BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this letter as my last resort to save my home from foreclosure. I have applied for a Loan Modification with my current servicer Select Portfolio Servicing for the last couple months, but I have not been able to work anything out with them and I am falling further and further behind. The reason I fell behind on my mortgage were due to reasons beyond my control. Due to medical conditions I had to have an operation, which forced me to go on Social Security. Not only that but there was a rupture and I had to replace the entire plumbing system for my home. Lastly, I had to evict a few tenants that were not paying me rent and were causing lots of trouble. 
Things are looking way better now and I am in a better position to assume my responsibility. I receive Social Security income and I receive XXXX XXXX jobs on the side ; also, some of my family rents with me now and helps me with rental income. I want to pay what is past due on my mortgage, but I can not afford to pay a lump sum of the past due amount. I feel a loan modification would be feasible for me at this moment and would definitely help me stay in my home. Ive applied over 15 times for a loan modification with SPS, in hopes of saving my home however they have turned down every application I have submitted. 
The most recent denial I received was on XX/XX/2018 and SPS stated I was not approved because they were not able to reduce my principal and interest payment, but even the payment I had before I can still afford ; its the past due amount I cant pay all at once. SPS stated my income was not required nor considered as part of their evaluation, but how do they know if I can afford my mortgage payment if theyre not reviewing my income? This is why I am turning to you for help, in hopes of receiving valuable information that will help me move forward and save my home from foreclosure. I have tried everything and even re-applied for another loan modification review on XX/XX/2018, however SPS refused to create a new review and the worst part is that they scheduled a foreclosure sale for XX/XX/2018. I have only received 1 modification in the past and that was a few years back, but I should be entitled to another modification. Please look into this and help me keep my home. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is a follow-up to complaint XXXX which is now closed. USAA was dishonest in their response, nothing has been resolved and their staff is unable to close my account. I would like the information on how to close my account. 
Currently, I am unable to receive my bills due to the ebill feature that was established. I have made requests for USAA to disable the feature so I can receive my bills but they are unable to do that. This is adversely my ability to pay my bills and take care of my responsibilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX appeared on my credit reports and I have never dealt with them. I have inquired, to no avail, as to who is responsible.

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 2022-01-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2021 I missed a payment on my American Express card for my billing period of XX/XX/XXXX - XX/XX/XXXX. I paid the balance in full on XX/XX/2021 ( 2 days late ). I was charged a late payment fee of {$29.00} and interest of {$120.00}. I was charged an additional interest fee on my XXXX statement of {$110.00}. When I called, I was informed that this was trailing interest. Apparently as soon as the balance was paid on my XXXX statement, the remaining balance that I was incurring on my XXXX billing period became subject to interest. I was not informed that was the case as typically I can carry a balance as long as my statement balance is paid off. Therefore from XX/XX/XXXX - XX/XX/XXXX ( when I paid my statement balance in full on time ) I was charged interest on the balance. So, for 2 days late and 11 years as a card holder with on time payments, I incurred total fees and interest of {$260.00}. The late payment fee, interest on XXXX late payment, and 2 days of interest on the payment make sense to me. Starting interest accrual on XX/XX/XXXX without informing me, XXXX be company policy, but is abusive and excessive. For 2 days late I paid 2 MONTHS interest. 
Interactions with Amex - 1. Called and asked to waive- they waived the {$29.00} fee and explained to me the XXXX interest fee. I told them that I thought it was ridiculous to charge me 2 months of interest for 2 days late, but was informed it was company policy. I said that I would cancel my card and file a complaint. I was transferred to cancellations. 
2. Cancellations again explained the trailing interest to me and offered me a {$15.00} credit if I kept the account open. I declined. They offered me a {$75.00} credit if I kept the amount open, spent {$2500.00} in 90 days and kept it open for a year. I agreed, but in retrospect it seems that I lost and they won in this situation and leaves a bad taste in my mouth. I also spent an hour of my time on the phone. What a waste.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: ERC
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:
On Monday XX/XX/2019 I received a phone call from erc about a XXXX bill that I do owe. when I told them there is no way I could come up with {$1000.00} at the moment a collector and a supervisor by the name of XXXX  threatened to report the account to my credit if I did not pay them by the XXXX  of XX/XX/2019. when I asked about how their credit reporting works and how often they reported to the credit bureaus they neve answered my question and instead kept telling me that they were going to report to my credit because I could not pay. then on XX/XX/XXXX-XX/XX/XXXX of 2019 I received harassing phone calls 5 times in 2 days with 4 voice mails and no message left on the voicemails just back ground noise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a Citibank member for over twenty years and have had my CitiXXXX Checking Account Since XX/XX/XXXX At the XXXX Branch. 

On XX/XX/XXXX I noticed that over XXXX days, money had been taken from my Citibank XXXX account - a total of {$640.00} of Fraudulent Transactions. I called Citibank XXXX and the money was provisionally credited to my account. 

On XX/XX/XXXX I looked at my account and the money reimbursed was taken away. 

On the same day I went personally to the Bank and along with the Bank Manager called the XXXX Bank accounts. 
On the call we were told that case number XXXX was closed. 

I was asked if I knew XXXX XXXX who used the money to pay {$640.00} to pay a XXXX XXXX account. 
I replied NO, I DO Not Know her ( XXXX XXXX ) I was asked another question Did I give my routing Number to someone I answered NO, this money was stolen from me. 

On the call from the Bank phone we were told there would be a new Case investigation - Case XXXX. 
I was given over the phone a new Case number and was told I will be notified via email. l never was. 

I followed up with Citibank on XX/XX/XXXX to ask about the new Case Case XXXX. I was told the Case did not exist, my case was closed. 
A phone number for XXXX XXXX was included for follow up, for me to call XXXX XXXX. 
I called XXXX XXXX and was informed they only provide information to a XXXX XXXX. 

On XX/XX/XXXX I asked Citibank to put a stop payment confirmation to XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. This was done while on the call with CitiXXXX 

As of XX/XX/XXXX I have not been credited the {$640.00} to my CitiXXXX Checking account. I am waiting for that money to be reinstated. 

For Security purposes I have closed the old CitiXXXX Checking account ending on XXXX and opened a new CitiXXXX Checking account NO. ending in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is my 3 or 4th complaint about Chase card service. They have treated me like a criminal since my identity was stolen in 2021. I am still fighting with them to close an account that was opened in my name. They finally after almost a year and half closed my 1 account I had with them that had the {$6000.00} fraudulent charges on it. After getting a lawyer. Now they are still giving me the run around with the account that was opened in my name. I have not opened any new accounts with Chase. I only had the one account with Chase. Ive sent the police report, Ive called, Ive emailed and still not closing and removing from my credit report. My score was over XXXX now its a XXXX due to Chase not believing or responding to my identity theft report. I am not paying for an account that is not mine. I didnt open the account with the {$600.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX XXXX a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I requested copies of all my statements and disputes filed. None have been approved despite the fact I XXXX  documents to provide proof of my claim. It has been over XXXX in disputes and kone have been resolved. I had a problem with ide tity theft. I was unaware that my benefits had been paid as of XX/XX/2022. Maybe earlier than that. I did not receive my card until XX/XX/2022 and due to my XXXX I did not see what was happening. I am XXXX  XXXX and since finding out have learned my lesson. My XXXX XXXX we're either skinned or directly taken out of my account but direct express denied any accounts bring linked to mine. Social security has a different set of details that reflect the amounts bring paid out. However, more than {$250.00} we're being refuced on a monthly basis. Every time I have called I have been detoured and the XXXX  never gets resolved. I would like for direct express to recount every vebegit amount XXXX  and refund my disputed amounts. In XXXX, there was $ XXXX taken out of my account. I disputed and filed a police report. This dispute was too denied. This isn't the only financial institution that has been affected by the identity theft. As a whole, it has caused me great and significant hardship. I would appreciate it if this gets resolved promptly. XXXX has passed and I am close to fing a civil harassment lawsuit because if situations like this. In which I have been blamed for JEOPARDIZED for something I have konostt of. Because of every agency and my financial institutions not completing, I am now XXXX. And unable to pay my rent. I need my funds XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is in direct response to my previous complaint. This is repeat of a complaint to exponential in size. 

TransUnion responded to complaint number XXXX that I was disputing a credit report. In the afore mentioned complaint, I never asked to dispute a credit report. Already did that. 

I would also like to give notice that I have been in contact with XXXX XXXX  many times. 

Here is the problem. TransUnion showed me delinquent on my mortgage. 

In my last many hours long phone call, TransUnion admitted they never received a report from XXXX XXXX. 

Lets repeat it. I have contacted XXXX XXXX  they have cooperated and have given me reports. 

Lets repeat. XXXX XXXX  never reported me delinquent. That is according to XXXX XXXX  AND TransUnion. 

Lets repeat, when the delinquency showed up I did file a dispute. I ended the dispute when XXXX XXXX  notified TransUnion I was never delinquent. 

Lets repeat. TransUnion on its own showed me delinquent. TransUnion did so with no reports no documents no transmittal letters, nothing from anything stating I was delinquent. 

Lets repeat. Why did TransUnion on its own show me delinquent. 

Lets repeat, XXXX XXXX did respond to TransUnion I was never delinquent. 

Lets repeat. XXXX XXXX  filed a single report going to all credit reporting companies, none showed me delinquent other than TransUnion. Proof XXXX XXXX  never reported me delinquent. 

Lets repeat. Why did TransUnion show me delinquent when no such report was given to TransUnion. 

Lets report, I did not ask for another dispute investigation into the delinquent report. That has already been done. 

Lets repeat. After maybe a dozen complaints TransUnion has never responded to my question as to why they generated a late report when they received no such 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 explanation
Consumer complaint received 2021-07-23
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21, I opened an Citibank XXXX Savings account and funded {$20000.00} through an ACH. When the money was transferred from XXXX XXXX, I tried to log online with Citibank to verify that they received the funds and I discovered I was locked out of online access. When I contacted Citibank on XX/XX/21, I was transferred to 8 or 9 people and I was told that I was now a multirelational customer ( I have a Citibank credit card for over 30 years ) and that I had to speak with the banking side. I contacted them and was told that my online access wouldn't be back until I received a debit card for the XXXX account which would arrive in 5-7 business days. Meaning that I was locked out of paying my credit card as well. They overnighted me a debit card and I was able to login back in online on XX/XX/21. I could see both my XXXX Savings and my credit card but funds were not available in the savings account. There was a message that stated that I " violated the terms of your account per the client manual '' and that they were automatically closing the account and any other Citi accounts within 60 days and sending a check for any funds belonging to me. 

Citibank provided a phone number on the notice with hours that aren't correct so I couldn't reach anyone at that number. I used a phone number that I had obtained on XX/XX/21 and was not given any answers as to why my account was flagged and was told that I couldn't ask for my money back sooner. That the policy was was it is and that is that. 

Also, in researching how to transfer my money back, Citibank won't allow you to transfer any more than {$10000.00} a day or {$15000.00} in a rolling 30 days and you can never go below {$500.00}.

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 2022-12-26
Company: EQUIFAX, INC.
State: NC
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 or XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-12-18
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had a coinbase account. Somehow it was compromised I and all the funds were sent out of it to a third party address. Coinbase claims they have no fault in this but they are the ones who sent it. They have done nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 non-monetary relief