BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been getting the runaround from Selene Finance since XXXX of XXXX. My loan was transferred from XXXX to Selene Finance. I have a previous complaint against Selene : no XXXX. Unfortunately, the issues have not been resolved. On or about XX/XX/XXXX, I received loan modification docs with my Ex-Wife 's name. I sent Selene an email to notify them of the error. They asked that I send them a copy of the quitclaim and divorce decree. I sent it close to 10 times, and they've denied receipt for the past three months. 

I had to file a complaint for them to honor the original modification agreement with XXXX. However, I called today, and they informed me I would have to begin the process over. They did not provide any sound or logical reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See document attached

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 2023-06-14
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid 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 attempted to do a balance transfer from Citibank for approximately {$7000.00} it was never posted to the account and I am being billed for it. I contacted the company in attempt to dispute and they have failed to remedy the situation. XX/XX/2023 for a balance transfer and a fee was also charged on XX/XX/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 explanation
Consumer complaint received 2022-05-02
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Have tried on multiple occasions to close my account, the latest being XXXX XXXX when again I went in personally with the PNC Bank Branch manager and asked the account be closed. I was told it would take XXXX. On XXXX XXXX ( *7 days later ) a charge came in and instead of refusing it, they paid it then charged me for an overdraft and then tacked on the banks monthly account fee XX/XX/XXXX. When I went in today to complain, I was told they should have given me a letter showing the account had been closed. This is the second time I have had serious problems with this bank. They messed up my mortgage so bad it took almost 4 months to straighten it out. This bank needs to be investigated for fraudulent bank practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Their investigation did not fix an error on your report

Complaint:
I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: LA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} 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 explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2022-08-12
Company: EQUIFAX, INC.
State: NJ
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 been disputing charge off accounts on my consumer report that were previously all removed in XXXX or XXXX on XXXX all accounts were removed then added back without explanation I was never notified within 5 days that those accounts were being rescinded back on to my consumer report. once they are deleted they should have never been reinstated back on my consumer report. I am only finding out why those accounts were added back on my report as of Monday XX/XX/XXXX of 2022 because I disputed those accounts again and was just told why it got added back previously as per XXXX  reps.i was told they will not be doing a reinvestigation into this dispute. XXXX told me the credit granters have subsequently certified theses accounts accurate I have requested the methods and documents one verification in which I still have not received any. these accounts need to be removed again immediately as they should have never been reinstated in the first place once removed. I submitted identity theft claims for them to block the information because my information was compromised. 


Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX, EQUIFAX, XXXX have aided this fraud by not properly verifying these accounts. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. again these accounts need to be REMOVED permanently immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I have never been late with XXXX student loan company. 
Acct shows I was late several years ago. XXXX bought account. I've never been late with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear XXXX : I am reaching you about my account at Chase. It was closed because I deposited XXXX checks. XXXX is under my name ( XXXX XXXX XXXX, and XXXX is under my friends name ( XXXX XXXX ). These XXXX checks are issued by the lawyer about the car accident compensation ( which happened XXXX years ago ). And my friend is currently in XXXX and will not be back in the US. So he asked me to deposit the XXXX checks together. 

Now my account is closed. And the XXXX checks were on hold. I called Chase many times about my situation, but they gave me different answers every time. Initially, they said I could reopen my account once they verified the checks. But after that, they refused to call the check maker to verify ( because the number is not verified at their system, but it is on the check I deposited ) and said I could not get back my account. After that, I also went to the branch several times, but they told me they couldnt do anything about it, and asked me to contact the check maker to recall. I contacted my check maker ; they claimed that XXXX checks had already been deposited so they couldnt do anything about them. I feel so lost now and dont know what to do next. 

I understand that there would be some policies of the bank. But this account is the only account that I have in the US, and I already used this account for XXXX years. I have chosenChase ever since I came to the US. I want to reopen it if it's possible. 

And they said the XXXX checks were on hold. But XXXX of the checks is under my name. I wonder if I can get those parts of the money back to me first. And return my friend 's check to the check maker. Otherwise, I dont know where I could find all the money back, and I can not afford it. 

I apologize for the situation ; it is my fault at the beginning. I would really appreciateit if you could help me and give me a clear answer on what I cando about this situation. And I could provide anything ( my and my friend 's ID or check information ) to verify our identities. Wish you have a great day. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have never been late with XXXX student loan company. 
Acct shows I was late several years ago. XXXX bought account. I've never been late with 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 2021-02-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid 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:
On XX/XX/20 an unauthorized purchase was made to my credit card. Upon seeing the charge I made a call to Citi Bank to tell them it was not my charge They cancelled the card ending in XXXX and issued a new card ending in XXXX. They allowed the charge again on the new card and kept allowing charges. 
The company that made the charges XXXX XXXX XXXX XXXX. The thief had my social security number probably due to the XXXX  breach. So Citi Bank determined I must have made the charge. I requested the product description and they refused to provide it, supposedly for privacy purposes. I did not make the purchases and both Citi Bank and the XXXX company refused to find the thief. 
charges XX/XX/20 {$60.00} XX/XX/20 {$180.00} XX/XX/20 XXXX new card XX/XX/20 {$180.00} XX/XX/20 {$12.00} XX/XX/20 {$160.00} XX/XX/20 {$20.00}. 
I filled out every form they sent both in e-mail and USPS. They still made me pay me all the charges. I finally closed the acct. I want my money returned to me and the thief found. I have also spent tons of time and expense returning the forms and many phone calls. 
Transaction Details Transaction Date : XX/XX/20 Transaction Amount : {$180.00} Merchant/Description : XXXX XXXX Dispute Details Dispute Date : XX/XX/20 Dispute Amount : {$180.00} Dispute ID : 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 monetary relief
Consumer complaint received 2019-09-30
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As part of a new home loan a check was sent from a law firm to pay off my loan. The first check cleared the law firms bank on XX/XX/19. I called on three different occasions ( XX/XX/XXXX, XX/XX/XXXX and XXXX ) and was given three different answers. Finally I was told that the payment was sent to the wrong department and they were sending the money back to the law firm which could take up to 3 weeks. The law firm did receive the check back and sent the new check to them again. This new check cleared the law firms bank on XX/XX/19. I have once again called 3 times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and again have been given three different answers. I am now being told it will be posted to my account no later than XXXX and it will be back dated to XX/XX/XXXX. We will see what happens on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not any investigation results.

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 2021-10-19
Company: EQUIFAX, INC.
State: NJ
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:
Contacted creditor at the beginning of the pandemic requesting to change payment date from the seventh to the XXXX. Months later I applied for a mortgage approval that I was approved for {$400000.00}, my lender said that my XXXX balance was a bit higher than expected to be and the car payment amount seem to be high which was reported to be over {$900.00} per month at that point. I called the creditor to fix the situation they said they can not do that. I filed a dispute and the creditor retaliated by putting five late payments on my report. Creditor refuses to stay in compliance with the governor XXXX XXXX executive order in the state of New Jersey that states no creditor or credit reporting agency should report delinquent late payments if the account was not in delinquent status prior to when the pandemic began until 120 days after the state of emergency ends which is XX/XX/2022. This creditor has cost me a mortgage denial of {$400000.00} plus {$3000.00} per month for six consecutive months for an extended stay hotel suite . I am asking the lender to contact there legal department and review the governors executive order in regards to credit reporting and the pandemic that is still in affect and remove the two late payments that they put on there. This is financial abuse to me and my family and I will seek civil action in regards to monetary and credit losses. My credit score went from excellent credit to fair credit which cost me numerous denials based on their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a XXXX XXXX. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have tried several times this year to speak with customer service about incomplete information and confirmation of XXXX application. Also, on the online portal they are claiming I have a duplicate formwhich there is no reference or copy of the original form for XXXX. 

Finally, my college has submitted a form for deferment a month ago and my account has not been updated. I should be in deferment but they are still requesting payment. 

Ive sent messages through their contact portal and it says to expect a return message within XXXX business days and I have yet to hear from someone to correct, confirm, and discuss my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: ROBINHOOD MARKETS INC.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred my account from XXXX to Robinhood by using an ACATS transfer. XXXX charged me a {$75.00} transfer fee. 

This transfer request was submitted to Robinhood on XX/XX/2023. Robinhood clearly states that ACAT transfer fee is reimbursed. On the Robinhood transfer " Terms and Conditions '', I do not see any limitations about reimbursing the transfer fee. Please see the screenshots attached ( 1-3 ). 

The limitation of reimbursing transfer fee was not clearly mention in the transfer request. Had I known of such limitations, I would not have transferred my stocks to Robinhood. 

I talked to numerous Robinhood representative on XX/XX/2023. Until that day, the ACAT transfer has not been completed. The representative I talked to did not mention anything about the ACAT transfer fee reimbursement as well. Please see the screenshots attached ( 7-8 ). 

This seems dishonest disclosure from Robinhood about the ACAT transfer fee. They mention the transfer fee on this link : https : //robinhood.com/us/en/support/articles/transfer-your-assets-in/ However, that link is not public and could not be viewed properly without having a Robinhood Account. Please see the screenshots attached ( 5-6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRUIST FINANCIAL CORPORATION
State: TN
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 notice a 30 day late on my sheffield financial corp account which I never been late on and did a dispute this error 3 times and the 1st time It was remove and and then later maybe a few days after it was place back on my credit report 30 days late and pushed back to XXXX showing late but clearly was paid! please remove this item off my credit report because its violates the fair credit reporting act.

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