BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I submitted an application for the Citi XXXX XXXX, but it was rejected due to my XXXX bankruptcy. Seeking assistance, I contacted an application advisor at XXXX. I explained that according to the Fair Credit Reporting Act ( FCRA ), banking institutions can not decline applications based on bankruptcy after 4 years from discharge. The advisor reviewed my credit report, acknowledging that my bankruptcy had been discharged for 4 years, and recommended I reapply after XX/XX/XXXX. They believed there was a good chance for approval since I had built credit post-bankruptcy. Following their guidance, I reapplied on XX/XX/XXXX, only to face the same rejection due to bankruptcy. Frustrated, I contacted another application advisor that same day. This advisor contradicted the previous information, stating that bankruptcy could still be a reason for denial for up to 7 years. I contested this, referring to the FCRA. I asked them to reevaluate my application, prompting them to escalate the matter to the ER department for review. They assured me of a response within 15 days.

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 2019-07-05
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I never ask for loans I been getting mail from banks and other financial agencies approved lain letters Nd checks. How can I stop that. I am retired and on social security. Please stop these agency to lure people to sign that. This predatory lending and misleading marketing. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2022-02-02
Company: Monterey Financial Services LLC
State: NC
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 an identity theft victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2023, I wrote to my mortgage servicer ( RLMS ) the following on their website ( https : //myrushmoreloan.com ) : Why does this site make no mention of an XX/XX/XXXX letter reassigning my loan to a different servicer in XXXX? Is the letter a fraud? Should I contact the FBI? Would it be 18 US Code 1343 or 371 or 63? Should I start a new CFPB complaint? https : //www.consumerfinance.gov/complaint/ On XXXX XX/XX/2023, RLMS responded on the above website message center : " Thank you for bringing this matter to our attention, we sincerely apologize for any inconvenience this may have caused. Please not [ sic ] the loan servicing transfers are a normal part of the servicing industry, this is not fraud and the terms of the loan are not impacted. '' I wrote on XXXX XX/XX/2023 in the same online message center : This response is too vague to answer my concerns.

Specifically : 1. Did RLMS send me a NOTICE OF ASSIGNMENT on XXXX XX/XX/2023, and Is my new loan number : XXXX? 
2. Is my new website : www.rushmoreservicing.com/welcome? 
3. Do I need to re-register for auto-payment withdrawals at : www.rushmoreservicing.com/welcome?

4. Is my new servicer address : Rushmore Servicing Attention Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX? 

cc : Consumer Finance Protection Bureau XXXX XXXX, Attorney General of California https : //oag.ca.gov/contact/consumer-complaint-against-business-or-company On XXXX XX/XX/2023, I received an email from RLMS : " Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Your Message Center response is now available.Login to your account on MyRushmoreLoan.com to view your reply. '' When I attempted today to login in order to read the RLMS response, their website crashed : " We are currently experiencing technical issues at this time. Please try again later. We apologize for the inconvenience. '' At this point ( A ) I do not know where to forward my mortgage payments, ( B ) I do not know what the new servicer website is, and ( C ) I do not know if my auto-payment will transfer to the new servicer. 

I also know that my home is worth far more than the remaining balance, and RLMS would benefit greatly by creating confusion, blaming the confusion on me, and then moving to foreclose on my home based on the confusion that RLMS cynically caused itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: SYNCHRONY FINANCIAL
State: CA
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:
I applied for an XXXX XXXX online and I received an e mail asking me to provide my personal information so they could tell me if my application for this credit card was approved or not. I fell for this scam e mail and I gave this hacker my social security number, my zip code and my birth date. There has been no fraudulent activity on my accounts as of yet, but I'm sure there will be soon as this hacker now has the last XXXX digits of my social security number as well as my birth date. This is why I am reporting this. Thank you and I hope you can 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 2021-04-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Over a period of several months I have tried to resolve a dispute with Wells Fargo credit card department about a dispute I made last year 2020 for {$110.00} on XX/XX/2020. I have been given the run around and told to send a written letter for a second time to reopen dispute and got same answer declined without an explanation. I want my dispute resolved and for Wells Fargo to solve my dispute without wasting my time and not really investigating the issue and violating my rights as a consumer.

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 2021-12-21
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
when i checked my mail i received a prepaid net spend card on the XX/XX/XXXX and at this time i was doing training for a company so i thought it was from the company but i looked at the papers it said the card was i guessed printed to me on XX/XX/12 but i want to know why net spend has my info?, i already closed my account but i was wondering what can i do to stop this because i dont want my financial info being messed up.

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 2022-06-15
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist Mortgage is holding my escrow money hostage! I closed on the sale of my condo XX/XX/22. They said they sent the first check on XX/XX/22 to my old address ( the one I sold ). I should have gotten it before I moved. Then, I called on XX/XX/22 and they reissued a new one to my new address on the XX/XX/22 and I havent received it. Neither check has ever arrived. I have, however, received information on the close of my loan that was forwarded from the old address, so forwarding is working. I called again today XX/XX/22. They tell me that they cant ACH. They cant XXXX. Every time a check is issued, I have to wait 30 days after the issue date to void and reissue. Then, I have to wait up to 9 business days for the reissue and then it gets mailed via USPS again. It is an endless loop of the same process. It has been XXXX days since I closed my loan. This is dangerously fraudulent. It appears as if they are using people 's escrow money to manage their cash flow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 for XXXX XXXX  ( I was going XXXX XXXX XXXX XXXX  on all the medications my XXXX XXXX XXXX XXXX XXXX XXXX had prescribed ). My family doctor called ahead to the XXXX to advise I needed an XXXX XXXX XXXX Upon arrival, I was assessed by a XXXX XXXX ( elapsed time : 3 minutes ) who obviously concurred with my XXXX XXXX XXXX and I was then put on a waiting list. During this 3-minute assessment, I also had my XXXX XXXX XXXX XXXX XXXX 
After over 5 hours of waiting ( XXXX XXXX XXXX XXXX ), I left- without receiving any treatment. The hospital then, in my opinion, fraudulently proceeded to charge my insurance over {$1100.00}. These charges were line-itemized for XXXX  and testing ( total {$190.00} ) and XXXX XXXX XXXX XXXX '' which amounted to an astonishing {$930.00}! {$930.00} to WAIT in the waiting room!! 
I contacted the hospital to dispute this line-item charge and was told that the charge was reviewed by their board. I came to find out that the " board '' was a group of paid hospital employees! Isn't that the legal definition of duress? A 2nd review was performed by an outside agency, again PAID by the HOSPITAL. Obviously this process lacks valid objectivity. The hospital withdrew from communication through the XXXX XXXX XXXX 
XXXX paid their portion of the fraudulent {$930.00} line-item and left me with a balance of {$250.00} which the hospital sent to a debt-collection agency, National Recovery. I told National that the charges are dishonest but they continue to harass 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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Debts result of ID theft, account takeover fraud etc-see links below ( court order, local police, FTC, iC3, etc included in links below for your verification-zip file too large for attachment ) https : XXXXXXXX XXXX XXXX XXXX XXXX? XXXX please delete lines immediately-waiting for months-accurate history needs to be moved to new credit profile granted for XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-22
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:
A collection was placed on my Transunion credit file on XX/XX/2019. Upon reviewing the item on my credit file, I immediately responded with a challenge letter, requesting any additional information on the account. After several letters, the account was deleted then reinserted about a month later without properly notifying me. Blatantly violating the Fair Credit Reporting Act which clearly states, the consumer reporting agency is to notify the consumer through a written letter within five business days after the determination is made. A violation which carries the fine of up to a thousand dollars. 
However during an investigation of my own, I was able to contact the alleged seller of this account. 
Along with this correspondence, I have attached an Email from a representative at the XXXX apartments in XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Phone number ( XXXX ) XXXX. The gentleman was unable to verify any claims that I signed a lease agreement with the apartment complex in question. 
Furthermore, despite numerous requests, Transunion has failed to show any details of their so called reinvestigation, age of the source of this debt, details of any breakdowns regarding interests and fees. According to the FCRA, Transunion is in direct violation of my rights as a consumer. And I am exercising my rights by requesting legal action in order to immediately remove this item from my credit file. 
Lastly, I would like to take this opportunity to remind this consumer reporting agency that they are not above the law. And they are here to serve the people legally and honestly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For last 3 years i have been contacting XXXX XXXX XXXX XXXX XXXX to stop reporting on a closed account and the account is not my account to delete off my credit file i owe nothing to this bank they keep updating inaccurate information which continues to cause harm to 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: DISCOVER BANK
State: OH
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:
I bought the XXXX XXXX and it didn't work on my tv. I asked for a refund and I'm having a hard time getting a refund. Please help. There's 3 people involved in this complaint : 1. 
XXXX the company that sold me the device XXXX, 2. The United States Postal Service that could supply a tracking number for my return to XXXX XXXX and 3. Discover credit card that i used to purchase the device XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CBC Companies, Inc.
State: GA
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 submitting this complaint to INNOVIS due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: MoneyLion Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called to close an account and they said it was closed however the account is still open they just removed my access from the account. 
An investment account was opened without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$500.00} from this loan company now they don't took out three payments of {$180.00} my payment should have been over with I didn't pay back a {$540.00} already but be nice to my knowledge I still a little balance of XXXX XXXX payoff amount is {$470.00} call to speak to someone about it only thing they was telling me well you signed the contract that's all I got out of them but they forgot to tell me about the interest loan the interest part of the loan my payments going to interest only it's not going to the loan it's going only to entrance they charging you for interest that's all they doing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX, my father was unable to cash his check because the teller told him she wouldnt have enough money if more people wanted to cash checks on that day. My father was the first customer of the day and could not get all of the funds he requested. On Monday, XX/XX/XXXX I went into the bank to complete a transaction. The bank had signs up stating the maximum that they could give any person requesting money was {$500.00}. The banks rule States that we can withdraw {$5000.00} per month without any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
PayPal Prepaid issued three prepaid cards to a closed account in my name, an open account in my name, and an unauthorized card in my name. I never received two of the three cards. The one I did receive ending in # XXXX I can not use or so says the error message at ATMS that is transaction not authorized. I reported unauthorized transactions on the account at least 10 days ago, made 3 or 4 deposits into the account when I received the card and I am still awaiting the provisional credit. Also, I am the victim of the XXXX  XXXX  XXXX data breach and ALL credit and financial organizations I have account with have received my affidavit of identity, transmissions between the FTC and I and a claim reimbursement form from my insurer, XXXX. This particular company has yet to satisfy the reimbursement notice from 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 2023-08-25
Company: Security Credit Services, LLC
State: IL
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:
On XX/XX/2023 I maiiled a notification to SECURITY CREDIT SERV requesting that they remove an account that is not mine from my XXXX and XXXX report.as it is hurting my credit and preventing me from work opportunities. I explained that I do not and have never had an account with them and that I do not have an agreement or contract with them or their creditor and requested a copy of the original contract.with my signature at the address listed on their posted collection on my credit report. They did not respond or send me a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I finance a XXXX XXXX XXXX with XXXX XXXX XXXX. When I finance the vehicle, I was in the middle of a chapter 13 bankruptcy that discharged in XXXX of XXXX. XXXX approved me for the loan I had an approval from my trustee as well. After financing the vehicle with XXXX, they reported to my credit for a few months. Then I noticed they stopped reporting. I called XXXX to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do auto finance for a living. I have had multiple customers in bankruptcy that were approved by XXXX the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of XXXX XXXX XXXX. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.

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 2021-12-22
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation