BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
After my credit card expired with CitiBank last year ( XX/XX/2022 ), the credit card company has refused to send me a replacement card. I have contact Citi 's customer service team and have spoke with a client account specialist. The client account specialist have asked me for verification. I provided the information. The client account specialist still refused to assist me with help to obtain a replacement card and told me that Citi would use a third party to skip trace locating where I actually live in order to send me a confirmation letter just to request a replacement card to an expired credit card account.

Citibank is deliberately attempting to sabotage my credit account with the Company and refuses to issue me a new card after repeatedly for several months. I will not pay the bank another dime until they have issued me a replacement card. I have made payments on time and have not been delinquent and as a card holder I should not be denied any request to receive a replacement credit card for an active account.

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 2021-07-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2021, Shellpoint did not provide a designated representative in its CFPB response. 

XXXX XXXX is my designated representative in the correspondence. Shellpoint says that MsXXXX XXXX is his supervisor. All representatives have a supervisor. The regulations say that I am supposed to have a designated representative. Yet, in the XX/XX/2021 response, Shellpoint referenced attempts to reach me by phone from a third representative, which was not identified as XXXX XXXX or Ms. XXXX in the letter which prompted my complaint stating they were creating false documentation that I was nonresponsive. 

Shellpoint was nonresponsive for 60 days when they sent contradictory trial payment amounts and I asked for clarification. 

So, I need a designated representative, which Shellpoint 's response did not provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CA
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 am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost 30 days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
2 collections were added to my account for medical accounts. After discussing this with the collection agency, they agreed that the accounts were supposed to have been paid off months earlier, but the payments were credited to the wrong account. They also told me they sent the information to Transunion to have these incorrect accounts deleted. After a week of no progress, I started a dispute with Transunion about these accounts and one of them was deleted and the other had a result of " meets FCRA regulations ''. That was clearly untrue as it was not accurate and the collection company themselves were trying to get it deleted. I then called the collection company again, and they sent another request to Transunion to delete. Today I started another dispute, for the same account. 
It seems clear that Transunion did NOT actually do an investigation and should be made financially responsible for providing inaccurate information and for having a complete disregard for the FCRA.

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 2015-10-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone in early XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXXloss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, On XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called ) I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
My mother and spouse, lived in AZ when medical difficulties arose, and they set up a reverse mortgage from Champion Mortgage to help pay their bills. 
Within 2 years of the death of her spouse, Mom was found to have XXXX XXXX, and her Power of Attorney paperwork enabled me to liquidate her assets, pay off the reverse mortgage and all outstanding debt. About that same time ( only 2 years ago ) Champion Mortgage was sold to Nationstar Mortgage, AKA MR.COOPER. 

Mom 's current Medicaid application for her ongoing care requires a copy of her loan disbursement transactions, which I am requesting via this complaint. 

I am uploading her POA paperwork AND HER SPOUSE 'S DEATH CERTIFICATE as proof of MY POWER OF ATTORNEY status for her affairs. Please send a copy of the full loan disbursement of my mother 's account from CHAMPION MORTGAGE to me so I can submit it on her behalf to MEDICAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: FIRSTBANK
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I had XXXX separate purchases that I made through XXXX using my bank card. I was unaware the the purchases I was making were out of the country and not being payed the proper way through XXXX. When I never received my items I called XXXX to dispute the charges. They advised that since it was paid as a freind payment ( which I di n't know ) I would have to got to the bank and cancel it with them. I went to my 1st bank branch in XXXX ca. and I signed an affidavit for the XXXX charges XXXX and XXXX. the bank then reversed the charges to XXXX and put it back in my acct. XXXX at that point put my acct in the negative. XXXX then opened a dispute for only XXXX charge the XXXX and after they opened it the 10 days went buy and the dispute was closed in my favor and XXXX gave me the money back for that XXXX charge. All good Now we have the second charge XXXX. I can not get XXXX to open a dispute so I can go the 10 days and get it out of the negative. I have called XXXX several times and they advised that they see the money being taken by 1st bank but they only have a dispute from the bank for XXXX charge. I have called the bank several times and they advised that they should have all the paperwork to open a dispute from the first filed paperwork. The bank refuses to resend it. The last time I talked to my bank they advised that there is now a 3rd party bank involved because it was a international charge ( which I did n't know either ). But that is on XXXX end. If they open a dispute and find in my favor then they will have to go after the XXXX and XXXX. That should have nothing to do with my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
I was in deferment since XX/XX/XXXX. XXXX is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with Nelnet as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that XXXX, Nelnet, and XXXX all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Continental Finance Company, LLC
State: MN
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:
*** THIS ACCOUNT IS CLOSED *** RE : XXXX XXXX  XXXX XXXX  XXXX/Continental Finance  CFC- Correspondence XXXX XXXX XXXX XXXX, NY XXXX XXXX This letter is to inform you that I XXXX  is showing that you are actively reporting this card payment status as Past Due 30 days with a XXXX ( {$0.00} ) dollar balance. When it should be reported as a different status as this account is currently closed. Per the credit report alert from XXXX XXXX reporting agencies is showing this is being reported to XXXX  actively. It shows I have payments made and late in XXXX and XXXX. How could this be when this account was closed in XXXX of XXXX. 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to have this updated in a timely matter as outlined in the FCRA Section 623 : [ Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please see the attached document from XXXX XXXX who states they receive all active information from XXXX, I have spoken with XXXX  who is advising this is being furnished actively by you, even though this account is closed with a XXXX  balance. Please update the payment status from 30 days Past Due to either Paid Collection Paid Settled or the proper payment status that fits this account being paid off. I am asking and requesting for a full research and investigation into why XXXX XXXX  and XXXX  still shows this as being actively reported when it is closed and paid.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: MO
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 am submitting this CFPB Complaint to request to you once again to look deeply into my complaint and have the disputed items removed as soon as possible. 
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. Here is the list of accounts that should be removed as soon as possible : 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 XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$770.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: LA
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: PNC Bank N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I incurred a {$38.00} Late Fee from PNC Bank ( Ex. 4 ) as a result of its faulty auto-pay system. I had previously received a credit for a late fee on XX/XX/XXXX, ( Ex. 1 ) due to its deficient auto-pay system which was refunded on XX/XX/XXXX, ( Ex. 5 ). PNC Bank contends that because they had refunded one late fee, its policy prohibits it from issuing another late fee notwithstanding its deficient auto-pay system. 

I have had several conversations with PNC 's representatives regardings this issue to no avail ( Exs. 11-12 ) ; indicating that its centralized system prohibits it from issuing more than one late fee refund within the calendar year notwithstanding bank error ( deficient system ) [ Exs. 10-10a ]. PNC Bank deficient auto-pay system treats an auto-payment as an external transfer, but not for an indefinite period. And, once the auto-pay expires, you have to reinstate the transfer all over again. When, I reinstated the auto-pay on or about XX/XX/XXXX, with the help of its representative that refunded the first late payment, it was set up for the wrong date, i.e., for the XXXX of the month when it should have been set up for the XXXX of the month when my payment was due ( Exs. 4a- 7 ). However, its deficient auto-pay should have rejected the XXXX or made it early 28 days before it was due, nevertheless, the deficient auto-pay system accepted this day and charged me another late fee defeating the purpose of the auto-pay. 

After going around and around with PNCs representative ( middle and senior levels ), I was unable to secure my {$38.00} refund for the late payment. Compare XXXX XXXX  auto-pay system to PNC 's auto-pay system which is more user-friendly ( Exs. 10, 10a, 13 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020, I called PHH Mortgage Corporation from the number posted on their website to postpone my mortgage payment for a few months because my husband and I are affected by the Coronavirus ( Covid19 ) lockdown in XXXX XXXX, California. My mortgage payment is current and our payments have been on time every month for over ten years. 

The representative ( XXXX ) who answered the phone stated that she could " freeze '' our mortgage payments for three months ; however, on XX/XX/2020, we will have to pay {$14000.00}. Our regular monthly payment is {$3600.00}. 

I asked the representative if there were any other solutions, and the representative said, " No. '' She didn't even ask for any financial information about our current situation. I told the representative I decline, and I did not freeze my mortgage account. 

This one solution obviously defeats the purpose of natural disaster relief during the crisis affecting the country right now. My husband who is self-employed can not work because of the " Safe at Home '' lockdown right now. 

Is there any way you can help or encourage PHH Mortgage Corporation to come up with a solution that makes sense  during this crisis? It obviously doesn't make financial sense to put our mortgage into possible foreclosure in XXXX by freezing our account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have maintained several checking and savings accounts at U.S. Bank for roughly a decade. I initiated my relationship with a U.S. Bank XXXX XXXX XXXX that included a U.S. Bank XXXX Visa Card that provided a fee waiver to my checking accounts. In other words, as long as my accounts were in good standing, I was not charged a monthly maintenance fee for my accounts. 

On or about XX/XX/2020, I received a letter dated XX/XX/2020 from U.S. Bank advising that since I haven't used my credit card in some time, that the XXXX Visa Card issued to me was being closed. Two days later, I received a letter dated XX/XX/2020 from U.S. Bank advising that since my credit card was closed, that I no longer qualified for a fee waiver on my checking accounts and that I would commence being charged {$14.00} per month on my personal checking account. 

I have perfect credit ( FICO score XXXX XXXX, pay all of bills timely, and do not have any bankruptcies or evictions on my credit report. I am upset that U.S. Bank has implemented a chain of events that have harmed my credit score ( cancelling a long standing credit card account in good standing ) and have removed the fee waiver on my checking account as a result of cancelling my credit card account. I would understand U.S. Banks decision if my credit or earnings capacity was such that it put them at risk during the current coronavirus. In this case however, it is exactly the opposite. I am, and have been a excellent customer, maintain thousands of dollars in my account balances, have excellent credit, and am gainfully employed throughout the coronavirus pandemic.

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 2022-11-21
Company: Bliksum, LLC
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : LOANME INC XXXX Date Opened : XX/XX/20 Balance : {$0.00}

Company response to consumer: Closed with explanation