BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I currently XXXX XXXX XXXX XXXX ( I am a 99 % owner and my co owner has 1 % ). I would like to do an assumption on the building with my co owners agreement and the bank says that my debt to income ratio does not qualify. I had my loan broker run the numbers and he says that it does qualify. The woman who is helping me at the bank is very nice, however i do not believe that she understands the process. She is just keying in numbers that don't add up. I have asked to speak with someone who is more senior in this position to no response. It seems to me that since i qualify for to refinance that I should also qualify for an Assumption. Is it possible that they are doing this to make me pay a higher rate ( my rate now is 3.35 % ) because if I am unable to do an assumption I would have to do a refinance at a much higher rate. 
Please Help

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 2021-12-31
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
At the end of XX/XX/XXXX I opened checking/savings/credit card account with CitiBank. 

The intent was to consolidate multiple accounts into a single account at Citi. 

To maintain CitiGold access I needed a minimum of XXXX in deposits. 

The XXXX was primarily going to come from a roll over 401k. 

On or about XX/XX/XXXX I spoke with XXXX XXXX at Citibank who informed me that Citi did not have the ability to transfer a 401K. 

As I was now unable to maintain the min XXXX balance required for citigold, I started moving approximately $ XXXX to XXXX. 

On or about XX/XX/XXXX Citibank froze my accounts with approximately {$5000.00} remaining. 

I called on XX/XX/XXXX and was told my account had been closed and I should expect the {$5000.00} in about 60 days. I need this money to pay bills. 

I need the {$5000.00} returned to me immediately. 

Thank you.

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 2023-07-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX student loan account was paid in full - NOT included in bankruptcy. I have a {$0.00} balance currently and was never late, yet all three still showed a balance owed and said it was included in bankruptcy. 

I submitted supporting documents from creditor to all three major reporting agencies that state this account was paid in full, yet all added the statement that it was included in my bankruptcy- but it WAS NOT! Ive asked all reporting to Please update my report with {$0.00} balance for this account or remove the misreported account from my credit report entirely. My next steps is to take legal action under FCR act!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-07-29
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX purchased vanilla gift card, loaded XXXX cash on card, for my teenager to use while I was on vacation. 
XX/XX/XXXX discovered card had XXXX of XXXX numbers, card will not work. 
XX/XX/XXXX called XXXX, on hold over XXXX min total, was hung up on XXXX. 
XX/XX/XXXX returned from vacation XX/XX/XXXX called 3 times, finally spoke w/someone. Emailed copy of card and receipts. Told they would mail new card. 
XX/XX/XXXX follow up call, told they are still investigating, will have decision on XX/XX/XXXX XX/XX/XXXX follow up call, asked personal info, told still investigating. I questioned why, when proof of cash purchase and faulty card was provided. Internal investigation needed, and customer compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
The is an auto loan account with XXXX XXXX XXXX, hereafter listed as XXXX, that is showing a 30 day late payment in XXXX of 2021 that should not be reflected as being late. After several attempts to update and filing legal action against XXXX I received a settle confirmation from them that they requested that the information on my account be updated to correctly show, paid in full and never late. They specifically stated the XXXX  2021 30 day late would be requested to be removed/updated to never late and the balance on the account reflecting {$0.00} paid in full. This was nearly 6 months after the account had been paid in full after 3 attempts with TransUnion to have the information updated because they were showing a balance of over {$15000.00} with the 30 day late but they continued to respond verified/accurate. I have attached a copy of the documentation that my attorney provided me from XXXX which I shared with TransUnion. I section 2 of this document you can clearly see the information I referenced. TransUnion not updating this information this information is a direct violation of the FCRA and needs to be addressed 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 2023-07-29
Company: EQUIFAX, 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:
Im asking that these accounts be removed at the earliest convenience because they are weighing in on me getting new lines of credit. These accounts are all closed in good standing. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPARTMENT OF ED , U S DEPARTMENT OF ED .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: AZ
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 writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: VW Credit
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ VW CREDIT INC XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a flight through the Capital One travel portal, using my Capital One Venture X Business Card. 

I booked a " fully refundable '' fare, and I have included the email I got after booking confirming that, as well as the cancellation email confirming that. 

But when I had to cancel the flight, Capital One did not refund me. Instead, they gave me a travel credit that can only be used through the Capital One travel portal, and I have closed my credit card, so there's no way for me to use that. 

I know this is not an issue with the XXXX XXXX -- this is an issue with Capital One, because I have booked a fully refundable ticket directly with XXXX XXXX before, and they do indeed provide a cash refund when you cancel. This is an issue where Capital One is being deceitful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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 XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Capitol One sent collection notices in me the consumer XXXX XXXX in XXXX collection on an allege debt. I am the consumer and original creditor of the debt pursuant to 15 USC 1602g- The term " Creditor '' refers only to a person who both ( 1 ) regularly extends whether in connection with loans, sales of property oar services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a Finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face-off the evidence of indebtedness or, if there is no such indebtedness, by agreement. 



Capitol one sold my private information to a debt XXXX XXXX XXXX XXXX. A third party should not have access to my personal. 

Capitol One you give me the biggest headache thinking about the alleged debt you claim I owed you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : XXXX. A firm offer of credit XXXX. Insurance XXXX. Application for employment XXXX. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, the method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my police report to this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act Convergent accounts In accordance with the Fair Credit Reporting act Convergent accounts, XXXX XXXX XXXX # 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 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 non-monetary relief
Consumer complaint received 2016-01-22
Company: NATIONSTAR MORTGAGE LLC
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My monthly mortgage payment is {$1000.00}. For XXXX 2016, I paid {$1100.00}, an additional {$100.00} to apply to principal. Nationstar applied it to legal fee {$100.00}. When I called them about it, the 1st representative agreed to credit it back to my account. Then I was transferred to another representative who told me that I owe money for bank ruptcy. I do not owe any money for bankruptcy and they have never billed me for any legal fees owed. The problem is whenever I have paid extra money on my mortgage, it gets misapplied and they drum up charges to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Ocwen Financial Corporation
State: FL
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:
First, your questions do not specifically address my issue, but here is the problem I am having with PHH Mortgage, from New Jersey. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 CFPB : re : PHH Mortgage, On XX/XX/2021, PHH Mortgage mailed out a letter to me about some alleged correspondence they claim to have received from me on XX/XX/2021, and used a Reference ID of : InquiryXXXX ( XXXX ). 

I have sent numerous inquiries since, asking that PHH Mortgage send me a copy of what I allegedly sent to them, which prompted their letter of XX/XX/2021. I have asked PHH Mortgage mail me, email me, or fax a copy of my correspondence. To date, the responses have been letters asking that I give them an account number, account holder 's name, address, and other relevant information. I can not give PHH Mortgage anything until they send me a copy of my alleged correspondence so then I can address the situation properly. 

Now to be clear, I DO NOT want PHH Mortgage sending me another canned, irrelevant letter to send something I can not send. I want them to SEND ME a copy of what they claim to have received on XX/XX/2021, which prompted their letter of XX/XX/2021, and had a reference number of InquiryXXXX ( XXXX ). They may mail me, email me, or fax me a copy of this correspondence that they claim I sent to them. 

My mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Email : XXXX Fax : ( XXXX ) XXXX

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

Complaint:
My name is 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