compliance. everything they asked for i submitted. But for whatever reason, my account was still restricted I provided the bank statement of my uncles account who paid off the balance and who authorized this transaction. They took the payment and it was posted. I have provided the following documents. After doing everything in full compliance the customer service at capitol one became very unprofessional and duragtory. They took my money and they still had not released my account. these are the documents I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Santander Consumer USA Holdings Inc.
State: TN
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 multiple unsolicited hard inquiries I want removed from XXXX by a company called XXXX XXXX XXXX a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. 

Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX   and XXXX. 

Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. 

Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Longbridge Financial, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began processing my application for a Reverse Mortgage with Longbridge Financial in XX/XX/2021. Because my condo development had not yet gotten the FHA approval, I filled in 5 pages for FHA and in XXXX, their underwriter accepted my home for " single unit FHA approval. '' However, in XXXX, after my loan package was complete, the agent ( XXXX XXXX XXXX ) advised me the underwriter rejected it, saying " FHA/HUD will not finance on a condo if there is any late payment in previous 60 days. '' -- unlike SFRs, for which they make an exception! 
I asked about FHA but the Longbridge underwriter did not talk to them. She just had to reject my loan based on this highly unfair rule. 

1. A reverse mortgage does not require repayment, so why would payment history be important? Why are condo owners any different from SFRs? It's all payments! 
2. Their risk is limited by the loan-to-value ratio anyway. My condo comps at XXXX and I only owe XXXX. 
3. I am single, nearly XXXX and extra income ruined by COVID. I'd never been late before or since the couple months I had trouble paying the total mortgage amount. 
4 It was good I bought the condo, but if I can't do a reverse mortgage, I will be living in serious poverty while sitting on/in over {$130000.00} in equity! How is that possible? 
5. Someone in FHA policy-making/enforcing must have a heart enough to see how terribly unfair their rule is considering what I have said. I need to be an exception ( COVID hardship ) or the rule needs to change -- or both!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN
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:
Back in XX/XX/2018 hired a lawyer ACC was trying to get double pay on a car went to court civil court I won automotive credit corporation is still disputing with the credit reporting agencies That I still owe them over {$7000.00} I dont owe them nothing judge put in a judgment in my favor I won plus lawyer fees and court costs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Per the US Department of Education article published XX/XX/22 lenders are to discharge ( without applying for Borrower to Defense ) all federal student loans borrowed to attend any campus owned or operated by XXXX XXXX XXXX ( Corinthian ). Corinthian also owned and operated XXXX XXXX, XXXX, CA, XXXX that I attended. The article further states that borrowers were to receive notification within the coming weeks and that no further action was needed on the part of the borrower. The loan servicer failed to send out notification to borrowers and/or address the article. It has been three months since the publication of the article by the Department of Education. I called the loan servicer as no notification was received via email, mail, or published on their website. The loan servicer directed me to contact the Borrower to Defense hotline of studentaid.gov. They did not have a response to the publication or policy established. I tried to notify them, but they stated that it needed to come from the Borrower to Defense department. I tried to call back during the week of XX/XX/22 to notify them again. The agency referenced the sweet vs cardona case. I explained that this was different and the publication from XX/XX/22 from the Department of Education. They again directed me to the Borrower to Defense hotline and stated that they could not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Account status incorrect

Complaint:
This account has been paid for and nobody wants to remove it.

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 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, Equifax was breached and about 143 million SSNs were stolen. I believe I am one of them.
I am filing this complaint in the hopes that they will be punished for their extreme lack of security awareness and sheer slothfulness is regards to this situation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Both XXXX XXXX and Bridgecrest Acceptance Corp. have violated me under federal laws though the retail installment contract. I have disputed the debt several time and have not received proper validation from neither company. This complain is to notify both companies THAT THIS ALLEDGE DEBT IS DISPUTED ( please see attached ). This complaint also includes my RIGHT OF RECISSION ( please see attached ) that was never disclosed during the credit transaction. The debt validation MUST come from the accountant of each company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Pressler, Felt & Warshaw levied my bank account without me knowing or giving me an opportunity to pay these funds. I did my research and see that this debt is from 2003 which is past the statute of limitations. Supposedly this debt was being paid already when I worked at XXXX and now all of a sudden they just take my money from my account without any forewarning? How is this fair and even ethical? Docket number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: LA
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 to Equifax several time via phone and mail and have yet to receive a response to have these verified as I requested these inquires. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I DID NOT authorized this inquires : XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX OnlineXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation