BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: CONTOUR MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX I received a call from the sales manager / loan originator named XXXX XXXX XXXX NMLS ID # XXXX ) from Contour Mortgage. I have never spoke to him before and this was the first time this person reached out to me. He started YELLING at me on the phone and bullying me saying that I'm " already getting an unheard of rates '' and that " I don't want to deal with your files anymore, they have been on my desk for over a month '' - all because I said that I don't want to pay for a lock extension that was due to the lender lagging on their end. He then told me that I can walk away and not close my loan ( I already spent money ( {$1700.00} ) on three appraisals for three concurrent transactions ). Very rude and unprofessional individual that should never be put in a position of power and speak this way to any client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$51000.00} Status Voluntarily surrendered. {$4700.00} past due as of XX/XX/XXXX. 
Original Lease amount {$36000.00} The account was closed and was removed in XX/XX/XXXX, and reappeared in XX/XX/XXXX with inaccurate amounts owed. 

Company is in violation of in violation of the following codes ; US Code Title 15, 15 USC 1681a ( k ) ( 1 ), U.S. Code Title 15, Chapter 41, Subchapter III, U.S. Code 1692d - Harassment or abuse, U.S. Code Title 15, Chapter 41, Subchapter III. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting and 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ).

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 2023-04-20
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/ TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF XXXX BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED XXXX TO DO SO. 

XXXX XXXX .account XXXXXXXX XXXX XXXX .account XXXX XXXX XXXX.account XXXX XXXXXXXX XXXXaccount XXXXXXXX XXXX XXXX.account no. XXXX XXXX XXXX no. XXXX XXXX XXXX XXXX.account XXXX & account XXXXXXXX XXXX XXXX  .account no. XXXX XXXX XXXXaccount XXXX & account no. XXXX XXXX XXXX XXXX XXXX WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD. 


EXPERIAN WAS GIVEN AN OFFICIAL UNSWORN DECLARATION NOTICE ON XX/XX/2023 TO REMOVE ACCOUNTS FROM HIS CREDIT REPORT BY INTEREST OF EXPERIAN BEING A " FINANCIAL INSTITUTION '' AND DID NOT RECIEVE AUTHORIZATION FROM THE CONSUMER TO DISCLOSE THE ACCOUNTS HEREIN AND FAILED TO PRODUCE ANY WRITTEN OR ELECTRONICALLY FILED DOCUMENTS FROM WHICH THE CONSUMER AUTHORIZED EXPERIAN TO DO SO. 


XXXX XXXXaccount XXXX XXXX XXXX XXXX XXXX XXXXaccount XXXX XXXX XXXXaccount no. XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX no. XXXX XXXX XXXX XXXX XXXX XXXX no. XXXX & account no. XXXX XXXX XXXX XXXX no. XXXX EXPERIAN WAS GIVEN 7-10 BUSINESS DAYS TO REMOVE SUCH UNAUTHORIZED REPORTS AND DID NOT DO SUCH WITHIN THE 30 DAY EXHAUSTMENT PERIOD.

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 2023-08-02
Company: BMW Financial Services NA, LLC
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under 15 U.S. Code 1681s-602 states " I have a right to privacy. '' 15 U.S. Code 1681as2 " It also states the consumer reporting agency can't furnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: GA
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 XXXX  account ( XXXX ) is reporting an account as open. I have called XXXX XXXX XXXX  and the representative says they have no record of this account under my social security number. 

They ask for an account number, which I do not have because the account does not exist. The credit reporting agencies only show a partial account number. Although the account is reporting a positive history, the account is being counted against my available credit and thus, debt to income. 

I have filed an identity theft report as I have been a victim of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Park Hill Holdings
State: GA
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:
I have been denied a place to live for over a year due to inaccurate information being reported on my credit report by XXXX, XXXX XXXX, XXXX, XXXX XXXX and others. I have contacted these companies as well as received information from the court that stated they did not report this information that these companies took it upon themselves to report this information that has caused me to have issues with finding a stable place to live. This situation has caused a great deal of dramatic damage mentally and physically. This has tarnished my reputation as a consumer and put me in a bad postion.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I noticed unauthorized inquiries on my report and/or I noticed someone applied for something in my name which are : XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX  Bank Credit XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ) XXXX TYPE Credit Cards Issued by Finance Companies XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX XXXX XXXX TYPE Credit Cards Issued by Finance XXXX XX/XX/2022 XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX TYPE Bank Credit Cards Have contacted the creditors

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 2023-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To whom it may concern, I'd like to make a complaint against Fifth Third Bank. Specifically about their " Fifth Third XXXX  Checking Account. '' I recently learned that they've been charging me a " Dormant Account Fee '' since XX/XX/XXXX of XXXX to present the month ( XX/XX/XXXX ). This dormant fee was never mentioned by the fifth third bank associate that offered it to me. The info was not in any of the account information pamphlets or paperwork that they provided which could be easily seen, identified or found. 

This momentum checking account was advertised at the time of signing and is still being advertised today ( verified on their website today XX/XX/XXXX ) as " free, no minimum balance checking account, no minimum deposit, no monthly maintenance fees, no hidden fees ''. 

While speaking to a Fifth Third Bank customer service representative today ( XX/XX/XXXX ) by the name of XXXX XXXX customer service phone number XXXX ) he mentioned that the fee would not occur if I had a balance in the low {$2000.00} 's ). I was then told by his supervisor ( title : customer service call center supervisor ) XXXX that the information he provided was incorrect. However, the dormant fee is charged when there's no account activity for more than 12 months. She then mentioned that the " dormant fee '' information can be found in the rules and regulation tab somewhere on their website under some inconspicuous rule section that has a number and letter. 

This fee is deceptive, manipulative and wrong. Any fees should be explicitly made and displayed by the banking institution and their representatives. The supervisor claims that the bank sent me emails warning me that my account was on the verge of going into a " dormant '' state but I could not find any emails from the bank mentioning this or any " dormant fee ''. 

They've charged my account {$35.00} and refuse to waive the total fees. They've chosen to only waive {$15.00} and that's unacceptable. I'm sure I'm not the only customer they've done this to. 

I've included screenshots of Fifth third Bank 's website info for their momentum checking account as proof of their deceptive tactics. Please help me get this matter resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: The Law Offices of Mitchell D. Bluhm & Associates
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:
Never received a debt validation letter before affecting my credit and did not receive new letters till after credit was affected to even be aware of any supposed debt. I am requesting a full valid debt verification. I would like to see full itemized billing and agreement of debt. I would like all information produced by original furnisher produced to debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 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 2023-08-03
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Unfamilliar transactions has occured so my bank decided to close y account. My paycheck was deposited on XX/XX/XXXX and i was told from my bank that they will reject it and send it back to my employer but a banker told me it went through even though my account is already close. Now i dont even have access to my own money that i worked for. Also the banker that i spoke to told me that she cant give me a timeframe of how long it takes to review my account before they release my money. I am very upset because im late on my rent because i cant access my own money.I cant even see whats going on with my account because I dont have no access to my usbank mobile app and all.

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 2023-08-02
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Sir/Madam, I am writing to submit a formal complaint against CashApp, a financial service provider, regarding the unauthorized closure of my account and the loss of {$800.00}, which was unjustly removed from my account without any explanation or permission. 

My CashApp account, registered under the username XXXX, was unexpectedly closed on XX/XX/2023, leaving me in distress and financial hardship. The account held a balance of {$800.00}, and I must emphasize that I have always complied with CashApp 's terms of service and all applicable legal regulations, making the closure of my account entirely unwarranted and alarming. 

In an attempt to resolve this matter and retrieve my funds, I have repeatedly tried to contact CashApp 's customer support through various channels. However, all my efforts to communicate with them have been met with complete silence and refusal to address my concerns. Despite my attempts to gain insight into the reasons behind the account closure and the loss of my funds, CashApp has shown a total lack of responsiveness and disregard for its customers. 

The {$800.00} that was removed from my account rightfully belongs to me from selling bitcoin, and I find it unacceptable that CashApp has taken this action without any valid explanation or authorization. This has caused significant financial strain and emotional distress. 

In light of the situation 's severity and CashApp 's refusal to communicate or provide a resolution, I kindly request the Consumer Financial Protection Bureau to intervene on my behalf. I seek the following actions to be taken : Request that CashApp promptly restores the full balance of {$800.00} to my account. 

Ensure that CashApp establishes a transparent and responsive communication process to address customer concerns effectively. 

I believe that the Consumer Financial Protection Bureau plays a vital role in safeguarding consumers ' rights and promoting fair treatment by financial service providers. I trust that your expertise and influence will help rectify this unjust situation and ensure that I receive the resolution I deserve. 

This email serves as an official record of my communication with the Consumer Financial Protection Bureau and my formal complaint against CashApp. I kindly request an acknowledgment of receipt and a commitment to investigating this matter in a timely manner. 

Thank you for your attention to this important issue. I look forward to a swift resolution that upholds consumer rights and holds financial service providers accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates, already under court order by the CFPB, is still contacting me regarding a debt that has not yet come out of deferment, and/ or is contacting me about a debt I do not owe and was never given a notice of my right to dispute. 
The loan ( which they are calling me about, illegally, in harassing phone calls ) in question never discharged in time and never covered all my late charges billed to me by the UC Board with less than 2 weeks left in my XXXX XXXX term. I had assumed by that time,, as any normal person would,, that my terms enrollment had been cancelled ( I was not enrolled with less than 2 weeks left in the quarter! And have records of this ) so I left the area to save myself rent charges ( again, with rental records to show this ). 
Only the terms late charges, ( not including tuition charges, which did not show up in my account until after I had left the area and traveled XXXX hours away by car ) were filed as a lost claim by the XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX XXXX of last year ( I am listed as a dependent in the case already settled out of court last XXXX ) I opted out of the settlement as I felt the terms were not satisfactory to cover my losses So Portfolio Recovery should not even be involved in collections efforts regarding this terms ' loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a victim of Identity theft. There are numerous accounts with significant balances that have been reported to my consumer report that I have no knowledge of nor created. Including address, phone numbers and inquiries. I've made several attempts to have them remove including written documentation submitted to the bureau 's requesting accounts to be removed. However, the issue has been unresolved.

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 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 Capital One Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose. 

This is in regard to late payments posted by Capital One on dates ; XX/XX/XXXX and XXXX, XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've recently gone through a divorce and as we were settling things financially, our mortgage payment went by the wayside. Prior to the divorce settling in XXXX of this year, we decided to put our house on the market and finally got an offer and the house was set to close in XXXX ( 2023 ). I didn't pay XXXX, XXXX, and XXXX at first ( while the house was in closing ), but then went back to pay XXXX and XXXX so I wouldn't be more than XXXX months behind. My last payment to LoanCare was on XX/XX/2023. 

I closed on the house on XX/XX/2023- in which a check for nearly {$200000.00} went to LoanCare to pay off the entirety of the loan. LoanCare gave the title company a payoff quote and spoke to someone. 

This week ( week of XX/XX/XXXX ) - I get a notification from XXXX that my credit dropped XXXX points because I'm behind on my mortgage. I'm trying to figure out HOW THIS IS POSSIBLE when the house sold, and I was given a check for the proceeds for my end. 

LoanCare is still showing that I owe money ( right now they show that I'm past due {$5300.00} with a payment to be paid on XX/XX/2023 ), and has negatively reported me to the credit bureaus. I called to talk to them and they said they never got the check, and the next step is foreclosure for the person who JUST bought the house and is living in it now.

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 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My capital one account XXXX is not reporting on my XXXX report, It once was now it has disappeared it is showing on XXXX and XXXX. I have contacted both capital one and also XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
US Auto Sales has breached my contract and sold the debt to Westlake. Westlake is trying to force me to pay on a contract that is no longer valid. They are not able to collect payments from me because US Auto Sales is still the lienholder. The debt has been removed from my credit but they are still trying to collect on a contract they have no bearings on.

Company response to consumer: Closed with explanation