BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In late XX/XX/2017 a checking account was opened with Fifth Third bank and {$100.00} deposited in via ACH transaction from one of my other accounts. 
My Michigan Drivers License was provided along with my home address I registered for online access and provided a user ID and password. 
This information was auto saved on my computer for easier access. 
A about a week after opening the account I was unable to sign on. Therefore I called and reached the security or fraud dept. 
The male representative said I needed to answer questions to verify my identity. I was asked 6 questions about my past ; example, previous address, mortgage info etc.. All the questions were answered CORRECTLY. I was impatient with the representative due to his tone and I believe as a result the representative retaliated by refusing to take the restriction off although I did correctly answer all the security questions. 
As a result, I had to cancel large deposits to cover payments which ultimately bounced. However, with my account restricted and being unable to get to a branch ( work takes me out of state 4 days a week ) There did n't seem like much i could do. 
For the representative to question my identity is absolutely insane and reckless. My information matches information on all my credit reports and with my drivers license and the fact mail has been received by me at my address ( see attachments ) this representative was simply retaliating and I refuse to allow that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made several attempts to have fraudulent inquiries removed from my credit report with no resolve. Some inquires have actually been duplicated.

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 2017-04-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of today, XX/XX/XXXX, Carrington Mortgage has STILL not provided any information about my loan, despite acquiring it in XX/XX/XXXX. I have STILL not received a XXXX as required by FEDERAL LAW. I have no idea why they continue to add late fees to the account because they REFUSE to send monthly statements. I have recently provided them with proof of insurance, but have been told that they will continue with the forced coverage placed on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023, I opened an account with XXXX to take advantage of a {$250.00} new checking account promotion. 

The promotion stated to receive {$250.00} XXXX needed to open the My Community Free Checking account with {$1.00} or more and that I must have a total of one or more ACH deposits totaling {$500.00} or more and to maintain and average daily {$500.00} balance for 90 days. The promo stated I would receive the {$250.00} bonus in XXXX XXXX  days, but I never received the {$250.00} bonus. 

After account verification, I made the first XXXX deposit on XX/XX/2023 for {$500.00}. I had more XXXX deposits on XX/XX/XXXX for {$300.00} and on XX/XX/XXXX for {$200.00}. 

From XX/XX/XXXX - XX/XX/XXXX my balance has never dropped below {$500.00} even after making some withdrawals from the account. 

I received a message from customer service that I dont qualify for the bonus because I didnt maintain {$500.00} balance for 90 days. That is completely false and my checking statements shows that my balance never dropped below {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all   XXXX   bureaus  XXXX ,  XXXX , and Equifax. Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: AXOS FINANCIAL, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a tax issue. 

I refinanced my home with Axos Bank in XXXX. They never gave me a XXXX tax document, but I was able to use the refinance paperwork to complete my taxes. Again, I have not received a tax document, now for the tax year XXXX. 

Online where the documents section is located, it says that I will not have a tax document and that only people who pay more than {$10.00} in interest receive one. I have paid much more than that and should receive one. 

I tried their virtual help and was told that the documents were mailed XX/XX/XXXX ( over 3 weeks ago ) and that if I receive e-statements that the document would be in my document section. I am unable to sign up for e-statements, because there is no sign up option online.

My paper statements are going to the wrong address, and I have tried to change the mailing address and still am not receiving mail at the correct address. Perhaps a tax document went there as well? Maybe that happened last year too? 

I called the XXXX number and spoke with a call center rep. She was unable to help me. She said she is unable to email me the tax doc ; she's unable to upload it into my Axos statement section, and she needs {$10.00} to mail me a tax doc. 

I refused to pay {$10.00} for a document that should be legally mine ( and for free ). At that point she was unable to help after I refused to pay money. I asked for a manager and was told that one is unavailable. She said she'd put in a request with her manager. 

I asked how long I should wait to follow up because I didn't feel confident that the issue would be resolved, especially since no resolution had been agreed upon once I denied payment. She didn't understand my question and said she would have a manager call me back. 

I chose to report this to the CFPB, because I have had ongoing issues since I started the refinance process with this bank, and they seem to continue. I can't get my statements online. They keep mailing to the wrong address. And now two years in a row I haven't received a tax document. 

How do I file my taxes?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have submitted numerous request for investigation for accounts reporting on my credit file that are erroneous and I have not received any mail or seen comments that show evidence that my requests have been acted upon. Please help me remedy this issue.

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-11-13
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX Reversal to XXXX XXXX through Paypal {$810.00} XXXX Reversal to XXXX XXXX through Paypal {$810.00} XXXX transaction XXXX Payment reversed to XXXX XXXX Paypal {$260.00} Paypal is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Keaveney Legal Group, LLC
State: NJ
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
hired foreclosure defense group charged me a starting fee off XXXX plus monthly payments of XXXX for a loan modification and protect the house from going to foreclosure, house was sold and forclosed. no idea if we were approved or denied the modification no notice of redemption period withdrew money even when the house went to public sale, sheriffs sale and when house was sold. most communication was via email some phone messages but not many. was told to just keep sending the necessary documents as needed and we did. lead us to believe all was going fine. Only time we spoke with the attorney was when he told us that the house was sold and we would eventually be evicted. The people that we dealt with on a regular basis were only customer service representatives, not even parrallegals or lawyers. Now were fighting for our rights and our home. Trust is a very hard issue and we have never felt so taken advantage of. The law firm had plenty of time to file a TRO ( temp restraining order ) and an emergency chapter XXXX. What these people did was they were dual tracking of the loan with the mortgage company. So unjust and wrong. The completed contract should have the attorneys signature and it does n't, wondering if it was all real or fake. We have lost the most dearest memory of all our home.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-23
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 have disputed many times that it is past the legal time to continue to be reported on my report. In addition, the loans are discharged and I have consistently disputed with the Bureaus in order to get the loans removed from my credit file. They are clearly operating in fraud. These accounts must be removed from my credit file.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX XXXX  L ) XXXX XXXX ( Original Creditor : KXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX

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 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A guy called saying someone in XXXX was charging on my capitol 1 XXXX. Then he wanted to close and send new card. To do that he wanted my card info and all my credit cards. Said it was to protect all cards because someone had all my info my SS and morhers maiden name. The number he called from was from XXXX california. Said nzme was XXXX XXXX desk # XXXX XXXX XXXX emp id # XXXX. The number he called from was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
a auto loan was opened through capital one without my knowledge in my name for {$26000.00} on XX/XX/2018. i called called capital one and asked for it to be removed from my credit report when i found out about it but they did nothing so i filed a claim with the FTC ref number XXXX and am asking for it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : 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 explanation
Consumer complaint received 2017-07-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In  XX/XX/XXXX , someone forged and was able to cash out a check worth {$800.00} from my checking account, I filed a police report and filled out an affadavit. Fast forward to the next  summer o f   XX/XX/XXXX  I sti ll had n't had my situation rectified, so I visited   XXXX   XXXX   XXXX   Citibank and the branch manager   XXXX   could not tell me why my funds were erroneously cashed to a forged check, he was very hostile and rude and kicked me out of the branch. A few months later I received an {$800.00} refund from Citibank for which I was extremely happy about. Then in   XX/XX/XXXX  a r equest was made from   XXXX   XXXX   branch to have my account closed with no warning or reason. I called them to find out and the same man   XXXX   from   XXXX   XXXX   XXXX   is now branch manager of   XXXX   XXXX   Citibank, and I have never even been to that branch in person, which leads me to believe he ille gally closed my checking account as some sort of personal vendetta ag ainst myself since I had prevailed in the forgery check case from the year prior, which I can not even begin to understand how this man is allowed employment and be able to have such an abuse of power made available to him. I did nothing wrong and have never mistreated anyone at Citibank despite the massive frustrations they have caused me over the years, but this crosses the line and would like to pursue any and available legal recourse against Citibank and   XXXX   XXXX   branch manager  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 2023-06-08
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got my home refinanced by XXXX  XXXX, who sold it to Mr. Cooper ( Nationstar ) I was given payment and account number for my loan for Mr. Cooper ( nationstar ) I set up online bill pay with my bank and send my payment to Mr.Cooper which they received on XXXX XXXX, XXXX. On same day, I received a welcome letter from Mr. Cooper in which the loan/account number was different. 

I have sent proof of my payment from my bank, called them several times, emailed their research department and also to their escalation department however they have no responded even once to my emails and just keep jerking me around since days. 
I paid {$1000.00} to them and need help to resolve this. 
Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
We sold our home on XXXX XX/XX/2023 and had an escrow balance of {$1000.00} after paying off the mortgage. The lender sent the refund to the house we sold! So the check got lost. 

We contacted Freedom mortgage and they said they sent a check to our new address. It did not arrive. We called and they said they had to wait 30 days. No reason given. When it still had not arrived they said they sent another one. Finally, on XXXX XXXX we called and they said since it still wasnt there ( over XXXX months later ) they would overnight it. We called today, XXXX XXXX to tell them it did not arrive and they said it would be here on XXXX days. We asked how an overnight letter can take XXXX days. No answer. 

They gave us a tracking number. When we looked at it, it showed the letter still has not even been sent. 

They are liars and criminals. Had we not paid our mortgage for XXXX months we would have a mound of late fees and penalties as well as probably be looking at foreclosure.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-13
Company: CNG FINANCIAL CORPORATION
State: IL
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:
I bought a used car and was making payments fully paid off the car in XX/XX/2023 And the bank will not send the XXXX to me they even said if I called again they wouldn't send it at all and would block my number

Company response to consumer: Closed with explanation