BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We 've made multiple attempts to cancel and obtain a clear reconciliation of our escrow account since 2014. We 've contacted CMS by phone and letters ( via fax per their instruction ) to no avail. In many cases, we received no response. The responses that we have received have been conflicting. Our monthly payments have continued to rise since opening an escrow account with CMS, although we 'd been told that they would decrease after we 'd paid the escrow balance off, which we 've done. 
Also CMS recently informed us by phone, that their records indicate that our mortgage loan is set up on a term that is incorrect. They claim that we have an ARM although we have documentation from CMS as late as XXXX 2014 stating that we have a 30 year Fixed Rate Mortgage. We have not completed any refinancing or modifications since that time. We 've spoken with countless reps, supervisors and departments over this period, and have not been able to receive any clear answers or resolution. Although we document the names of reps that we speak with, and they advise that they are documenting the system and/or requesting escrow account audits, we call back to only find that neither have been done and we have to start from square one with each CMS representative that we speak with. We have exhausted all resources with CMS to try to and resolve these matters with no success so engaging CFPB to assist us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: U.S. BANCORP
State: KY
Product: Credit card
Issue: Late fee

Complaint:
I sent my online payment from my bank XXXX/XXXX/2016 to my USBank Business Credit Card. The payment was due on XXXX/XXXX/2016 - a Sunday. USBank says they received the payment on XXXX/XXXX/2016. They card is continuously paid off each month so there should be no interest. They charged me {$39.00} late payment fee and $ XXXX interest. The payment should not have taken two weeks to get there. This is the second time they have said it was late when it was mailed in at least two weeks prior, just a couple of days after the bill is received.

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 2022-03-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently reached out to the TN Dept of Human Services regarding inaccurate information that they have supplied to the credit reporting agencies.

They are in clear violation of 15 US Code Sec. 1681s-2 : Responsibility of furnishers of information to consumer reporting agencies, because they do furnish information and they have a duty to provide accurate information - THEY HAVE FAILED TO DO SO.

I have asked that they validate the debt - pursuant to 15 US Code Sec. 1692 g validation of debts, I have a right to request all information pertaining to said debt, as this company continues to garnish my wages and I KNOW THAT THIS HAS BEEN PAID OFF, therefore, show me the amount that I owe. 

This erroneous information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. 

I am including my check stub, the letter received from the furnished, and the inaccurate information that they continue to furnish. 

Your assistance in this matter is crucial THIS FURNISHER IS IN COMPLETE VIOLATION AND THEY ARE IN WILLFUL NON COMPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called and wrote multiple letters XXXX to dispute some the inquiries on my credit report that were not made by me however I have not heard back from them. I need CFBP to help me resolve these matter.

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 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was incarcerated from XX/XX/XXXX-XX/XX/XXXX, ten ( 10 ) yrs. While incarcerated, my identity was compromised. I found this out upon release through credit reports from XXXX, XXXX  and XXXX. After due diligence on my part, multiple accounts were deleted from my report from several different merchants. Three ( 3 ) accounts were with Capitol One in XXXX, XXXX  and XX/XX/XXXX, a account for each month. After speaking with the fraud department and complying with requested information to prove my I.d . and innocence, two of the three accounts were declared fraud. One was not and several factors contributed to the inaccurate " validation '.

One being that the monthly payment from Capitol one was paid by a bank in Kansas. I asked which bank and was denied the name multiple times until someone disclosed this to me. I called that banks HQ and was provided a statement PROVING I had never had any interactions with them in any capacity and Capitol One refused to accept this stating its a civil matter now and that I've exhausted my investigations with them. Stated that I, m stuck with a {$1200.00} debt. 

Two was that a cell-phone number and address was linked to the account. I provided proof of my incarceration by a signed letter from a credible employee of the State of Indiana stating I was where I was during the fraudulent activities. My address in at the correctional facility does not come close to comparing with any address they had on their file. Starting with just the state and zip code. It is well known that prisoners are not permitted to possess cell-phones so i have no clue how that made ANY sense. 

Every " link '' Capitol One had was disputed with irrefutable-tangible proof and still they found no signs of fraud. Three accounts created back to back, two fraud, one is not. This wreaks fraud! I emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve this simple issue, all to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told by a XXXX agent that I do n't ow them anything and the next months I received a bill I told them that it was not possible since I was already told not to pay. Then I started receiving calls from ERC and I did tell them about the issue I thought they were going to talk to XXXX and next thing I know they place it on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
TransUnion is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to TransUnion my XXXX XX/XX/XXXXstatement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XXXXXX/XX/XXXXChecking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XXXX XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 TransUnion refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX USA XXXX XXXX, XXXX XXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XX/XX/XXXX, a process server dumped a summons that had my name on it to my wife while I was not on premise. Regarding a credit card I held once with a banking association called FIRST NATIONAL BANK OF OMAHA. I do remember I did have a conversation with that institution once, informing them of my unemployment status, but not aware of the balance nor did I have any information in the form of statements to what that balance was. That particular credit card was destroyed, by myself, two years ago in XX/XX/XXXX. 
Now I am being sued, by a law firm called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Tel : ( XXXX ) XXXX. I have never heard of this firm, this the first time I 'm seeing anything related to a credit card account that is in arrears, and given 30 days to respond in the Superior Court of California, XXXX XXXX County, where the financial institution, First National Bank of Ohama, has never sent me any email, phone call or mail that to let me know of an outstanding debt. I have not even been given an opportunity to verify whether the debt is mine or not ( my identity was comprosed three years ago when my XXXX credit card was stolen and used- which is why I destroyed the credit cards and issued a statement, in writing, to all of the credit card companies that someone had my account information ). This law firm, XXXX, as far as I can determine, was required to at least send me a letter letting me know they had been retained to settle a debt on behalf of the finanical institution. If they had, I would have worked with them. 
Instead, I 'm getting hit with a lawsuit, without any warning, or being informed prior, that there is a debt out there with my name on it. And with any credit card, according to the Fair Debt Collection Protections Act of XX/XX/XXXX FDCPA, I was supposed to be informed and given ( x ) amount of time to contact to find out if the debt in question is mine. 
I was not given this. Instead, no communication from the financial institution, no communication from the " debt collection '' law firm it apparently was handed to. 
What I know is I have a right to review the debt, with all relevant information pertaining to it, PRIOR to having a lawsuit filed. This financial institution and this debt collection law firm violated my rights to review the debt to determine whether it was mine and respond in a timely manner. Instead, my wife gets hit with a summons of a debt that is addressed to me, and me solely, when I was not there, without any form of prior attempts of communication by the firm or the financial company. 
Which is a violation of the FDCPA and my rights as a consumer, over a debt I do n't even know if it 's mine. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) - Permissible purposes of consumer reports ( XXXX ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly applied for a loan modification from the servicing company.In XXXX of 2021, I was informed that I had been been approved for a modification, but that the appraisal company was unable to contact me to conduct a valuation of the property, so my file was " cancelled ''. I have applied and re-applied since then without success or assistance. I am XXXX  and I feel that the servicer has consistently given me the run-around due to my poor English skills. 
I am submitting this complaint and am will be retaining an attorney as well.

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 2017-04-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Hello, I am wishing to submit a complaint against XXXX. I did not authorize a hard inquiry on my credit report and an inquiry showed up for XX/XX/XXXX. I investigated what XXXX is and it is XXXX. I have an existing credit card with them but have not used since last year, XX/XX/XXXX. What prompted me to look deeper into my credit inquiries was a significant decrease of XXXX in my credit score, which I think is attributed to this hard inquiry. Is it possible to help get this removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy is showing on my Equifax credit report that doesnt belong to me. Im currently in the process of trying to get approved for a home and this is preventing me from doing so. I contacted Equifax directly and they were supposed to be removing this public record as it is a result of a mixed file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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:
On XX/XX/2018, I redeemed XXXX points to receive a {$26.00} cash back credit to my account. The credit was never applied to my account. I do not intend to use this credit card after this billing cycle. I called customer service and spoke with two people, neither of whom was able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
on XX/XX/23 I had made a instant transfer {$50.00} from my Venmo account ( XXXX ) to my XXXX  account ( XXXX ). 
Transfer never made it. Spoke with XXXX at Venmo ( see attached docs ) he said the transfer made it to XXXX. I spoke with XXXXXXXX XXXX XXXX XXXX  at call center, he said {$50.00} never made it and theres nothing he can do. Told me to have Venmo pull it back and credit my account. Venmo won't do it. see attached docs. 
Someone or a company has my {$50.00}. I want my {$50.00}!. I will escalate to XX/XX/XXXXor Atttorney General if needed.!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent certified letters to Experian regarding the inaccurate and unverifiable items on my credit report. To this day, over 45 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 45 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX data breach and someone may have gotten my information.

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 2015-11-04
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I had a credit card payment due on Sunday. The following Monday was a Federal Holiday and the Branch where I make my payments was closed. I made the payment on Tuesday. I was charged a late payment charge and interest on my next statement. I called the Bank 's Credit Card Processing Services and they said they would credit the late payment charge as a courtesy but would not credit the interest charge. The supervisor told me I should have made the payment on the Saturday prior to the due date. Are the late charges and interest proper on the banks behalf?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I request written proof that XXXX XXXX XXXX XXXX had permissible permission to access my credit report in XX/XX/2017 for auto loan # XXXX per the FCRA. If XXXX XXXX XXXX XXXX claims this is a duplicate complaint, then I request they resend the copy. I expect XXXX  and Transunion to send me a copy of the permissible purpose when they receive from XXXX XXXX XXXX XXXX 's investigation. Please do not say you have investigated this several times and need additional proof. Just send copy of the permissible purpose. I am tired of reading form letters and rhetoric. Again it is very simple, XXXX XXXX XXXX XXXX, XXXX, or Transunion need to send me copy of the permissible purpose to access my credit in XX/XX/2017 for XXXX XXXX XXXX XXXX 's loan # XXXX. XXXX, Transunion, or XXXX XXXX XXXX XXXX do not need 30 days more, or 45 days more, or 60 days more because you have had years to investigate a simple matter, written proof of permissible purpose. Enough is enough!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I went to experian.com to recieve my credit report. It showed that I would be charged {$1.00} to receive my credit report I was not told that I would be signed up as a paid experian member and would be billed monthly for services I did not know about or intend to use. I called experian to find out about these charges to my debit card and they told me that I should have read the fine print of the terms and service agreement. This is a scam. Experian does not notify you when your free trial is going to expire and you will be billed. They will not refund my money. Advertising that a credit report is {$1.00} and then signing people to be billed {$21.00} dollars every month without telling them is predatory and just plain wrong.

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 2015-04-21
Company: FIRST NATIONAL BANK OF OMAHA
State: OK
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
A cashier 's check was issued directly to First National Bank XXXX XXXX. XXXX XXXX, XXXX, NE XXXX on XXXX. On the check in the memo field was my name as well as an account number ; the account number was incorrect with XXXX numbers wrong. The check was drawn / cashed on XXXX. I called on XXXX and verified payment was received and that there was a XXXX balance on the credit card account with customer service rep ; I then closed the account on the telephone call after confirming a XXXX balance. 

Payment was originally due on or about XXXX. On XXXX I received a robocall telling me that payment was over due. I immediately contacted customer service and to my surprise it had not been applied to my account. I contacted my credit union to look into what had happened. They informed me that payment had been drawn / cashed on XXXX. I, as well as the credit union loan officer XXXX called separately to find out what had happened. We called together on XXXX and advised FNB XXXX that the account number was wrong on the check, but my name was correct as well as provided Check number over the phone and we were advised that information was not good enough. My loan officer at XXXX XXXX XXXX XXXX faxed over front and back of the Cashier 's check that they had drawn / cashed to their accounting group on XXXX as instructed. The loan officer attempted to speak with them again and received no new information XXXX. I also called today on XXXX and have no new news about my payment that was drawn / cashed on XXXX. My account is now very past due and should have been paid in full and closed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief