BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
fcra law : violations never late fix it or we will get the whole account removed : payment show late never late fcra violatons US BANK XXXX XXXX XXXX XXXX Reported : XX/XX/2021 + {$1100.00} In good standing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Early Warning Services, LLC
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I sent {$500.00} through XXXX from my citizens bank account to my sons XXXX XXXX XXXX  account, the funds left my citizens bank account but were never credited to my sons BOA account. I contacted both banks on a conference call and was advised the payments failed, and would be returned to the citizens bank account within 14 business days. Today is XX/XX/2020 and the funds are still in limbo. I have called the supervisor working on the case for me from citizens bank and he has not gotten back to me In the last two days. I have sent money to my son countless times through XXXX using his phone number before this and since the issue and this has not happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: GULF COAST COLLECTION BUREAU, 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:
Gulf Coast  Collections sent me a collection notice the month I contacted  XXXX   XXXX   XXXX  Hospital,  XXXX   XXXX   XXXX ,  XXXX  Florida to pay my out standing ER visi t copays.     At the same time I purchased my current credit reports from  XXXX , as well as XXXX  and  XXXX . I found that  one  payment eliminating {$75.00} worth of copays had not been reported to the credit reporting companies. A hospital bill for {$960.00} was reported as unpaid while  XXXX   XXXX   XXXX  billing department said it was completely bogus and nothing existed in my account for that amount let alone that a {$960.00} bill was in arrears.  Gulf Coast Colections in sisted It was my bill. Plus they insisted instead of the original  XXXX   ER visit s once unpai d Gulf Coast ad ded  XXXX  more, making a total of  XXXX   ER cop ays unpaid. Originally  XXXX  were unpaid. As mentioned above I had just paid  XXXX . I made a payment of {$100.00} to  Gulf Coast Collections an d told the gentlemen I was going to contact the hospital 's billing department to verify what was truly unpaid. Now my outstanding bill I owe to  XXXX   XXXX   XXXX  should be {$120.00}.     My intent was to infor m Gulf Coast C ollections of the correct amount in arrears and ask them to correct my credit reports with all the Credit Bureaus.     I call ed Gulf Coast Col lections who previously refused to remove any of the erroneous debts. This time they told me  XXXX   XXXX  took their account back fr om Gulf Coast.I I asked Gulf Coast Co llections to remove their records from all  XXXX  credit bureau reports since they are no longer handling them.  Gulf Coast Collections refused to advise the bureaus of the errors. GULF COAST COLLECTIONS   REASON FOR NOT REPORYING HONESTLY : They said I had not paid the ( erroneous ) bills so, they were sorry but they would not remove them. I told them that since they , Gulf Coast Collections,  are no longer responsible for collecting those debts, to take them off my credit reports.They said NO! They refused to even correct the errors which existed prior to their having the account removed from their business.     WE HAVE A BROKEN SYSTEM OR CRIMINALS DESTROYING OTHERS CREDIT STANDING.   WHICH IS IT?   OR IS IT BOTH?     PS. Your form has a software but in it! Social Security field cross not recognize  XXXX  digit  XXXX  if entered correctly. You have to deselect checkbox for providing your double-digit SSN to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I want to know if my husband 's name and my name were being used by Wells Fargo to open phony accounts. We were their customers for auto loan from XXXX XXXX to XXXX XXXX. I found it odd because our Honda CRV 2003 was paid off in 5 years by $ XXXX to compare with Wells Fargo 's Mazda3 XXXX it took us 7 years to pay off $ XXXX Thank you, 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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX  is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, XXXX applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though XXXX is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XXXX, TransUnion and XXXX  kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration.

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 2020-03-04
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a credit card at Best Buy when i was purchasing a computer because it was offered to me for 12 months no interest. I applied and was approved. A couple weeks later it appears on my credit report as a hard inquire and it lowered my score. I called the citi best buy credit card and the person told me they should have told me when i applied it was ahard inquire but they didnt and that they cant remove it. What can i do?

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 2021-08-24
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage act transfer to them, XX/XX/XXXX made a payment. Escrow just changed advise I did not think it was correct because they transferred the XXXX from XXXX. XXXX was not showing. Per Freedom mortgage telephonic instructions it stated pay XXXX or the of minimum XXXX that I paid. Called Freedom XXXX ID # XXXX advise showing on my credit report as a miss payment which is incorrect. The late charged was removed advise they will investigate. Called on XX/XX/XXXX still checking called XX/XX/XXXX spoke to XXXX # XXXX will send in another request. Called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last letter from Freedom Mortgage dated XX/XX/XXXX, stated they are unable to honor my request and miss payment Is accurate. I advise on the last conversation I have a copy of the recording giving me payments options and it was just ignored. I made the minimum payment they required and I should not reported as a miss payment this is affecting 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 explanation
Consumer complaint received 2016-10-24
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called my mortgage company, Freedom Mortgage, to find out what the pay off was on my home because we are selling it and purchasing a new home. They told me that is would cost me {$30.00} and it would be 72 hours before I would receive that information. They stated the fee would be added on to the final balance of the pay off on the loan. I feel that this fee is unacceptable and they are keeping my information hostage for a fee. There is not an early pay off penalty. This is my information and I do not feel they should be able to withhold it for a fee of any kind.

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 2022-10-07
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Franklin Credit Management Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/XXXX, a representative from Franklin Credit came to my house around XXXX. She asked my name and stated that she had a letter for me. I informed her that on the letter my name was spelled incorrectly. She asked for the correct spelling and wrote it on a piece of paper. She stated that the letter was regarding a property that I had defaulted on. I told her that the only property I 've ever owned is the one that I currently reside in. I told her that I did not want to accept the letter since my first name was spelled incorrectly. I told her that I was unaware of the debt because I had been the victim of identity theft years ago. She told me to contact the company to have the matter rectified. 

The letter only contained a note instructing me to call a XXXX number. I called the number repeatedly and it would ring one or two times, then there was an automated prompt, after which the line would disconnect. No one ever answered. A week later I received a certified letter from them detailing the alleged debt I owed from an outstanding promissory note from XX/XX/XXXX. 

I contacted the company and they attempted to try to set me up on a payment plan. I informed them that I was the victim of identity theft and that the IRS and credit bureaus were aware of the fraud. They said they would make note of it on the account. I heard nothing about it for months. 

On XXXX XXXX, a man identifying himself as a sheriff arrived at my house after XXXX. I was served a summons initiated from the company Franklin Credit claimed to be servicing the debt for ( XXXX XXXX XXXX XXXX XXXX ) and give me 20 days to reply with a written response. 

After reviewing the summons and the claims made, there were inconsistencies that I repeatedly pointed out during this process. The incorrect spelling of my first name on the promissory note, in addition to the inconsistencies with my signature are all points that I made in my response. 

At the alleged time of the note, I was a full-time student at a university and also working part-time at that university while living on dorm. I was dependent on my wages and student loans at that time. I informed the representatives that I did n't even qualify for a personal loan at that time, so I know I did n't qualify for a mortgage. 

Unfortunately, my repeated attempts to get the matter rectified has remained unresolved. In fact, the office of the attorney for the plaintiff contacted me to say that they would be proceeding with the lawsuit against me. Despite them requesting my identification, they acknowledged that my first name was spelled incorrectly on all documents, including the notarized promissory note and continued to state that the signature " somewhat '' matched mine. 

I feel as if they are trying to take advantage of me. They are applying many different tactics and trying to force me to pay a debt that is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have multiple 30 year loans on different properties and through different servicers. Over the course of the last several years, they 've all been transferred several times to different servicers. The worst case is when the originator transfers it to a servicer then transfers it back to themselves a few years later ( Freedom Mortgage ). 

In this last case, I had not caught that the address for the servicer changed and the old servicer stopped forwarding my payments. As a result, they returned the payment and I was charged a late fee by freedom mortgage. Had I not caught this in the first month, I would also have a late payment on my credit. 

There is something wrong here. Putting the {$100.00} late fee aside, the damage that can be done to someone 's credit over this passing back and forth of loans can be quite severe. It seems that there should be legislation that protects consumers against this. At the very least, the old servicer should continue to forward payments until they 've gotten a hold of the customer ( using all necessary means - snail mail, phone and email, they had all those on file ). 

I did n't get a single call from either Freedom or the " old '' Freedom ( their past servicer, XXXX ) and just a letter from each. Considering that this action can cause a severe amount of damage to a consumer 's credit, something needs to be done about this. 

When approaching Freedom, they did not offer to remove the late fee which leads me to believe had it been over 30 days, they would not have worked with me to remove the notice from my credit either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 i was emailed a BMO Harris checking account cash coupon for {$200.00} to open a new checking account with promo code XXXX ' and to deposit at least {$100.00}, set up direct deposits of {$300.00} or more within 60 days of opening a checking account and to maintain such direct deposits it would deposit a {$200.00} bonus into my account 120 days after my account became opened. 

On XXXX XXXX, 2015 BMO Harris Bank N.A . approved me and opened a checking account for me where i deposited {$100.00}. On XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, & XXXX XXXX, 2015 I set up direct deposit and had my monthly {$750.00} social security income deposited on each of these months. On or about XXXX XXXX, 2015 i contacted BMO Harris Bank N.A . at its customer complaint resolution at telephone number, XXXX, concerning my {$200.00} bonus and was told by a female BMO Harris representative i needed to wait until my XXXX XXXX, 2015 direct deposit came before this representative could place a request that I be able to receive my {$200.00} bonus. On XXXX XXXX, 2015 this representative put a request in which BMO Harris told me takes 3-5 business days to process and stated that if my {$200.00} bonus was not deposited after XXXX XXXX, 2015 it could expedite my deposit immediately. However, on XXXX XXXX, 2015 when i contacted BMO Harris concerning my {$200.00} deposit another female representative, XXXX stated that she spoke with another department in BMO Harris who informed her that I would have to wait until XXXX XXXX, 2015 to get my bonus. 

Per BMO Harris Bank N.A . terms in its checking account cash coupon for {$200.00} it clearly stated that after 120 days of my account opening i would receive my {$200.00} bonus. Again, this account was opened on XXXX XXXX, 2015 and 120 days from that date, was XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, Chase denied a purchase with my Freedom account ending in XXXX. I have been a customer of Chase for over 20 years, and have never had a purchase declined. I was given different reasons why the purchase was declined. One excuse put forth was the transaction was out of state. Because of this poor service, I cancelled my account with Chase Freedom ending in XXXX. Chase went so far as to email some of my financial information to a third party. They do not have my email account because I do n't have email. A complaint was filed with the XXXX, XXXX in New York state. Please contact me if you need additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a Southwest Airlines Rapid Rewards Credit Card a few months ago. I was approved and granted a {$4000.00} credit limit. There was a yearly fee attached to this card. Supposedly the fee was due on XXXX of 2015 but I kept getting an email saying the fee was due XXXX XXXX, 2015 of which I was going to pay. However, customer service is implying that I knew my yearly fee was due before XXXX XXXX, 2015. I kept getting an email saying XXXX XXXX, 2015 so I dont know what the problem is but I do n't appreciate being treated that way as if I am so type of liar and on top of that they Closed my credit card account for not paying the yearly fee. I think that is unfair and I was n't even given an opportunity to pay when I called in on XXXX XXXX or XXXX XXXX. But when I called in to make a payment I was told my account was closed the same day. I tried to make payment online but I could n't log in. I believe someone other than myself have created an account with my card information. My information was involved in a breach recently too so i do n't what the problem is. I just want to be heard, treated fairly, and have my card re-opened and of course pay the fee. I was not heard and I was mistreated by customer service. I feel like I was mistreated based off my nationality. Its not right and I pray to XXXX that I get a fair fight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/XXXX Chase Banks XXXX working at the fraud detection unit unlawfully locked me out of my own account when I tried to inquire about a transaction. They issued a security freeze in my account so I could not access my account online and had to go to branch and show ID to unlock it and I was not given any logical explanation. They had no basis to lock my account I answered all security questions accurately and answered all questions regarding my name and address so they acted in bad faith in denying me access to my account. This may be how Banks in XXXX XXXX work but not the us. Harassment of law abiding customers is what Chase Bank engages in. I do n't recommend chase bank. They are corrupt and disregarded my consumer rights and for no reason locked me out of my account. I recommend a class action lawsuit by consumers who have been harassed and denied access by the XXXX working in the supposed fraud detection unit because probably in many cases as mine the fraud detection unit accuses innocent customers of being the identity thief and real identity theives are not detected just innocent customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Security Credit Services, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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 placed an order for a XXXX Lift Trunk Small Coffee Table and the Parquet : Coffee table on XX/XX/XXXX and requested a cancellation of the order on XX/XX/XXXX. Commenity Bank was very slow and unhelpful in moving forward with a refund. XXXX XXXX finally successfully processed the refund, but Commenity Bank has been unnecessarily difficult in getting a refund check and it has been a month since my last conversation with them.

Company response to consumer: Closed with non-monetary relief