BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I transferred {$16000.00} to my business account. I have deposited larger amounts before but this time they put a hold on it until XX/XX/XXXX. I need the money to buy a car. My car is no longer working. They will not release the funds to help me, eventhough the money has already been removed from the other account.

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 2018-09-06
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:
This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, Transunion delete these late payments and update my profile

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

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 2021-06-03
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 a scammer posing as my girlfriend on the app Venmo requested {$400.00} stating that they needed it for groceries and because they left their wallet at home and that they would pay me back. The scammer used my girlfriends name and profile picture. I sent the {$400.00} because I thought it was my girlfriend. I reported this as fraud to Venmo and all they have done is continue to blame me and state that there is nothing they can do. They said they would investigate the issue but also said I would never be issued a refund if the money could be recovered. This is NOT okay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage acquired my mortgage loan over a year ago from my previous lender and they failed to pay my hazard insurance despite my faithfully made mortgage payments. My taxes and insurance are impounded from my mortgage. I have had the same hazard insurance for the past three years with two different lenders and had never encountered an issue or non payment until Freedom Mortgage assumed my loan. My hazard insurance policy is now cancelled due to non-payment, despite me informing Freedom Mortgage that they failed to pay it and it was on the verge of cancellation. I have made contact with Freedom Mortgage telephonically 5 times about this issue and each time I spend almost an hour on the phone with them and did not come to a resolution. They informed me that I needed to purchase another hazard insurance or they would purchase one for me at a higher cost, with less coverage than I had before. I have been without hazard insurance for over a month now and supervisor XXXX advised me that Freedom Mortgage secure insurance through their own company and I'm starting to see a pattern here because apparently this happens a lot with this lender. My previously canceled hazard insurance would not accept my business again due to Freedom Mortgage 's incompetence in paying my premiums in accordance with regulations and law. I should not have to pay more than I was paying for due to their negligence, nor should I be subjected to less coverage than I previously had.

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 2023-05-07
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My car was used in a fraudulent that are not by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I called Citizens Bank on XX/XX/XXXX to notify them that I would be unemployed after XXXX XXXX because I was moving back home to XXXX from Texas to assist with the care of my great grandfather ( who is also the cosigner for my loan ). He is currently in a nursing home and doesn't have extra income to help me with payments. 

I was told on that initial call that I needed to pay the rest of my late payment, and then I would qualify for forbearance and to call back the next day to initiate the process. I called back the next day after making the payment, and submitted my application through the representative on the phone. I was told I'd receive an update between 5-10 business days. 

I called again on XXXX XXXX after 7 business days because I noticed my account had not been put into forbearance or deferment. The representative resubmitted the application on that day after I gave them the same information. 

I called again the following week prior to the holiday to get an update, and was told that my request was still processing. 

I have received numerous email notices about my late payment which I can not pay because I no longer have an income. I have not received any paper notices in the mail about the decision or application confirmation or any email notices or updates about my forbearance/deferment decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Open XXXX XXXX XXXX : # XXXXXXXX XXXX charge off. fraudulent misrepresentation. deceptive omissions of material facts.in violation of15 usc 6809 prohibits, a financial institution from reporting non-public personal information to a non-affiliate third-party, unless the financial institution has given the consumer opt out and privacy notice, providing the opportunity to opt out.15 usc 6802 opt out notice is a requirement.section 5 ( a ) of the FTC act 15USC 45 ( a ) prohibits, unfair, or deceptive acts, or practice in or affect in commerce.

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 2023-04-27
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX & XXXX XXXX XXXXXXXX Date Opened XX/XX/1997 Balance {$99000.00}

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 2023-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today XX/XX/23 I attempted to use my credit card for {$310.00} at Walmart. The transaction was flagged for fraud. I responded to all text alerts and emails that the transaction was valid. My card was still declined. I called fraud and spoke with the XXXX associate ever. He clearly did not know how to remove a fraud restrictions. I verified my information, recent activity, and login info and was advised I could use the card as normal. Again my charge was blocked for fraud. For a second time the XXXX associate made me verify the SAME information that I already verified on the phone with him moments before. For a THIRD after being told my card was available for use, the card was blocked again due to fraud. For a FOURTH time the associate wanted to verify the same information and also wanted me to upload my driver license while standing in line at the grocery store attempting to buy my groceries. Hands down the worst service I ever received in my life. I was forced to use another method of payment because of an incompetent associate not being able to remove the block off my card. My card is still BLOCKED. I want my card unblocked and I want my account credit the amount of miles equivalent to a purchase of {$310.00} due to the incompetence of Capital Ones associate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX there was an unauthorized payment made on my account for {$2500.00} out of someone else checking account who made an {$1000.00} payment the week before as a favor. As soon as he called to tell me that {$2500.00} came out of his bank account, I immediately called my point of contact there, explaining the situation & she put in a request for a refund. After the 48 hours I called her to find out the status & she told me it was still pending and for me to email the XXXX department DEMANDING they refund the money. I emailed them 3 separate times with no response, the following day I reached out to my point of contact again & she then tells me it was denied & for me to call & ask for a supervisor, I did that on XX/XX/XXXX which was unsuccessful. They were really rude & she pretty much told me that theres nothing they can do about it because if they refunded it, it would bring me past due which I told them I have the money for a payment, but that Im not paying it until the {$2500.00} payment is refunded. She then tells me to just pay him back.Absolutely not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX/XXXX  NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2023-01-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi illegally and secretly cancelled my debt protection insurance with the company XXXX XXXX which was linked to my Sears mastercard. Citi is refusing to provide a reason for the cancellation and is refusing to reinstate it. I have been trying to get this resolved for at least XXXX years. The most recent rep I communicated with via XXXX is now ignoring me. When I emailed customer service all they could say was the insurance was cancelled in XXXX XXXX, however XXXX XXXXXXXX says it was cancelled in XXXX XXXX XXXX XXXX says they could not re enroll me but Citi claims they can. As the insurance is offered by the bank it is clear Citi is the one being dishonest and fraudulent. They owe me compensation for this insurance that was cancelled without my knowledge or permission.

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 2018-09-06
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I FOUND AN ACCOUNT ON MY CREDIT REPORT FOR {$2800.00} WITH XXXX XXXX XXXX. I CALLED THEM AND THEY DONT HAVE THE DEBT AT ALL BUT IS STILL REPORTING TO MY CBR. I TALKED TO A LADY NAMED XXXX WHO WORKS FOR XXXX XXXX WHO SUPPOSEDLY HAS THE DEBT. SHE GAVE ME THE NUMBER FOR XXXX XXXX WHO ACTUALLY NOW HAS THE DEBT. THE DEBT IS FROM XX/XX/2013 WITH 5 YRS INTEREST ON IT. THE REP I TALKED TO HAD NO IDEA WHAT THE PRINCIPLE BALANCE WAS ON THE ACCOUNT AND OFFERED ME A DISCOUNT OF 50 %. I REFUSED BECAUSE I KNOW THE ORIG BILL WAS NOWHERE NEAR THAT HIGH. SHE THEN SAID SHE COULD GET IT DOWN TO XXXX SPLIT IN 2 PAYMENTS. THIS IS DAMAGING TO MY CREDIT AND NEEDS TO BE REMOVED AS THE INFO IS INACCURATE AND THEY CANT EVEN VERIFY THE ORIGIONAL BALANCE AND ANOTHER COMPANY IS ACTUALLY REPORTING IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XXXX we listed our home for sale with a realtor. XXXX we entered into contract to sell. Closing was set for XXXX. On XXXX we were notified by XXXX XXXX and XXXX that there was a lien/mortgage against the property recorded at the county courthouse. We filed bankruptcy in the early 2000 's ( not sure of the year ). This property was listed in the bankruptcy. In over 20 years we never received any notices, foreclosures or otherwise in regard to owing anything. We were told it was discharged. Now three ( 3 ) days before closing we were told about this. We don't know where or how this could ever happen and was unexpected. Closing is postponed until XXXX. The title company had a very difficult timing contacting anyone to find out payoff information. Finally on XXXX they received payoff letter from PHH Mortgage. We contact our attorney to negotiate a lesser amount. She emails and calls PHH Mortgage and does not receive any response for 2 weeks. She advises us that according Illinois law, we would have to close or be possibly be in a lawsuit or other legal action from the buyers. Closing was XXXX and we had to sacrifice paying this unknown mortgage. I call XXXX Mortgage at XXXX on XXXX at XXXX XXXX talked to XXXX ID # XXXX - XXXX at XXXX XXXX talked to XXXX ID XXXX XXXX - XXXX @ XXXX XXXX talked to XXXX ID # XXXX. No one was ever able to offer any assistance or would return calls if I left voicemails. I emailed as instructed to XXXX & XXXX and received no response. The only email I would get a response from is XXXX. Please see attached emails. They did offer over 50 % discount which we agreed to. They then request us to pay and I sent them the check and proof of delivery. They informed me that release would be sent. I asked for refund as we absolutely had to pay much more and was told there would be no refund. All of this negotiation, once we could reach out to someone took over 30 days. We were notified of this being due on XXXX and closing had to occur on XXXX -- -- 2 weeks. This delay in communication has cost us over {$45000.00} which we feel is unnecessary do to lack of response on PHH Mortgage. We are asking for any assistance to recover this money we had to sacrifice in order to sell our home.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 respectfully urge you to update my account with the accurate information as soon as possible.

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 2021-12-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had wire fraud on XXXX for amount XXXX from Citi Bank. The Bank said that they cant help me return money. When I spoke on the phone with manager he told me that Citi Bank is not responsible for my money and that I can hire lawyer of my choice to sue the bank. I talk to people in the XXXX branch-no one was able to help me.

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 2023-03-23
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$37000.00}

Company response to consumer: Closed with explanation