BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-31
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Application # XXXX On XX/XX/XXXX, I was having issues getting my information to process on the website, but it eventually went through. I submitted an application for a pre-qualified amount of {$5000.00}. I called and inquired about this before I applied. I was told as long as the information was the same on my report from the pre-qualify soft pull, when the hard pull is performed that I would most likely be approved. I was denied and I was told by a representative over the phone that it was because of my current credit utilization. I was also told that I had a late payment in the last two years but the reason for the denial was the utilization. Most of my cards had a low or no balance. I feel that the pre-qualification tool was misleading because I know that it uses XXXX and that is the same bureau that was used for the hard inquiry. Nothing on my profile was different or had changed. I later checked again and the pre-qualification offer was still there. In the past, there had been times when I had no offers, so I believed this one to be accurate. I believe the application date was XX/XX/XXXX. I received notices in my online messaging, but am unable to open them. I receive a " technical difficulties '' message. I am still awaiting the decision in writing. 

On a separate occasion, on XX/XX/year>, I received an offer asking me to apply for the XXXX XXXX card. It was supposed to be a soft inquiry. I proceeded to check for an offer. The website said pre-qualify with no impact to your credit. After submitting some information, I was prompted to log into apply since I am a member and I proceeded to do so. I submitted the pre-qualification application and I was charged an inquiry on my XXXX report. I do not know the having to sign in redirected me to a different page, but there was no notice on the page that I was going through a different application process or that be subject to a hard inquiry. If so, I would have proceeded because at the time, I was not confident in applying which is why I chose to check for the pre-qualification. 

When I learned of the inquiry, I contact customer support. I spoke to a representative by the name of XXXX. He advised me that this was an error and he would be submitted. request to the credit department to have the inquiry reviewed and removed. I only noticed it had not been removed when the incident above occurred andI checked my report again. I mentioned it to the agent I spoke with recently about my most recent application and she advised me that she did see the call and gave XXXXXXXX XXXX name.

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 2024-01-23
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I am a XXXX XXXX  service-connected XXXX veteran who's XXXX 
XX/XX/XXXX : I called to request a mortgage assistance application. I called Loancare and spoke to a representative explaining my current financial situation was a financial hardship due to an emergency XXXX XXXXXXXX, and adjusting to life after a divorce. The representative stated I qualified for deferment and forbearance. The representative explained to me that the company was supposed to allow me to resume the same payments from my previous COVID financial issues. Instead, I was forced to pay more than my original mortgage payment ( {$2100.00} at XXXX interest rates ) but now it's ( {$2500.00} at XXXX interest rates ). The representative stated she would send the application to me in the mail. I did not receive the application until late XX/XX/XXXX. 
I tried to make a partial payment but the Loancare system doesn't even allow for partial payments. 

On XX/XX/XXXX : I emailed a Mortgage Assistance application form they are attached below : XXXX pages of the mortgage application, borrow expense form, taxpayer consent form, with the divorce decree, veteran benefit statement, XXXX months of bank statements, and XXXX months of pay stubs. 

On XX/XX/XXXX : I called Loancare to check on the status of the application, the representative stated XXXX boxes weren't checked and a taxpayer consent form was not submitted. 

On XX/XX/XXXX : The document with the missing XXXX checked marks was resubmitted ( attached below ). 

On XX/XX/XXXX : I called to ask for the status of the mortgage assistant application. The representative stated that the application was denied today due to a missing taxpayer consent form. I asked to speak with a mitigation representative then the gentleman disconnected the call in my face. 

There was no email confirmation ever received from Loancare confirming that they received the application. We received negative credit reporting while requesting assistance. 

There's proof of discrimination from this company. This is the third time I have encountered financial issues with this company. This company is trying to XXXX over a veteran that served this country and the freedoms of its citizens.

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 2024-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CREDIT ACCEPTANCE has repeatedly communicated with me both directly and indirectly by duress and coercion. My vehicle was repossessed which they had no right to do as there is no UCC filed meaning no lien is present. Theyve sent multiple correspondence lowering the price in order for them to remove. They went as low as requesting me to pay {$2000.00} and they would delete and remove because they are aware that I truly owe them nothing. The car was paid for at the consummation of the transaction to which I had no awareness. The contract was also subject to arbitration to which CREDIT ACCEPTANCE failed to comply by and illegally and unlawfully repossessed my car and still trying to purchase the debt.

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 2024-01-23
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citi / AAdvantage Platinum Select World Elite Mastercard has misleading benefits. One of the benefits is " First checked bag free on XXXX XXXX domestic itineraries. '' I recently booked a flight on the XXXX XXXX website from XXXX to XXXX. The outgoing flight was an AA plane and I checked a bag. I was not charged for this. 

The return flight, even though I booked on the AA website, meaning it's an AA itinerary, was on XXXX. I was charge {$30.00} each for my and my partner 's first checked bag. The flight was based on an AA itinerary, so I'm not sure why I was charged. 

I called and messaged Citi to get the charges reversed. First I was told that I would get credited after the statement closed. I reached out after statement closing and they told me that my flight had a codeshare agreement with XXXX  and therefore my benefit was not applicable. How am I or any other consumer supposed to know what the benefit actually is? I assumed that by booking on the AA website that my flight was an AA itinerary.

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 2024-01-23
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
This is a follow up to Complaint XXXX I tried to email documents showing proof of XXXX insurance to Shellpoint Mtg but I keep getting undelivered notices. 
I am being charged lender placed insurance for years even tho I have XXXX insurance through my condo assoc. 
XXXX XXXX XXXX XXXX XXXX XXXX  for further insurance info contact XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am formally requesting in writing for you to remove a hard inquiry on my Experian Credit Report. The hard inquiry XXXX was reported on my Experian credit report on XX/XX/XXXX. I never applied for any credit card or any other type of credit with XXXXXXXX XXXX on or around that date ( XX/XX/XXXX ). I did speak to several representatives at XXXX XXXX and they said that Experian needs to remove the Inquiry. When I spoke to Experian, they told me the business ( XXXX XXXX or XXXX ) is the entity that reported the inquiry to them ( Experian ). What is published on the credit report results from information sent over by the credit card companies ; Experian does not arbitrarily add any information on reports - everything originates from the business. After numerous phone calls and several conversations, I had with the representatives from XXXX XXXX, XXXXXXXX XXXX determined that I did not have any information on file with my name, social security number, address and date of birth - applying for a credit card on XX/XX/XXXX. When I initially called on XX/XX/XXXX, the representative at XXXX XXXX told me that someone tried to apply for a credit card using my social security number and that the application was denied due to insufficient data ( information ) -the representative from XXXX XXXX told me it ( removal of inquiry ) would be taken care of but apparently, it was not. The problem is that I am getting conflicting stories regarding how the " inquiry '' landed on my Experian credit report. Neither Experian or XXXX XXXX is being cooperative in trying to help me resolve this matter. Both entities keep blaming each other and I am in the middle getting nowhere. 

Update - When I faxed XXXXXXXX XXXX a letter ( attached ) with the information ( credit report ) they requested- they mailed me a response saying they can not process my request. XXXX XXXX is requesting on their letter that they want my account number- which I do not have since I never applied for credit! It appears that XXXX XXXX is denying the fact that I exist in their credit reporting system and Experian is saying they can't remove the inquiry since XXXX XXXX sent them the information- please help me fix this! The inquiry does not belong 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 explanation
Consumer complaint received 2024-01-23
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I started the process for PMI removal back in XX/XX/XXXX. I called my mortgage loan servicer and confirm they received my written request and they said yes. The check was in the same envelope as the written request as required/instructed by NewRez. Then I called back as I didn't hear back for another 2 weeks and they then said the letter was not here and I had to resubmit - after they told me they had it. Either way, they never informed me of this " missing documentation '' and I assumed after talking to one of their representatives it was all set. I finally got ahold of a manager who said to re-submit to her and she would call me back IF she DIDN '' T receive the email - no call back so once again assumed it was all set. A week later I follow up with this manager to find out that she didn't receive the email but never called me back. I finally scheduled the XXXX on XX/XX/XXXX and was told to give it 5-7 days. I once again never heard from NewRez so I called on XX/XX/XXXX to confirm the results were in. A representative told me that PMI was to be removed starting with the XXXX payment but it was never adjusted. I was advised to pay XXXX to prevent a late charge and that I would be refunded the difference once they payment adjusted. The XXXX payment is showing due and is still not adjusted to my new payment. Now, I receive a letter dated XX/XX/XXXX from NewRez that is telling me I need to pay a XXXX  fee. I was already approved PMI removal by their company, how does their system generate a letter like this? Was the fee I paid not applied correctly? I have called again today and nothing is being resolved. I paid, I qualified, and my payment still has not been adjusted. 

I am told that all calls are recorded so it should be easy to review.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
After contacting Newrez through the consumer portal, Newrez reached out with instructions for removing PMI since I didnt qualify for the XXXX XXXX XXXX automatic removal. 

I paid {$150.00} on XX/XX/XXXX to schedule a XXXX  per the instructions. According to instructions I need to meet or exceed XXXX XXXX XXXX based off current value per the XXXX. 

On XXXX house was inspected and photographed. 

On XX/XX/XXXX I called mortgage company regarding the decision based of current value. House was valued at {$610000.00} and outstanding amount due was XXXX or XXXX XXXX XXXX with meets and exceeds the XXXX XXXX. Newrez refused to remove PMI despite satisfying their conditions. Customer service resubmitted to the paperwork to loan Servicing Department since they didnt not understand why my PMI removal was denied. 

On XX/XX/XXXX I followed up from the XX/XX/XXXX call and they denied the request again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address an important matter concerning inaccuracies in my credit report. Upon reviewing my credit history, I have identified late payments that I believe are inaccurately reported. I am seeking your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully ask that this problem be thoroughly investigated and that the erroneous late payment entries be removed or corrected from my credit record. For me, it is vital that my credit history fairly represents my sense of fiscal responsibility.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-23
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Well over XXXX phone calls in a one month period. Hours were within their normal business hours. I pulled my phone records from my carrier to validate. The calls continued until I asked them to not contact me by phone any further. Absolute insanity.

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 2024-01-23
Company: MIDFIRST BANK
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I attempted to open an account with Vio Bank at www.viobank.com. I received a notice that my account was opened successfully and that two trial deposit amounts would be put into my existing bank account and I needed to confirm the amounts of the small deposits. Nothing was ever deposited into my existing bank account. I contacted Vio Bank customer service on XX/XX/XXXX and was told that my existing bank refused the deposits and that I needed to open a new account at viobank to try again. Customer service said they could not open an account over the phone. I then submitted a second account request and received a notice of adverse action. My husband and I contacted customer service for VioBank again via phone and was told they can not tell me why my second application was denied. They said it was not credit based, but likely something in my application did not match their databases. I do not understand what did not match in XXXX that matched in XXXX. How can I possibly address this without any further information why I'm being denied? This isn't a credit application, this is for me to be able to deposit my money in their bank. This is nonsensical to be denied access to open a deposit account without any explanation or clarity. This process is denying access to the XXXX and anyone who is not clairvoyant.

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 2023-12-14
Company: Experian Information Solutions Inc.
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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural persn and 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 2024-01-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I requested a modification from the loan servicer PHH Mortgage. Loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I was denied because there is too much equity in the home and to contact the investor who is XXXX XXXX. XXXX XXXX was no help they told me I had to submit a letter to the correspondence dept. Myself n my XXXX was affect by the pandemic and XXXX XXXX. Since than my financial situation has changed and Im in a better place to make payments. They are refusing payments they just want a reinstatement amount in full. They are refusing to work with me and they have contacted an attorney to begin foreclosure proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no signed contract with XXXX XXXX XXXX XXXX XXXX XX/XX/23. I have no knowledge of this debt or account. 

I have no signed contract with XXXX XXXX XXXX XXXXXX/XX/23. I have no knowledge of this debt or 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 2023-12-06
Company: Experian Information Solutions Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In acceptance with the Fair Credit Reporting act XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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