BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX requested 5th 3rd bank to perform an appraisal to remove PMI if reduced to 80 % per attached letter XX/XX/XXXX received attached letter stating that the LTV was 76.5 % and did not meet the 75 % Called many times but got the run around XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Called 5th 3rd bank and was told the process had been started to remove my PMI XX/XX/XXXX Called again to get a stats update and was told the request had been rejected, I asked to speak with a manager and she requested I email them all my back up which I did - Attached XX/XX/XXXX received a vmail message that the appraisal was 120 days old and no longer valid and that I could pay for a re-appraisal to meet the 75 % I stand by the fact that the original paperwork stated 80 % and I have fulfilled this obligation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: WA
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 appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2021-03-17
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: Was not notified of investigation status or results

Complaint:
This is the 2nd complaint I am having to file against the bureaus, the delay and lack of responses is not acceptable to someone like who is trying to obtain business credit and start a business! I originally started disputing the derogatory items on my credit on XX/XX/XXXX. I have received ONE response from the bureaus in the 10 months I have been attempting to repair my credit ; I submitted another dispute on XX/XX/XXXX and again on XX/XX/XXXX which also included at that time my FIRST complaint with the CFPB. However, after another dispute on XX/XX/XXXX and XX/XX/XXXX, I've yet again received NO responses or communication from the bureaus and am now filing my SECOND complaint due to the lack of responses and communications from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/19, I was on the united.com site to book a flight. There was a pop-up banner to apply for a United Explorer credit card from Chase Bank to receive XXXX bonus miles ( after {$2000.00} spent on the card in three months ) and a {$250.00} statement credit after my first purchase. There was even a box calculating my flight cost less the {$250.00} for my total cost. I was skeptical but decided to apply. I clicked the box, completed the application, and was approved for a {$24000.00} credit line in just a few minutes. I then booked my flight using my new United Explorer credit card number. I received my credit card in the mail and called to confirm the receipt on XX/XX/19. While on the line, I asked a customer service representative to confirm my {$250.00} statement credit. She told me that I instead received XXXX miles that could only be earned with thousands of dollars of purchases in the first three months and the first six months. I spoke with her manager, XXXX, in the XXXX office. She told me that they could not correct or switch me to the offer I applied for. Later that same evening, I was on the united.com site to research a flight for my son and the same XXXX miles and {$250.00} statement credit is still in the pop-up banner. I called customer service again and spoke with XXXX in the XXXX office. She agreed that the situation was not fair to me but after checking with her manager, confirmed that they could not correct or switch to the offer I applied for. I believe this is a bait and switch, and that Chase Bank never intended to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I received a letter from Nelnet stating that the Biden-Harris program had forgiven my student loans. 
I logged into my account, and I had 2 letters awaiting me stating that the loans had been forgiven and my balance reflected a XXXX balance. Last week, I received a letter from Nelnet stating that my loans were in forbearance. I logged into my account, and my balance was XXXX. and it said my payments would resume in XXXX of XXXX. 
I have tried to contact Nelnet, but after 5 hours of hold time over a couple of days, I am reaching out to CFPB for assistance in clearing this issue up. As of right now, my credit report is showing a XXXX balance. However, I fear that once the agencies are updated next month, this could greatly impact the closing of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NJ
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've sent multiple notices of disputes to EXPERIAN informing of the inaccurate information being furnished on my consumer report. Most recently I've sent notices to EXPERIAN on XX/XX/2022, XX/XX/2022 and XX/XX/2022 that have not been addressed or resolved. The following information being reported is affecting my ability to obtain new credit which has caused me me stress, adverse actions and Defamation of Character : XXXX XXXX XXXX / Amount : {$1000.00} XXXX XXXX XXXX / Amount : {$8000.00}

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have reached out to Transunion via mail over a month ago and havent received a response to my letter. Today Ive contacted Transunion for a representative and today my rights were violated. I spoke with the fraud representative name XXXX at XXXX XXXX. Ive asked for these things to be removed exchange for not being reported to the CFPB if these things were removed immediately. I was consistently harassed about send in a police report. Also was told TransUnion has the right to report anything. I then asked where does it state that thats whats needed in the FDCPA? And I stated TransUnion is currently in violation and stated the following violation below * 15 usc 1681 a ( e ) * 15 usc 1602 ( i ) TransUnion has no right to report false or inaccurate information. 

Im telling you to remove the following items from 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 2022-12-17
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On, XX/XX/2022, an advertisement was sent via email from Rocket Mortgage stating I was pre-approved for a mortgage. After clicking on the email ; my personal information was required to see what I qualified for. Moments later I receive an adverse action rejecting me of such credit due to hearsay from third party. Rocket Mortgage advertisement is misleading and deceptive. I received no benefit in the transaction that stole my personal information for personal gain. Rocket Mortgage is to be held liable for invading my personal choice and consent. Rocket Mortgage has violated my consumer rights pursuant 15 USC 1692 as well as third parties where they retrieved false information regarding my personal character. I am now left with an inquiry and higher rates than before to qualify to buy my family a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I was charged {$4400.00} on my then owned HSBC Bank Debit Card. The charge was from the merchant XXXX XXXX XXXX XXXX. I contacted HSBC immediately about the fraudulent charge on my debit card. They reversed the charge opened a dispute and issued me a temp credit while they investigated the matter. I was issued a new debit card and was told by a rep that i needed to wait 60 days for the outcome.During the dispute they allowed XXXX XXXX XXXX XXXX charge the new debit card two additional times in the amounts of {$2200.00} and {$220.00}. 
After the dispute was resolved HSBC withdrew the temp credit, saying that XXXX XXXX A Car provided documentation proving that I had rented a car and was liable. 
I requested that HSBC send me the documentation that they had as proof. Upon receiving the documentation ; the documentation didn't not contain My Name, Identification or Signature. It had a completely different name, ID and signature. I contacted HSBC immediately to make them aware that the documents they had as proof didn't contain my Name, I.D, or signature. Another dispute was opened and I was told to wait another 45 days. At the end of that dispute I was still held liable. I was told by HSBC to contact XXXX XXXX A Car to have them reverse the charges. When I contacted XXXX XXXX XXXX XXXX they told me they didn't have any account with my name so there was nothing to reverse. 
I have contacted HSBC dozens of times about this matter. But have been unable speak with anyone who can resolve this matter. I even was promised to be contacted back dozens of times. And to date I still haven't received correspondence. 
On XX/XX/XXXX I received a debit collection letter from XXXX XXXX XXXX XXXX to collect a debit on behalf of HSBC in the amount of {$6700.00}. This debt is Fraudulent and there is current court proceeding that has been pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Resurgent Capital Services L.P.
State: GA
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:
I was reviewing my credit report, I noticed a few accounts in collection that I did not open. XXXX XXXX XXXX opened XX/XX/XXXX. XXXX opened XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX. XXXX XXXX XXXX Opened XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called the credit card company XX/XX/2020 to ask them to waive a service fee they started charging me after they promising that I wouldn't be charge for it anymore, the amount was about {$8.00}. At the same time I asked for the account to be closed. The agent promised me that the account was going to be closed. To my surprise, the account was not closed and they charged me service fees for the month of XXXX and XX/XX/2020 again and a late fee in the amount of {$29.00} in XX/XX/2020. Once, I found out about it I called them back to have this fees once again waived. They waived the fees again. The total amount was about {$58.00}. At that time I asked for the account to be closed again. They gave me a hard time. Before, this drama I had previously tried to close the account but they agent insisted to leave it open for emergencies and all service fees will be waived. Obviously, this did not occurred. All of these conversations should be recorded. They need to review the call logs to see that they were the ones making errors on the way the train their agents. They reported me 30 days late to all CRAs for the month of XXXX and XX/XX/2020. Last digits of this card are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Setting up an escrow account for taxes and insurance

Complaint:
This complaint is a rebuttal of my first complaint. XXXX I would like to obtain additional information regarding the escrow funds the bank is holding. I have repeatedly asked the bank multiple times for a complete accounting, statements, etc. regarding the funds being held in escrow and whether the funds are earning interest? If the funds are not earning interest, where and whom is holding the funds and if not interest is being earned, why not? 

To date, Fifth Third Bank refuses to disclose this information with my requests. XXXX is the contact at the bank XXXX See the letter from Fifth Third Bank on my initial complaint. The letter does not address my request for escrow funds accounting, statements, and interest earned. 

Thank you for your cooperation and assistance in helping me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: WV
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2021-04-11
Company: CITIBANK, N.A.
State: CA
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:
I have been trying to get my Citi bank Credit Card rewards since XXXX of XXXX. I have multiple credit cards with Citibank, and one of them offers cash back. 

I redeemed my rewards in XXXX  ( and have since seen the rewards deducted from my account ) and I have chosen to have the rewards in the form of a check delivered to my house. 

I never received the check. After waiting the advised time ( 3-4 weeks ), I called and confirmed the check was never cashed and informed them I never received the check. This was late XXXX. I was told they would resend the check and to wait 3-4 weeks.

I again did not receive the check. I called citibank ( in early XXXX  ) back and asked about it, and they said they would AGAIN send the check. It is now XX/XX/XXXX and I have not received my check. 

I have no confidence citibank is even sending me the check. When I last spoke to a person at citibank, they had no record of my conversation in XXXX  and no recollection of resending me the check. 

The rewards check is in the amount of {$370.00} and was originally redeemed on XX/XX/2020.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reached out to TransUnion regarding an inaccurate account on my report and they failed to conduct a proper investigation. I sent the letter on XX/XX/XXXX and they have not investigvated.

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 2023-10-05
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On Monday, XX/XX/2023 I made a wire transfer for {$13000.00} USD to Gemini Trust Company , LLC. The purpose was to buy virtual currency that I could transfer to my own wallet. 

I have been faced with a security hold ever since I first attempted to transfer this currency ( Ethereum ) - and despite providing all requested information from Gemini Support to get my account fully verified, I have received XXXX feedback in the last XXXX hours. I have no idea what they are doing or why they are taking so long to give me the green light, or at least simply just responding to my last 6 follow up e-mails. 


Something needs to be done about this, I can not keep living in limbo with XXXX ability to use the money I deposited with these folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I tried to resolve this matter on my own several times over the past year in half and I am beyond emotional exhausted with no getting a response I have not received a response from them in over XXXX XXXX per my last letter an as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. These accounts were under my bankruptcy an have no reason to be on my report. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was unable to continue to pay my rent and voluntarily moved out of this residence. I contacted and closed my electric account and was told that the service would be transferred into my landlords name. It was not and I was unaware that I was still being billed, even after an order of possession was grated to my landlord I was still being charged for electric services. I have attached the Court information and can provide additional information proving I moved out of this residence and I am not responsible for the excess billing at this address.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation