BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Incomm Holdings Inc.
State: OR
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My fiance and I just purchased a Vanilla Visa gift card from XXXX tonight ( XX/XX/2023 ) for one of our relatives that is helping with our wedding this weekend ( we were wanting to do something nice for all the help they have given us ) We purchased the card and put {$200.00} on it. When we got it home and were taking it out of the blister pack it was in ( which was sealed ) so we could put it in the greeting card, we noticed the last 4 digits of the card number were scratched off, and also the 3 digit cvv was scratched off. So we have no way to access the {$200.00} we just put on the card. 

We immediately took the card back to XXXX tonight, and were told by them that they can not do anything about that due to it being a gift card ( non returnable/non refundable ) They told us to call the number on the back of the prepaid card. 

I proceeded to call the number and spoke with a representative about getting a repalcement card. They initially asked for the 16 digit card number, which i told them was not possible because the last 4 numbers and the cvv were scratched off. 

She then proceeded to take my name, date of birth, address, phone number and the XXXX reciept ID #, but then also told me i will still need to send in a verification of address ID ( drivers license ) copies of the front and back of the card, and the XXXX reciept. I just dont feel comfortable sending to an email im not familiar with ( XXXX ) especially after reading quite a few other peoples experiences with Vanilla, some of which haven't received a refund going on a couple of months. 

They gave me a case # XXXX, but i am still very leary about sending them any more personal info for a prepaid card. 

Even after I send all of that info, they said it will take at least 30 days to invesitgate before they can possibly send a new card. This seems very shady to me, and i feel violated for them taking {$200.00} from me and holding it XXXX  until they deem it ok ...... 

I ended up having to purchase another gift card for {$200.00} ( which we verified at the store to make sure the numbers werent scratched off ) so that we had one to give for our wedding this weekend. That was {$200.00} i wasnt planning on having to spend, so it is a bit aggravating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: CA
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:
Please see attached. The loan from XXXX XXXX XXXX XXXX XXXX is not a mortgage or heloc loan. This information is inaccurate and needs to be corrected and or removed. Please investigate. The attached was sent in today 's mail via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial failed to pay my property taxes from my Escrow account resulting in {$190.00} in late fees from XXXX XXXX. I had to submit the payment personally to XXXX XXXX even though I have an escrow account that is supposed to take care of Taxes and Insurance payments. Also my Home Owners Insurance has repeatedly submitted to BSI financial the Insurance Declaration Page and BSI Financial keeps on loosing it. I had to call XXXX XXXX and tell them to submit the Declaration page again. BSI Financial is an incompetent and costly institution that blames it's incompetency 's to its customers. I want my {$190.00} refunded. I've called BSI numerous times regarding this issue and they keep on avoiding me. I want to be removed from BSI financial and move to a different Mortgage processing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, we refinanced our loan with XXXX. Who they sold our loan to NewRez LLC in XX/XX/2021. In XXXX, our Property taxes were due and not paid on time or at all. I paid {$5200.00} plus {$530.00} for a total of {$5800.00}. Additionally, I paid {$130.00} service fee for using a credit card. XXXX has been working with XXXX XXXX in escalations at NewRez. However, I just received notice today that I am only getting refunded {$530.00}. There is no way for me to contact XXXX, her number is restricted and she will not reply to my only email that I sent yesterday XX/XX/2021, asking for an update. We don't get to choose who buys our loan, so how does publishing this description help anyone. 

When I refinance again, because I don't want to give these people any more money, how do I make sure they don't end up buying my loan again? 

And I filed a complaint with NewRez to remove my escrow account and I don't meet the qualifications because I am a new account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: AL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  Bankruptcy XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My XXXX XXXX XXXX XXXX is reporting to credit bureau saying that I was 30 days past due back in XXXX of XXXX. I have bank account statements saying I paid the monthly bill in full in XXXX of XXXX. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. XXXX has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX  XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau 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 states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and capital one do not want abide by the law hopefully this will make my credit report accurate.

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 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2019, I made a payment to a XXXX vendor through PayPal. It was an established account I had already been paying for years. My credit card was charged but the funds were never transferred. I contacted PayPal. They assured me nothing was wrong, sometimes some payments are placed under administrative review, and that I should feel confident to continue making payments to the account. 

I made a total of six payments over the month, totalling over {$27000.00}. During that time, I contacted PayPal a couple more times. Each time they assured me the payments would be processed and that they didn't see any issues with the account. 

After a month, I stopped sending more payments but continued to contact PayPal. They told me it sometimes takes up to six months for compliance to review a payment. After six months, they asked me to be patient and said there was no timeline for a compliance review. 

I submitted a complaint to the New York Attorney General 's office. PayPal responded by declaring my transactions were flagged as an OFAC violation but they wouldn't give me any information regarding the violation or how to challenge the allegation. 

Recently, I inquired as to the status of the funds. PayPal insisted they had already refunded me the money in the XXXX, XXXX. They even marked my transactions as refunded and informed my vendor that the funds had been refunded. It was all a big lie. The funds were never refunded. 

I requested documentation showing the funds had been returned to me. PayPal refused. I contacted my credit card company ( XXXX XXXX ), who told me any refunds would have appeared on my statements and there are no refunds from PayPal. 

I believe PayPal lied about the OFAC violations. They deceived me into sending additional funds to an account they had already flagged. They lied to me ( and continue to lie ) about the status of the funds. They defamed me by falsely informing my vendor that the funds had been refunded to me. 

This has continued for over two and a half years and they still insist on lying to me about the status of the funds. This is grand larceny. PayPal has stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23, I deposited a check for {$1800.00} via Citibank Mobile Check deposit. I received an email confirming the deposit and saying I would receive more information about the status of my deposit shortly, but I never received any other communication. On the evening of XX/XX/23, I chatted with a citi rep via online chat and was told my funds would be available XX/XX/23. This rep also told me I would be informed of any delays via writing. On the morning of XX/XX/23, my funds were not available and I was told there was an additional delay placed on the deposit. I spoke with 2 Citi CSRs, the Citi Technical Suport dept, then finally Citi XXXX XXXX -- I told them in no uncertain terms I wanted a copy of the notice I should have received informing me that my funds availability was delayed. XXXX called me back about 1 hour later and informed me that there is an ongoing issue where required notices are not being mailed to Citi customers, and that while he apologized there is nothing he can do and there was no way I could receive a notice in writing about the delay on the funds from my deposit. He then hung up on me. The terms and conditions of my account state that " Our general policy is to make funds from any type of check deposit available to you no later than the first Business Day after the day of your deposit. '' The terms further state " If we decide to place a longer delay at the time you make a deposit, you will be provided a notice that lets you know when your funds will become available to you. If your deposit is not made with a teller, or we decide to take this action after you have made your deposit, we will send a notice to you by the next Business Day. " It is UNACCEPTABLE for XXXX to state that I can not receive a copy of the notice the terms & conditions of my account state that I will receive.

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 2023-07-22
Company: Aldous & Associates, PLLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Aldous and Associates XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCT # : XXXX has been trying to collect a debt that is not enforceable for a number of years. I used to be a member at XXXXXXXX XXXX XXXXXXXX in the XXXX XXXX XXXX XXXX It was a non contract month to month membership that could be cancelled at any time. 

I informed management that I would be moving to XXXX, MI in XXXX of 2018 and would no longer be using their facilities. They had me sign a little touch pad and told me I was good. Apparently ; I wasn't. 

I am nearly 2,200 miles away from any XXXX XXXX XXXX facilities and am a member at XXXX XXXXXXXX which has facilities NATION WIDE including in the XXXX XXXX XXXX There is no reason I would have kept this membership as I visit XXXX for a week maximum every eighteen-months. 

XXXX and XXXX have already removed this from my report ; however, the company themselves have not removed it from my XXXX XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Dates are XX/XX/2023 and XX/XX/2023 and possibly for XX/XX/2023 Im struggling still to make payments due to job loss and no wages to pay my mortgage and vehicle and maintain my utility bills. Ive gone to Community In Action, XXXX and I feel like theyre always closing doors. I can never get help from them. I want to keep my home I havent been a few Monday hopefully to get the job but Im not giving up and looking for work still its been hard and tough. Im a single mom, I have faith that I will get a job here soon. God is good please help me financially to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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: Information belongs to someone else

Complaint:
I was notified by Experian that a new installment loan was opened in my name with a company named XXXX XXXX XXXX This loan was for {$1000.00} dollars and started reporting on my account on XX/XX/2021. The report says the account was opened XXXX. There has been 6 withdrawals from my XXXX checking account, 3 for {$44.00} and 3 for {$9.00}. I have issued a stop payment today on XX/XX/2021 with XXXX XXXX  XXXX department. I have reached out to Experian to file a dispute but said since the fraudulent person used my correct information, they closed the dispute. I also reached out to XXXX XXXX in order to address this fraudulent activity and they stated that since my information is labeled correctly then they see no issue. I have no login account with XXXX or loan account open so there is no way for me to speak to someone directly about this.

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 2021-12-01
Company: AFNI INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received collections letter on XXXX21. Says that creditor is XXXX XXXX XXXX, Account XXXX. 
AFNI account : XXXX balance : XXXX Letter states a settlement offer of XXXX has been suggested. 

states XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX And Agency Account XXXX. received 5 letters That has violated my rights, By sending them to the wrong Address, Has violated with my rights by giving exposing my personal information, with the details accounts numbers, that has put my information in jeopardy for scams, and for someone to steal my identity I will be uploading the Letters that 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. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1692 ( B ) ( 2 ) 15 u.s.c 1692 ( C ) ( A ) 15 u.s.c 1692 ( G ) ( A ) 15 u.s.c 1692 ( D ) 15 u.s.c 1692 ( C ) ( A )

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 2023-07-26
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I moved from XXXX  to XXXX  and I was never notified if my loan status. I received a letter in XXXX  stating that I borrowed $ XXXX and I was to pay XXXX for attorneys fees and XXXX in interest. I advised the company that I was not aware of this matter and they stated that there was nothing they can do. I moved to XXXX  in XXXX of 2009 and this notification was sent 4 or 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: 3rd Generation, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX : XXXX SSN : XXXX XX/XX/2021 Dear XXXX  XXXX XXXX XXXX, I'm writing this letter in regards to the above-referenced repossession account. I'm very upset that you are reporting this inaccurate repossession account on my credit report as it's really damaging my credit score. This inaccurate listing is a mistake either on your part or the furnisher 's part. 


Creditor : CALIFORNIA XXXX XXXX, Account : XXXX This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified.Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE. 


Please update, modify or remove any account that is not reported 100 % accurately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I initiated a bill payment to myself from my XXXX XXXX Credit Card account to my Citibank checking account. The bill payment check was for {$1400.00} and was mailed to Citibank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My account was never credited for the {$1400.00} deposit. 

Looking at a copy of the cancelled check I received from XXXX XXXX, I can see the check was received and cashed on XX/XX/2023. The endorsement on the back of the check reads : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX After several calls to customer service, on XX/XX/2023 I visited the Citibank branch XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX and spoke with XXXX XXXX XXXX She was not able to assist me, but took my copies of the cancelled check and letter from Citibank requesting additional details about the deposit. XXXX said she would give my information to the XXXX representative, along with my documents and he would be in contact with me. On XX/XX/2023 I emailed XXXX to get a status on my missing deposit, she never answered my email or calls. 

I have placed more XXXX phone calls, visited the branch and placed numerous investigations ( XXXX, XXXX, XXXX ) attempting to locate my missing deposit without any resolution. I keep getting the runaround and no one will take responsibility to investigate where my {$1400.00} deposit went.

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