BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on a conventional mortgage refinance on XX/XX/2021. Our previous loan servicing company, Dovenmuehle Mortgage, claimed to have processed our escrow account refund ( {$7100.00} ) onXX/XX/2021. We never received the payment and requested it to be re-issued on XX/XX/2021. We were told the re-issued payment would be received within 30 days. We never received the second attempt at payment. 

After approximately two weeks, we were told the check was cut and being sent out and would be received within 5-7 days. No check ever arrived. 

After numerous calls to their customer service department and getting different answers each time, we were finally advised on XX/XX/2021that our original request for re-issuance of the payment on XX/XX/XXXX was still being processed and they had 60 days in which to do so. I asked to speak to a higher level supervisor and was told that request would take 5-7 business days. I was also told all other information provided to me prior to this call was incorrect and they didn't know why I was told what I was told. 

Dovenmuehle refuses to issue the refund in any other manner than a mailed paper check. I asked for proof that a check was even actually mailed initially and they were not able to provide that information, suggesting that it was still only being processed and not sent out after the 20 days required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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:
In XX/XX/2022, all of my debt collection accounts were disputed and removed and my credit usage decreased below 30 % from my Experian credit report. However, my credit score did not increase by much higher points.

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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am reaching out due to an ongoing issue I am having with Bank of America. Ive had a personal account, and I receive my direct deposit from my job directly to this account. However, when I tried to log in to my online banking I received and error message. When I called customer service, after spending almost 30 minutes being passed around the phone, they advised my account is being closed and they could not give me any information. The communication from the bank has not been clear and I have received conflicting information. I feel misled, taken advantage of and pushed to the side. This is unfair as the funds from my job are what I use to support my family. I tried explaining this to no avail.

The way Ive been unfairly treated by Bank of America is completely unacceptable. I received a call from one of their reps advising that someone from the resolution department will call me in 4-5 business days and they provided the number XXXX. Today my direct deposit from my job hit the account but the funds are being held by the bank. I am a father of XXXX small children and the only source of income in my household. These funds are directly from my job with the XXXXXXXX XXXX XXXX and not the first time this direct deposit has been deposited to my account. When I tried calling the number mentioned above no one answers and when I called the bank in regard to the funds the information given is confusing, I am given the run around and they are neglecting my request for proper information. I feel I am being discriminated, not given proper accurate information and just pushed aside when this is a very important matter to me. I need the funds to be released and for them to allow me to access the funds or withdraw from the account. If they choose to close the account after that is fine but I need my hard-earned funds to be released to me 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
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank owes me approximately {$310.00} in rewards. They will only release it via check sent by regular mail, which I never receive. I spent 2 hours on XX/XX/21 w/ Citibank customer service to request that they either credit the rewards to my account ( I don't owe anything at this time ), or send it via 2 day mail so it can be tracked. They refused but could not say why, said only the corporate side knows. They promised on XX/XX/21 to have someone from corporate call in 48 hours, and said they would issue the check via regular mail and I would have it in 7-10 days. It's now been 2 weeks ; no one from corporate called, and I never got the check. I called customer service again today ( XX/XX/21 ) and spent an hour on the phone, & was told by XXXX XXXX XXXX that they don't know why the amount can't be credited to my account or mailed in a trackable way, & said they were stopping payment. I don't know if they reissued. They transferred me to XXXX in the XXXX XXXX unit in XXXX XXXX. He said he did not know why they can't credit the amount to my account or send it in a trackable way, he said I should ask customer service. I told him customer service said they don't know & transferred me to him. I feel like they are hoping I give up and not get the money promised to me. I have had this card for 29 years & it is a recurring problem everytime, and they won't help me resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I mailed letters to Equifax advising them that. As a consumer by law these accounts on this letter must be deleted immediately ''. I only received a response when filing a complaint here, these accounts still have not been removed. I have also previously asked these bureaus to update incorrect addresses and names listed on my report and they have failed to correct this as well. As requested I want these removed now. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to an attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or alleged credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NJ
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:
To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.

Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. 
This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: OH
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX XXXX ( falsified information and dates ) In accordance of the 1681 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 that the information is inaccurate.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

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: EQUIFAX, INC.
State: GA
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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 ) 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 that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been sending out letters out since XX/XX/XXXX. The last letter was sent out on XX/XX/XXXX. I have either not had a response or they tell me they have investigated my issue with the company and then states that it meets FCRA regulations. In my letters I state that a company was reporting inaccurate information on my credit report. It reports different account numbers, date last active, date opened, and also reports past due on accounts that it should not. From my understanding if one company is reporting to the bureaus it should have the sent the same information on all three bureaus. The only thing that was changed was a re aged or update on my account and I was ignored. This situation is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mr. cooper mortgage account states that PMI was due on XX/XX/2021, and my Escrow includes reserves for these payments, but none have been made. Mr. Cooper reports that they do not know why and need to investigate why, meanwhile my PMI appears to be 6 months overdue. While they haven't attempted action against me for this, nor should they as it is the Mortgage company, via escrow, who should be responsible, but I don't want to suddenly discover I'm in trouble because somebody screwed up. Given my prior complaint about Mr. Cooper misappropriating escrow funds, I have low confidence and need to ensure there is some external oversight and record of my attempts to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A very rude man from a company called Midland called me at work ( after he was told not to ) and wouldnt let me speak. I had to hang up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: FL
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 recently pulled my reports and noticed you are reporting the incorrect date of last activity, and incorrect account status for account ( XXXX XXXX- XXXX ). Because the date of last activity, and account status being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board.This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
good morning, i am file this complaint because the PayPal company it looks like scammer company. 
they close my account after i received {$1300.00} in my account. 
They told me after 180 days i can withdrawn my money and i will received a notification by email. 

200 days passed and PayPal sent me the email for withdrawn my money to my email but they still blocked me and they dont want help me to withdraw my fund. 

i called many time and they said PayPal don't have any time when the money is going to be available. 
i said i was waiting for 200 days and you sent the email. 
that mean PayPal do not respect their own Polices. 

my email is XXXX. 

cfpb can see my proof, i m really sure that im not the only Person with this problem. 

Many scammer company like that are now close, i hope my complaint can be help to alert about PayPal is not making legal things. 

other important thing is i don't have any dispute or chargeback. 
i m never been associate with any Fraud activity. 

I M frustrate with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: OH
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:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 explanation
Consumer complaint received 2023-09-28
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express Virtual Reward Card in amount of {$29.00} which supposedly can be used with any merchant but no matter how many times I try to use it less than the value, it is still getting declined. The only transaction going thru is the security charges which doesn't mean anything to me. I am getting tired to trying to use this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23
Company: Novad Management Consulting LLC
State: AL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Complaining about the house on XXXX XXXX XXXX XXXX Alabama XXXX the reverse mortgage NOVAD has refused to issue the money to repair the roof that was damage last year storm the insurance sent a check with MS XXXX XXXX and NOVAD name on the check therefore MS XXXX was unable to cash the check the check was sent back to NOVAD so they would remove their name NOVAD from the check this was not done Presently the house is leaking each rain fall the insurance can not do anything because they already issue a check and NOVAD is holding the check claim number XXXX XXXX XXXX is the owner the insurance is XXXX contact person XXXX XXXX phone XXXX this is an EMERGENCY please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent a dispute letter to the three credit bureaus ( Transunion, XXXX, XXXX ) XXXX & XXXX  has not responded My 1st dispute letter was sent XX/XX/20 They still have not removed nor responded to the items I have asked to be removed off my credit report.

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 2022-06-19
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:
I noticed a credit card account on my credit report and two inquiries that does not belong to me : XXXX XXXX... Account Number XXXX Date Account Was Opened XX/XX/XXXX I noticed two unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX... Unauthorized Inquiry ... 1XX/XX/XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief