BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
1st Contact : Called Citibank IRA to initiate IRA rollover of {$3900.00} to another institution ( XXXX ) where my XXXX IRA is held. Initial contact was on XX/XX/XXXX. Documents emailed to me same day and filled out in order the begin the conversion process. Mailed out as directed- I was told to wait XXXX business days. Received no follow up on status. 

2nd Contact : I called back in the beginning of XX/XX/XXXX to follow up and was told that documents were missing, and I need to fill out and another form regarding a name change. Mailed docs to them as directed yet received no follow up on status. 

3rd Contact : Called back to follow up on XX/XX/XXXX - spoke with agent XXXX. She told me I need to fill out and send in these forms... again! via mail.

I'm being severely inconvenienced because it took almost XXXX months to simply initiate a basic rollover. This is the only organization I've had this problem with. It seems my simple request is being mismanaged or mishandled and they make it hard for customers to retrieve their funds. Their process is incredibly inefficient and inconveniences me as a customer. I should not have to jump through hoops continuously- on my dime- to get access to my retirement funds. They need to work on creating a more seamless customer centric process. Also, this organization should have better customer outreach and follow up for if they need additional info in order to move forward with requests. Neglecting to do so shows bad faith, poor company ethics, as well as general reluctance to disburse funds as requested. It seems they make this process difficult in order to hoard funds. This process is negatively impacting me and I'm requesting immediate resolution.

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 2024-01-19
Company: Lockhart, Morris & Montgomery 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:
XXXX, XXXX XXXX XXXXXXXX, DELAWARE CO DRS, XXXX XXXX XXXX XXXX, LOCKHART, MORRIS & MONTGOReporting Transaction history is illegalaccording to 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report VIOLATION OF 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

AND Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
Some guy pulled into my driveway and tried to take my car while I was still in it.. 

I noticed that there was some guy lurking in the back of my driveway, because I heard the door close. The drive way is wrap around so, as I ran out to confront him trying back into the entrance of the wrap around drive way.. so I got in the car. As he backed up to block me in, so as to attempt to hitch the vehicle ( 1 that I'm still in at this point, might I add ) rolled my window down and asked him not to block my driveway yet he proceeded to do so, then he put the forks under the tires and began lifting. So, I proceeded to drive off the forks, at which point he still tried to block me in the driveway and I had to drive thru the neighbors yard to evade him.

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 2023-11-29
Company: ARVEST BANK GROUP, INC.
State: MD
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Problem with customer service

Complaint:
Arvest Bank and its subsidiaries have been noticed at least five times starting in XXXX to verify a debt they claim I owe. I have sent certified mail request to Arvest Bank to verify the debt. We sent requests to see the actual assignments with the signatures of the transfer and the accounting of the consideration given for the supposed assignments for the Promissory Note and Deed of Trust ( DOT ). We asked for a certified under penalty of perjury copy of the wet ink signature promissory note front and back which has not been provided. The bank states they are the secured party and holder in due course of the Instruments without providing proof. 
As of XX/XX/XXXX Arvest Bank has sent a copy of the DOT and a copy of the Promissory Note ( without wet ink signature ) stating that the Instruments say they are the secured party. Neither copy of the documents memorialize its transfer to anyone. I have communicated numerous times the deed of trust is unsecured because they can not produce the Original Promissory Note with the assignments or allonges. In two of the letters, the Arvest representative said they have the original documents and if we wanted to inspect them, we needed to travel from XXXX  to XXXX  to inspect them. 
Since XXXX we have asked for the identity of the owner of the Note, Arvest Bank finally disclosed on XX/XX/XXXX the private lender/owner of the loan. XXXX pass thru mortgage-backed security XXXX XXXX ( XXXX ). After researching the Trust and reading the pooling and servicing agreement, Arvest Bank cant have the original documents because the pooling and servicing agreement states Mortgage servicers do not have the original documents. Additionally, when researching the Trust our mortgage and note was terminated/written off in XXXX of XXXX. They have been collecting payments for 4 years on a written off mortgage. They have not replied to our discovery. I sent Arvest Bank proof of claim from XXXX website, the custodian of the Trust ( XXXX XXXX XXXX. ). 
Another issue I have uncovered is the lender on our Note and Deed of Trust is listed incorrectly which makes the Note and DOT unenforceable due to flaws. There have been numerous irregularities and errors with our XXXX mortgage transaction. 
Arvest Bank has initiated Foreclosure proceeding when they have no beneficial interest in an unenforceable terminated ( written off by the Trust ) Note and DOT. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: FC HoldCo LLC
State: CA
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 making a CFPB complaint against XXXX XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX XXXX reported a charge off as a major derogatory mark on my credit report to XXXX in the amount of {$290.00}. Per IRS Publication 4681, Charge offs on credit report are certificates of indebtedness which becomes income and income can not be reported to your credit report. Prior correspondence was sent regarding the issue on XX/XX/XXXX to the Chief Finance Officer of XXXX XXXX XXXX, XXXX XXXX. 

I am making a CFPB complaint against XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX reported a major derogatory mark on my credit report to XXXX in the amount of {$1100.00}. Prior correspondence was sent to the company on XX/XX/XXXX where I exercised my right to opt out per 15 USC 6805. 

I am also making a complaint against Flagship Credit Acceptance and all 3 credit reporting bureaus regarding pure accuracy reporting per 15 USC 1681. As of XX/XX/XXXX, the payment reflection on the report is inconsistent for all 3 reporting credit bureaus. Prior correspondence was sent on XX/XX/XXXX to the CEO of the company regarding the issue.

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: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I was told I needed to show proof of insurance or they were going to charge me for what they called hazard. I received a letter after sending them a fax showing that I had insurance and also had my insurance company contact them to let them know that I had insurance covering my house and it has never lapsed. I received a letter dated XX/XX/XXXX regarding Hazard insurance and it said they cancel the insurance effective XX/XX/XXXX. Now on my statements they're charging me {$190.00}. This charge is dated on 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 2024-01-25
Company: Cascade Capital, LLC
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:
How did you get my information and why are you selling it youre going to be implemented in federal suit Ive never done business with Cascade Capital funding and youve sold my information to your affiliated XXXX XXXX and XXXX down me my written consent that you have being that youre profiting off of my Hippa information causing harm and deceptive and misleading practices where did up get my information and why do you have it whats the address to your legal department Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector. An account was assigned to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX by our client, Cascade Capital Funding, in the name of XXXX XXXX. On XX/XX/XXXX, we mailed a letter to XXXX XXXX which contained a validation notice to the address of record. ( Note : The address of record is the same address listed by the consumer on this complaint -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX. ) This letter was not returned as undeliverable. On XX/XX/XXXX, the account was closed and returned to Cascade Capital Funding. Also, on XX/XX/XXXX, we requested the credit reporting agencies to delete the XXXX XXXX XXXX XXXX XXXX XXXX tradeline related to the Cascade Capital Funding account from XXXX XXXX credit bureau report. Should anything further be required, please do not hesitate to contact XXXX XXXXXXXX our XXXX  XXXX XXXXXXXX, at 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 2024-01-26
Company: CORELOGIC INC
State: NJ
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:
Opt out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Opt Out of Credit Reporting Agencies Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally opt-out of my personal information from certain credit reporting agencies, as permitted under the Fair Credit Reporting Act ( FCRA ). Please process my request to opt-out of the following agencies : * CoreLogic * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per the FCRA as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten verbal and nonverbal per 15 USC I am exercising my rights under the FCRA, Section 604, which allows consumers to opt-out of the inclusion of their information in lists provided by credit reporting agencies for offers of credit or insurance that are not initiated by the consumer. I understand that by opting out, I may reduce the number of unsolicited credit and insurance offers I receive.

Please ensure that my request is promptly and accurately processed, and that my information is excluded from any lists provided by the mentioned credit reporting agencies for the purposes outlined above. 

For your reference, my personal information is as follows : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] Social Security Number : [ XXXX ] I appreciate your prompt attention to this matter. If there are any additional steps required on my part or if you need further information, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 
Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: Netspend Corporation
State: AZ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Someone is fraudulently using my information for netspend, I have not been able to access netspend cards for over 6 months. Refuse to close or give me information.

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 2024-01-28
Company: CITIBANK, N.A.
State: FL
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:
The credit card company refuses to request written proof from the merchant, showing that I allowed them to charge my credit card a second time for {$2800.00} and a third time for {$400.00}. Their argument is that I provided my credit card number over the phone on XX/XX/23, ONLY allowing them to charge {$3700.00}.

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 2024-01-28
Company: Shellpoint Partners, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2023 certified mail # XXXX. Requesting all documents/ agreements and or contracts between myself and or Shell Point . An affidavit of Truth stating they were that they were including a copy of the promissory note. All statements and documents needed to be notarized under oath. 
I have stated I have never entered into a contract/ agreement with this company nor have I ever heard of this company. Valid Proof of fiduciary agreement between myself and this company. 
included a notice of intent and fee schedule. 
USPS delivered these documents to Shellpoint on XX/XX/2023 at XXXX XXXX I have received the return receipt from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regions bank held my check I Mobile deposit for 10 days the. After the 10 days they claim they needed more time and couldnt verified the check I verified the check from the lawyers office in minutes. I called them on the phone to file a complaint and to release my funds after about 3 weeks they did with a letter that I still have 1. I had checks and payments out buy the time they unfreeze my account I had over drafts and mind i regions falsely advertised that they give a {$100.00} overdraft cushion 2. I went in the bank with all my documents and they saw the check was good and I explain to the bank manager that because they freeze my account payments went through and no money was present to this day I have not gotten my over {$200.00} in overdraft fees replace 3. Because they overdraft my account when I gave them a verified check and all documents 4. The bank claim because I used their mobile deposit thats why my check was flagged thats crazy regions bank made the app for mobile deposits not the consumer. So we are getting punished for an app regions bank made 5. I have never had any issues of fraud or anything to my account so this is kinda strange that all of a sudden every check I put in there has a 10 day hold and so forth 6. Now its been over a month and my fees have not been replace. They took their fees causing my account to over draft when they knew good and well the check was good

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: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
REMOVVE UNAUTHORIZED INQUIRIES!

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 2023-12-30
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I changed the pmt date on the app. Made my pmt. The next month there's a late fee. I explained what I did to them and why was a late fee there. It didn't take he said. So I agree to pay it but there would be another added and I would still have to pay both. But they could take it off on the full balance but I still have to pay it. I said this wasn't my fault but I will pay one fee they said bc of the date I have to pay XXXX. I can't afford that okay but we can't change it. I said I can't so please close it today they called me anyway we went through the same conversation and he said they are adding another late fee. AND REPORTING XXXX MONTHS LATE ON MY CREDIT. This is not right. There is no third party here and I authorize you yo please investigate this fully and not just take what they say to ne true when they respond. Thank you so much.

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: AL
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 correct the following information which is incorrect credit bureauhas on file : XXXX XXXX XXXX XXXX XXXX {$32.00} Paid in full. Closed XXXX  XXXX {$4900.00} is incorrect. The correct Balance is {$2000.00}. 
XXXX XXXX XXXX credit is {$0.00} Balance. 
Address : I XXXX XXXX XXXX XXXX, AL XXXX is incorrect. This not my correct Address XXXX XXXX XXXX : {$35000.00}

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 explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NV
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:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 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. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed 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 explanation