BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: INTERCONTINENTAL CAPITAL GROUP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I started communicating with Intercontinental Capital Group ( XXXX ) to apply to refinance my current mortgage. They requested numerous items for the loan which I provided. This went through review and underwriting which required more items which I provided. I've continued to provide all items they've requested. Their closing process has drug out for several months. Due to not closing timely the underwriting surpassed the XXXX snow storm which they said resulted in additional underwriting. This includes obtaining an inspection following originally being told I wouldn't need or have to pay for one ( original CD omits inspection as well ). I've also come across numerous issues with them adding erroneous fees to closing estimates. When questioned they would apologize and remove them. Lately, its been extremely difficult to get them to give me any sort of timeline on when we will close. They consistently go weeks with no progress and then reach out and say all the paystubs and bank statements are outdated and need to be updated. It's ridiculous how long this has taken but now I have sunk costs in the appraisals and time. I just want to close and be done with this company. Can someone at the CFPB help get them to fulfill their end of the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I lost my job during the pandemic and couldnt pay for my studies anymore. 
I created a paypal private fundraiser to receive donations however once I did receive money paypal blocked my account and I couldnt access the funds/ donations. 
I was told that money will be available in 180 days now to my big surprise I logged into my account and found out that paypal STOLE ALL DONATIONS I DID RECEIVE THEY PUT A NOTE THAT I VIOLATE USE POLICY? ARE THEY CRAZY???? 
MY PAYPAL FUNDRAISER WAS APPROVED? WHAT VIOLATION? PAYPAL ARE CRIMINALS THEY MAKE UP THINGS TO STEAL PEOPLE MONEY! 
GIVE ME MY MONEY OR NEXT STEP IS THE FBI!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: PA
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:
For starters this is my second complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. 

I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me.

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 2023-11-03
Company: EQUIFAX, INC.
State: MS
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:
These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, XXXX XXXX, problems in my marriage, and paying higher interest rates for insurance, etc. According to the XXXX XXXX XXXX XXXX XXXX  XXXX- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. I have pointed out discrepancies across all XXXX CRA 's ( INFORMATION IS ATTACHED ) and YET nothing has been done! XXXX is not reporting a Bankruptcy, XXXX and Equifax reporting dates, closing dates, reference number, and name of the court does not match across the board ( I HAVE ATTACHED PROOF ) I DO NOT consent to updating ( you've already stated it was verified and STILL ALL XXXX REPORTING INACCUATELY ) I REQUEST BLOCK/DELETION. No record of this bankruptcy is to be added back ever again. I request that it be removed within the next XXXX business days, and send me an updated consumer report after deleting said bankruptcy. I will SUE IF YOU DO NOT ABIDE BY THE FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date : XXXX XXXX XXXX XXXX owed : XXXX XXXX bank atemping to collect a debt delinquent

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 2022-03-27
Company: EQUIFAX, INC.
State: FL
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:
There are several incorrect accts/ items showing up on my credit report I've reached out to all 3 credit bureaus over that past year trying to get this issue resolved.I even placed fraud alerts on my accounts and I've also sent in my police report to XXXX. I have stated and put in writing that the following items on my credit report do not belong to me and I was a victim of identity theft. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX, XXXX and Equifax. XXXX XXXX ( XXXX and XXXX. XXXX XXXX ( XXXX and Equifax. XXXX XXXX XXXX ( Equifax ) XXXX ( XXXX AND XXXX ) XXXX XXXX XXXX XXXX  ( XXXX and XXXX. I've tried to resolve this issue over and over and nothing is being done. I'd like these items removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I called you exactly on XX/XX/2021, and specifically requested for you to STOP AUTOMATIC DEBIT FROM MY PERSONAL CHECKING ACCOUNT MY MONTHLY MORTGAGE PAYMENT FOR XX/XX/2021. I spoke directly with your customer service number representative. You ( PennyMac ) went ahead and deducted XXXX 's mortgage payment on the XXXX, completely ignoring my customer request. I want the mortgage payment to put back into my checking account immediately along with the over-draft fee of {$32.00} my bank charges my account. This is the second time I have had trouble with you ( PennyMac ). I am reporting your unprofessional and unwanted activities about my account with you to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau as complaints with the way you conduct your business. 
Last month you called me on the XXXX and left a message about my loan payment being late, when it is not late until the XXXX of the month, and now this incident. I do not know why as a holder of my mortgage that you keep bother my account. I believe it is because I am a XXXX woman and a veteran. You advertise as being the best in helping veterans with Home Loan and that is not the truth. I am seeking to find a better mortgage company as soon as possible. I am sick of your harassment of my home loan. I have been a faithful accurate paying customer. I will not accept this type of business conduct from any merchant. I am also notifying the Veterans Administration about your services to VETS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are several incorrect accts/ items showing up on my credit report I've reached out to all 3 credit bureaus over that past year trying to get this issue resolved.I even placed fraud alerts on my accounts and I've also sent in my police report to XXXX. I have stated and put in writing that the following items on my credit report do not belong to me and I was a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX, TransUnion and XXXX. XXXX XXXX ( TransUnion and XXXX. XXXX XXXX  ( XXXX and XXXX. XXXX XXXX XXXX ( XXXX ) XXXX ( TRANSUNION AND XXXX ) XXXX XXXX XXXX XXXX ( TransUnion and XXXX. I've tried to resolve this issue over and over and nothing is being done. I'd like these items removed from my account 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 2022-03-27
Company: Credit Karma, LLC
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i put & XXXX into my XXXX XXXX from my credit karma spend money account. XX/XX/22 is the date of transaction. i have screen shots from XXXX. Credit Karma took the money out i keep up with my money. on XX/XX/22 its on my statement and making my account negative. my card had already been charged. Credit Karma money spend let my account go negative {$970.00}. there is no reason that should have happnend. now nobody from there will return any message from me., i want my money back. i should not have gone negative. please help me. its my bill money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: DISCOVER BANK
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a Home Equity Loan with Discover Home Loans on XX/XX/2023. We have credit cards and bank accounts with Discover and have had a relationship with them for several years so we thought this would be the best decision. We have never had any issues with the service they have provided until now. I have submitted all required documentation and some of the documents that I submitted on XX/XX/2023 are still pending REVIEW! 

I've called Discover a total of 7 times since XX/XX/2023 and this is quite ridiculous at this point. I've spent a total of 62 minutes on the phone with Discover because their portal is not updated with the most recent information based on what the reps have told me. I don't have time to call and sit on the phone. All of the reps that I've spoken with have been so nice and professional but the document collector XXXX XXXX needs to be replaced with someone that's more responsive and efficient for our file. I work in the mortgage industry so I understand how this process goes to a certain extent with needing to have all documents submitted in a timely manner to move the process along. I read that Discover could close in about 4 weeks if the customer stays on top of their to-do items. This seems like it won't happen since XXXX is unresponsive. We just want to tap into our equity to pay off some debt and get some matters in order for our family. Why is this so hard? This seems like the perfect case of disparate treatment and we don't appreciate being put on the back burner because we don't fit the criteria of most people who may be able to obtain and afford a home equity loan. Someone within the company needs to intervene and asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EdFinancial Services
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I went to XXXX schools XXXX  which loan dispensed was roughly XXXX, I went to XXXX which loan dispensed was roughly XXXX. I went to XXXX which loans totaled XXXX. From my understanding we can only take out XXXX in student loans. I consolidated these loans together and somehow somewhere I see my total is XXXX in loans!?! XXXX was paid to EDFinancial and now I still owe XXXX and Im at a loss as to how that is true, when thats the bulk of my loans?! Ive asked for proof and they just said it hasnt all been added yet, youll receive an itemized statement. But I received an itemized statement. The website just says XXXX consolidated loans with no info on the loans that are left, where they originated and how much they were. When I go to the department of education I see the same thing. XXXX consolidated loans, lots of payments but no break down. Ive tried to call but theres a XXXX hour wait. I tried to email and I just got an email back weeks later that said cause thats for the consolidated loans. But XXXX was part of the consolidated loans?!?! It wasnt separate. I responded and they never responded back. While on the phone that day, I set up a Payment plan I was told I only owed XXXX XXXX XXXX a month. I was not told I needed to send in documentation, I was just told I qualified for the XXXX XXXX XXXX  a month. I received an email today stating that due to not providing the required documents I no longer qualified and my payments would be XXXX. I tried to reach out and of course closed and Im sure XXXX  will be a XXXX hour wait on hold. I tried to qualify for help again through the student loan website and I only qualify for a XXXX XXXX  payment! No one is answering my questions, no one is sending me an itemized statement and I cant figure out how I took out XXXX in loans when the limit is XXXX in XXXX! I cant get an itemized statement from anyone to prove I do in fact still owe this much.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-28
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a VA loan with The Money Source. 

They refused to take money or to allow a repayment plan after forbearance u see Cares Act.

We were forced to file bankruptcy to keep home.

Now we have been given GROSSLY INFLATED fees for repayment when the Cares Act and The VA laws DISALLOW ANY FEES BUT ORIGINAL MORTGAGE.

We also have been refused any assistance or a person to assist and have been lied to repeatedly and constantly switched to different agents for three years.! We have also been dual tracked while seeking modification. XXXX has refused to respond to modification requests, they have refused response to ERROR notifications, they refuse to give any direct contact, we have been stone walled as has our lawyer. 

We demand that in bankruptcy they allow a modification since they have acted fraudulently and in bad faith. And that they delete ALL INFLATED FEES AND TEDUCE DEBT TO INLY MORTGAGE PURSUANT TO CARES ACT AND VA RULES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am writing to file a formal complaint against XXXX and Transunion Credit Bureaus, a credit reporting agency that has reported negative and inaccurate accounts information on my credit report. The status of accounts appeared as inaccurate and fraudulent. I believe the accounts information are inaccurate, such as incorrect balance nor wrong account status. I have previously disputed these inaccuracies with the credit reporting agency or the creditor. With that, I am requesting that the credit reporting agency would promptly investigate and removed the inaccurate accountsand personal information on my credit report. Additionally, I request for the removal of negative items that are inaccurate or outdated. I believe that the inaccuracies and negative accounts information on my credit report are causing undue harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The fraudulent accounts are as follows : 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 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 2018-02-16
Company: SYNCHRONY FINANCIAL
State: VA
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:
THIS COMPLAINT WAS FORWARDED TO YOU BY THE OCC BUT CFPB DID NOT RESPOND TO ME. 
JC Penney card was in dispute because they did not apply a credit for returned merchandise. They reported my card as delinquent to credit bureau. On XX/XX/XXXX and XX/XX/XXXX, they credited my account properly and recredit interest accrued. However, they lowered my credit line because of the alleged delinquency and they did not forward me a copy of my corrected credit report. I disputed the line reduction and they did not respond to me except to ask me to complete a new application. 
By my count, there are at least three federal violations of the Truth in Lending Act and the Fair Credit Reporting Act and these are continuing offenses. They should be 1 ) fined for non-compliance 2 ) ordered to repair my credit report and 3 ) restore my 30 year old credit line.

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 2021-03-31
Company: EQUIFAX, INC.
State: PA
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 submitted a dispute to Equifax to remove fraudulent inquiries on my credit profile and they wrote back they these items are not reporting on my profile. I went on both XXXX and XXXX and I see that these items are still reporting on my profile. 

I have attached the response I received from the bureau saying that these inquiries are not reporting to my profile, but they are. I request that they be removed. 

Due to this being my second time reaching out to Equifax to remove these accounts I ask that the CFPB due their due diligence to assist me with the issues at hand. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: CITIBANK, N.A.
State: ME
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of XXXX I received a call from a Citibank representative asking me if I had made some cash withdrawals on my Citi XXXX  card at a XXXX in XXXX Hi. I answered " No ''. She recommended canceling the card and reissued me a new one. When I asked about the fraudulent charges she said that they would be transferred to the new card and after an investigation if it was found that the charges were fraudulent, the withdrawals and any accumulated interest charges would be removed. I was told the investigation could take up to 90 days and that the investigator would get in touch. A month or so later I received a letter from Citibank saying that the investigation was finished and that there was no fraud found because it was determined that my card chip had been present when the withdrawals were made at the XXXX in question and because I had not lost or lent the card to anybody, it was my responsibility. On XX/XX/XXXX I sent a letter disputing their determination and included my banks debit card records showing I was in XXXX at the time of the withdrawals. It has been 6 weeks now since they received the information and as of today I am still being held responsible for the fraudulent activity.

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