BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-01
Company: CITIBANK, N.A.
State: CA
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 ordered a Product online, in the delivery instructions I put " I have a gated property call me to open the gate do not leave on street. Those instructions were not followed and they left the product on a busy main street and the product was stolen. Ive filled a police report and sent it to them but they are not removing the charge from my account. It was {$1900.00} basketball court that was just left on the busy street side walk outside of my property line and gate and I was never notified that the item was delivered.

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: TRUIST FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I applied for a Truist Checking Account in XX/XX/XXXX. I was targeted for a promotion for {$300.00} usd for new customer. I followed all instructions, setup my direct deposit and everything. I never got my {$300.00} deposited in my account? I am very upset with this. Very misleading promotion. Promo code applied : 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 2024-01-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX we paid {$3100.00} for property taxes on the property in question. This in fact was an extra payment by our mistake because the mortgage company is supposed to pay property taxes by contractual obligation since the mortgage opening. We called several times to ask for a refund of our payment. The representatives asked for more time and proof of this extra payment. We send the proof and waited for another month and a half. 
Finally, today, after I called XXXX they explained that they are returning only one third of our extra payment and the rest was applied to escrow. because of increase of insurance premium. 
This in fact is inaccurate because our insurance premium increased by {$75.00} since XXXX XXXX  and we have been paying this difference ( even a bit higher- {$76.00} ) since then. Previous monthly payment was {$660.00}, which in XX/XX/XXXX was raised to {$740.00} - exactly the difference between old and new insurance premiums. 
We have been paying our monthly mortgage dues on a regular basis, never missed a payment! Grabbing to some extra payment, we send by mistake, does not constitute a legitimate transaction. We need full refund ASAP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company " CREDIT CONTROL SERVICE '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Freedom Mortgage told us it would take XXXX days to close on an assumable loan. Its been XXXX days. They sent off paperwork to our title company, but when the title company reached out for clarification on the paperwork, Freedom Mortgage did not respond. This has been the case from day XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The seller has agreed & signed a contract that expires XX/XX/XXXX. We could lose out on this house because of Freedom Mortgages negligence resulting in the seller losing confidence this will actually happen. Please help us.

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 2023-12-11
Company: Comerica
State: PA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX XXXX is XXXX XXXX XXXX. he receives social security from his deceased mother he is an XXXX. I checked his social security and XXXX dollars was missing. I checked the statements and it it so obvious it is fraud. there are sometimes up to 20 transactions a day for anywhere from XXXX cent to XXXX dollars. the purchases are from all over the country and all over the world. Direct express only returned XXXX. I am seeking an additional XXXX. if you google direct express you will see that they have had several lawsuits and 1000s of claims on losing funds. they are known to do this. they have a terrible reputation. This is government money that is going to an orphan is there a sadder statement? please help me to return those funds to this great XXXX  man.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-28
Company: CCS Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I switched with someone else and had coverage at the time due to XXXX having ridiculous prices. I tried cancelling but XXXX refused to work with me I do not owe the XXXX they say I do. If I need to file a law suit I will be getting my attorney.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28
Company: Monterey Financial Services LLC
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 am writing to file a formal complaint against the XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and MONTEREY COLLECTION SEVICE ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, Date Last Reported and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications.

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues.

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA.

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06
Company: MoneyLion Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My money XXXX  account was locked on XX/XX/XXXX and I was asked to provide documents to verify my account randomly. I did so immediately on XX/XX/XXXX. I was told it would take XXXX to XXXX business days I have yet to be able to access my account and customer support doesnt give me any answers to whats going on, I have pending deposits into this account and if they get rejected that will be a very big issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My name is XXXX XXXX, my XXXX XXXX XXXX, was paid off in XXXX, I have called many times to have the lien released, I never received a title, and they refuse to resend it. When I go to the dmv, the car still shows as Hyundai motor finance owning. This car is 100 % paid off. Theyve confirmed it again and again and I never receive any documents I need to either get my title or lien release. This is fraudulent and causing me hardship. VIN 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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have sent multiple disputes to your respective bureaus regarding inaccurate information on my credit report. I meticulously detailed the accounts in question, highlighting the blatant violations against my consumer report. Despite the legal requirement of a response within 60 days, your bureaus have failed to address these issues adequately. 

For your reference, I am attaching copies of all the letters previously submitted. The lack of action on your part is unacceptable and a clear violation of consumer rights. It is now imperative that you rectify these inaccuracies promptly. 

I expect an immediate and comprehensive response to the concerns raised in my previous communications. Failure to address these issues will leave me with no choice but to escalate this matter further, seeking legal remedies for the damages caused to my creditworthiness. 

Time is of the essence, and I trust you will handle this matter with the urgency it deserves.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information ( XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX -Transunion XXXX. Unfortunately, despite filing my initial dispute last Month and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX, 2023 I received a notice from Wells Fargo. An unauthorized XXXX XXXX program was added to my account. The letter asked me to call and file a complaint if I didnt sign up. I called mid XXXX and was told I would receive a low payout ( that I didnt agree to ). I agreed to the maximum payout because of the fraud. I was then told that I would need to appeal it if I didnt agree to the said amount. Please help escalate this. 


Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : 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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-03
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: Store credit 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:
An online order was placed on Macys.com using my macys credit card on XX/XX/XXXX. Delivery shows as delivered vis XXXX XXXX XXXXXX/XX/XXXX, USPS XX/XX/XXXX, XXXX XX/XX/XXXX says delivered @ mailbox when no mailbox is in front of the home, they are community mailboxes, XXXX XXXXXX/XX/XXXX, and XXXX but there is no longer tracking available for that. I contacted the Macys online order department and filed a claim explaining the packages were never received and the two items that needed to be picked up at the store were never picked up since they were no longer available. The claim was put in on XX/XX/XXXX, then the claim was denied with no reason given after that I spoke to multiple different people with multiple different departments and the claim kept getting denied, I was told to file a police report which I did and even emailed it to them and still they denied basically saying I still owe the {$400.00}, one explanation I got was that my name was linked to multiple macys online accounts, a long time ago I had a Macys card that was linked to an XXXX email which hasnt been used and then an XXXXXXXX XXXX both those accounts have been deleted but to them it doesnt matter as long as they have a reason to deny, it seems to me they really dont care about their customers at this point. Today XX/XX/XXXX when I called they said to file a claim unfortunately thats not possible because its been more than 60 days and Ive been trying to resolve this with Macys.

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 2023-12-11
Company: EdFinancial Services
State: IL
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:
The StudentAid.gov encouraged loan consolidation as a way to reduce the monthly payment. This information was bad and incorrect information. The best thing to do would have been a double consolidation loan which is a process that is currently allowed. This would have made my parent loans eligible for the SAVE program. This is a well known loophole that is currently allowed by the government but the loophole will be closed in XXXX. 

Everything I have read says that I can not unconsolidate my loans as they were completed on XX/XX/XXXX. I am upset that the guidance provided by studentaid.gov to consolidate my loan online was the worst advice. 

People who are not in-the-know are going to suffer and this means people who are in the most need for the SAVE program. Please help me to unconsolidate my loans so I can take advantage of the double consolidation loophole that is currently allowed.

Company response to consumer: Untimely response