BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking account and brokerage account through Citibank. In 2020, their brokerage operation requested KYC information twice. I called back after I received a paper letter request ( I was told the issue was new stock purchasing pattern ). I also responded to an emailed request to update my details through Citi 's mobile app. Despite of this, Citi froze my checking account. Relationship manager XXXX XXXX was able to restore my checking access after a couple of days. Later to the surprise of XXXX and myself, Citi 's brokerage operation again froze my checking account. Branch manager XXXX XXXX promised results from internal investigation two months ago, but I have not heard back from since. Two days ago I got a third request from Citi 's brokerage operation for urgent information update, again with the threat of freezing my accounts. 

Repeat information requests and multiple account freezings have taken together almost a full working day of my time. They have also caused delays paying my house building contractors and I had to spend time finding alternative payment methods. It seems to me an overreach for brokerage operation to freeze access to my checking account funds. It may not even be legal.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, 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:
XX/XX/2021 XXXX XXXX  UNAUTORIZED HARD INQUIRY REPORED. XX/XX/2021 XXXX  XXXX XXXX UNAUTHORIZED HARD INQUIRY.

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 2022-04-11
Company: EQUIFAX, INC.
State: GA
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:
Someone has an access on my credit information, and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-17
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage DBA " Mr. Cooper '' has sent me materially wrong statements from XX/XX/XXXX until transfer of servicing XX/XX/XXXX. These statements never reflected the XXXX forbearance program in which they enrolled me. Their customer service department said to ignore the errors in my statements, online, and in their voice response unit. We have made all payments satisfactorily on our mortgage per the contract and modifications. 

When Mr. Cooper sold the servicing of my mortgage XX/XX/XXXX to XXXX XXXX XXXX XXXX " XXXX '', XXXX started foreclosure proceedings stating I was past due for all forbearance payments. The amount demanded is {$60000.00}. 

Furthermore, on XX/XX/XXXX, Mr. Cooper received our signed loan modification agreement after our successful trial payments, and marked it " XXXX passed ''. They then sold our mortgage to XXXX on XX/XX/XXXX, without executing the modification. Their customer service told us that we had to work it out with XXXX and they could not modify the mortgage as agreed. XXXX has charged us the original mortgage amount, term, and payments. 

This has caused us to lose the future value benefit of a XXXX 2.375 % loan modification and caused us to pay approximately {$1500.00} / month more to XXXX. 
I have lost {$320000.00} in future value, and incurred costs of {$360000.00} ( Future value plus market value of a {$450000.00} assumable mortgage for 40 years at 2.375 % APR ; plus my cost to finance the XXXX past due. 

Mr. Cooper has violated truth-in-lending laws, the forbearance contract, and the loan modification agreement, and has failed to transfer the sale of my mortgage, causing great harm. Because of their malfeasance, they have likely inflicted damange on every borrower who went through the forbearance and/or loan modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Someone has an access on my credit information, and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

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 2023-08-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I transferred over the entire balance of my other CC to Citi XXXX XXXX XXXX after an attractive introductory consolidation rate and after having an issue with a returned payment from my XXXX XXXX account, Citi has shut down access to online and app based banking features making visibility into the cards balance as well as ease of access to make payments near impossible. Do to their global team of customer services reps who don't understand or can communicate complex questions or issues in basic English they were of little to no help. After calling 5 times and eventually getting transferred the US based AE at CITI they proceeded to put sole responsibility into the determination of the account into there " Back office operations, ' and when it came to process of filing an internal complaint about the account closure they were only able to give me a XXXX XXXX in South Dakota with XXXX insights into who the make the letter in attention to and how to word or phrase my concerns to be addressed.

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 2020-01-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name. 

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ XXXX- {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have had two consecutive car loans with BMO Harris. Upon final payment of both, I was charged additional fees which totaled more than an additional car payment in order to release the title. The only number for a customer service rep is outside of the U.S. ( sounds like XXXX ). When you insist on talking to BMO Harris directly due to the large discrepancy in the pay-off amount, they tell you that they can not help you and then direct you to call an XXXX number which turns out to be bogus. There is no way to get ahold of the bank directly. They have ripped me off on two loans and I vowed to never do business with them again. Meanwhile, I am reading on the internet that this is happening to a lot of other people. They hold your title hostage until you pay these outrageous fees, when all payments and transactions were made ON TIME via online bank transfers. I have each payment record. There should be no late fees or additional interest, but there is no one to complain to or rectify the situation. BMO Harris is an unethical bank that needs to be stopped IMMEDIATELY. They must be garnering XXXX XXXX XXXX in bogus fees and interest. How are consumers supposed to fight this? Every inquiry leads to a deadend.

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 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
on the beginning of this pandemic, I applied for a job that turned out to be a scam. 
i had a check deposited into my bank of america checking account, and the check was cleared after almost 2 weeks. At this point, i thought i wasn't even employed anymore, so long i had my " boss '' waiting for that check to be cleared. 
turns out one day, after a few errands that we ran, bank of america called saying that it was a fake check, and that I had to return the money to the account, money which i have not benefited from. 

they blocked my account and credit card, and the funds that I had there.

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 2022-03-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On Tuesday, XX/XX/2022. Went intoXXXX XXXX XXXX to send a MoneyGram. Th transaction was sent but I intend to cancel the request. A miscommunication between myself and the staff there to cancel the transaction, in which placed a all t the XXXX number on the document I was unable to reach anyone because the messenger was in XXXX. I never spoke with a human. I then called the store to stop the transaction but by that time the transfer was picked up. When I bspoke again with the staff I was told that nothing could be done. It was hours later, The amount is XXXX and tried to recover it. At this time nothing has been done. I needed the money refunded to me so I can secure it for who it was to go to, please. The scammer out a whole to the reference number and picked up the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX. I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my credit score. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my XXXX XXXX report 5 new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with equifax and XXXX. But I am unable to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. 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 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2020-03-25
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I refinanced my home, the mortgage was sold immediately to Amerihome Mortgage. I received a letter in XX/XX/XXXX from Amerihome stating that I did not have home owners insurance on my property, and they were going to start applying forced insurance to my mortgage if I did not supply them with insurance for my property. I called them immediately and let them know that XXXX, XXXX Home insurance, was my Home owners insurance since I purchased the home in XX/XX/XXXX. They told me that they knew that XXXX was the insurance company on the home but they needed a new Declaration page. So I called XXXX/XXXX  the same day and they sent the Declaration page to Amerihome. I received another letter from Amerihome dated XX/XX/XXXX, that said this was my second and final notice that they were going to start charging me since I did not have insurance. I also received a letter from XXXX saying they had canceled my insurance because Amerihome did not pay them the premium from my escrow account. So I called XXXX/XXXX and they explained to me it had not been paid so I paid them the {$470.00} with my credit card. I called Amerihome again they told me that they had received the information from XXXX but it did not list them as the lien holder, I asked if I had XXXX send them the updated Declaration page would they refund my {$470.00} and they said yes. I called XXXX, and they sent the corrected Declaration page to Amerihome. I called Amerihome to make sure they received it and they said yes, I asked when I would receive my refund and they said a week to 10 days. I waited and never received the refund. I called Amerihome 2 days ago to see what the problem was, I spoke with a customer service agent and explained my problem, she put me on hold for 43 minutes and then hung up on me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has an access on my credit information and is ruining my credit while I was sick. I have no knowledge of what and who this could be.

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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Not my information reporting

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 2023-11-07
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: Credit inquiries on your report that you don't recognize

Complaint:
This is to inform that my credit report has been used inappropriately and this violated my consumer right, this companies violated my consumer right. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-11
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: Personal information incorrect

Complaint:
I have fraudulent inquiries on my credit reports, names and addresses, and a few accounts that dont belong to me and they refuse to delete them

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 2022-02-19
Company: Receivables Management Partners, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$630.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying for the past several days to open an savings CD account with XXXX XXXX XXXX. They have repeatedly refused to allow me to puchase a 12 month CD at their advertised rate, citing " internal controls, '' but providing no specific reason. After numerous telphone conversations, they have maintained that position. I don't know if they are engaged in some kind of bait and switch, or other type of scam, but based on reviews, they appear to be doing this to others too.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This inquiry was not authorized by me and was conducted by that creditor without my consent. It is imperative that you remove it without delay.

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