BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION / XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 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 2017-12-11
Company: Marlette Funding, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a loan with a " company '' called XXXX XXXX - which was advised by XXXX XXXX to consolidate my credit cards. I have asked repeatedly to get my statement online - which have not received - have been told by this " company '' that they will send to me in the mail, the mail service here is horrible. Sometimes do n't get mail for 2-3 days - very unreliable. Do not understand how a company can not offer statement online. Also, this company originated in another state and after checking my correspondence from them, there are several companies located in XXXX XXXX, IL, XXXX XXXX, TX and also in Del. I do n't have a very good feeling about this company - since I can not even get a statement on line to know what the balance of my note is - very uncomfortable not knowing who or what I am dealing with. When I made this loan, it was online and approved for over {$7000.00} - have made multiple payments and never received any email or acknowledgement that the payments were received. This was do n't through the mail - at a much earlier time. Please look into this company - I will give you all the background on it I can - they are very secretive about their addresses, just XXXX XXXX. I am a widow and XXXX years old. Please do n't let me be swindled out of what I thought was an honest company and was trying to get my head above water. I see on your site that there have been other complaints about this company. Please investigate this company and it 's affiliates - there seems to be something fishy about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 A states I have a right to privacy.

15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent.

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 2022-10-12
Company: Foris DAX, Inc.
State: CA
Product: Credit card or 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:
For at least the last two months Crypto.com has refused to give me access to my funds on my Crypto.com XXXX card. Ive contacted them on at least four different occasions and theyre still keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Bank of America charges Foreign Transactions fees on XXXX transactions for vendors that have their parent company registered outside US. The fact is that XXXX already adjusts / charges the vendor for the currency conversion and as far as a US customer is concerned the credit card transactions are processed by XXXX and not the vendor themselves. This practice of charging foreign transaction fees of 3 % on such purchases by Bank of America visa credit cards is totally unacceptable & may be illegal as well. 

I would like the CFPB to look into this practice and take legal action on this to prevent future abuse by any large banking institutions going forward.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX opened an account on XXXX XXXX XXXX, and has reported my information to the credit bureaus without my consent. XXXX is reporting inaccurate information on my report because of this information.

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 2021-03-19
Company: Experian Information Solutions Inc.
State: IA
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:
My scores are very low due to many inaccurate information regards payments and accounts and old information in reports, even my name, I tried with them many times and still same problem. I need you to investigate all wrong information about me and remove them. Thanks.

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 2020-11-29
Company: UNITED BANKSHARES, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan officer was XXXX XXXX with George Mason mortgage. I was promised a deal on closing that I would get {$10000.00} from the developer and 1 % off the loan origination, which would be split between the developer and loan officer. The developer paid the full 0.5 % of the Lon origination, but XXXXGeorge Mason did not. XXXX pushed prepaying mortgage insurance and buying down the rate. We ended up buying down the rate, but that cost coupled with all closing costs did not cost more than the 0.5 % George Mason was required to pay. He only gave me the feed cost off, which was {$1200.00}, but he owed {$3500.00}. He claimed he used the difference of {$2200.00} to buy down the interest rate, but that amount doesn't make sense nor is it reflected in any documents as a buy down that I could otherwise use for tax purposes. I asked the title company representative if this was the case with all XXXX closings and the representative confirmed yes, the maximum XXXX gave in the 0.5 % credit he owed to all people closing at my condo building was the {$1200.00} in fees every time. There were 2 preferred lenders and the title company also confirmed the other preferred lender did in fact give the full 0.5 % credit. I feel scammed and taken advantage of, I confronted XXXX in multiple calls, the title company called and asked for an explanation at closing, and nothing he provided made sense. 

I also locked in on the day that the mortgage rates were below 3 %. If I legitimately bought down the rate 1.75 points, my rate should not have been 3.125 % considering my credit score was over XXXX. I think he took advantage of me as a buyer considering he was the preferred lender.

I also filled out a survey to the branch manager after the closing explaining these issues and no one contacted me or did anything to resolve the issue. Please investigate this.

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 2019-02-05
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have reached out to Convergent asking for a statement to be mailed. I aswell has answered one of the many calls from the collector and had asked her to send a paper statement and the collector hung up on me and then repeated to call several times.

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 2018-10-07
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I went to the XXXX, FL Amscot but before I came I spoke with XXXX on the phone to see what documents needed to process the loan. She explained she see me in the system so all I need bring ID, recent document showing proof of income, and check that will be kept on file. Went to the place and then a rep named XXXX ended up taking over. She told me I was approved and then a text message was sent to my phone stating your approval number is XXXX. Then I asked rep XXXX how much was I approved for and she didn't know, so she called corporate and stated I owe {$50.00} from the year XX/XX/XXXX and it was the fee to checks written back in the day. I explained to her Florida Statue of Limitations has passed. Well then she stated you must pay something. I was going to put a dollar on debt but did respond to text message and stated " Hi Amscot, this is XXXX. Can we set up a payment for XX/XX/XXXX {$10.00} a month for old debt. '' Please keep in mind was approved for {$150.00} needed {$180.00}. Then XXXX come back she is well aware of the law and Amscot has their internal financial services, but I stated still don't override State of Florida or Federal Law ;  so I guess I hit a nerve and then she gave me the attached document reason for rejection is other delinquent past debt. 
What is the rule of thumb when a debt is 15 years and the bank refused to loan you the money. XXXX did state I paid debt back but not the fees, and to me that really sound crazy. I never knew it was an outstanding debt owed but now it still shouldn't reflect present day loans. At the end of the day no loan occurred and disappointed. It is XXXX years old. I  wanted to start New and they didn't but need to know what is the correct way to handle this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON about XXXX XXXX, 2023 I disputed inaccurate information on my credit report with the following credit bureaus, XXXX, TRANSUNION, and XXXX, as of today I have received no response to my disputes. This is a direct violation of the FAIRCREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRATICES. 

Pursuant to the FCRA and the FDCP the credit bureaus have 30 days to respond to a consumers dispute, they have failed to so.

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 2021-05-30
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I converted approximately {$100.00} of USD into DAI stablecoin. On XX/XX/XXXX, I withdrew {$11.00} worth of DAI from my Gemini account. Shortly after that transaction occurred my account was restricted and all of my crypto assets locked. I've been prohibited from withdrawing, selling, or trading any current crypto assets, including converting my remaining DAI back into USD. I'm only allowed to withdraw the fiat currency that remains on my account or buy more crypto. 

No explanation was given for this restriction. No timetable was offered on when this restriction will be lifted or what actions I could take to lift it myself. I have twice contacted Gemini support through email, which was the only method offered from their support page, and have received no response other than their automated system saying they received my request. I also sent a direct message to their Gemini support account on XXXX and called their phone number. I have yet to speak, chat, or communicate in any way with an actual person from their company. 

Due to the numerous complaints about Gemini I've seen online on sites such as XXXX and XXXX, I've decided to file this complaint with the Consumer Financial Protection Bureau rather than wait any longer for Gemini to respond to my emails. 

If there's a legitimate reason for this restriction, it wasn't given to me. There is no logical or legal reason I can think of for them to restrict my account. My account is verified and there's nothing pending with regards to my identification. These assets are rightfully mine and have been paid for legally with my own money. I should not be prohibited from withdrawing, trading, or selling them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2018-04-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have accounts that have been opened under my name but are not my 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 2021-01-28
Company: PNC Bank N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a notice from XXXX that I had tried and opened a banking account at PNC bank on XX/XX/XXXX and XXXX, XXXX. I have called the bank 4 times and still have not heard back from the fraud investigators department. I do not live near a PNC bank nor have I ever tried to open an account with them. My social security number and date of birth is being used to open this account. I have not given anyone the permission to use my information for any reason. I have filed a police report with my local authorities, put a fraud alert on all credit reporting agencies and am working on credit freezes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquiries reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, sign the application with consumer wet ink signature. consumer is Not asking for an e-oscar report. TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION XXXX XXXX XXXX  XXXX, TRANSUNION CORPORATION . I will be filing form XXXX XXXXXXXX XXXX form to audit consumers accounts. TRANSUNION is securitizing consumers data yet refuses to provide consumers a copy of their CONSUMER FILE NOT CONSUMER 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 2021-02-12
Company: Mr. Cooper Group Inc.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past five business days, beginning with Friday, XX/XX/2021, I have attempted to contact Mr. Cooper Lending regarding inaccurate property tax payment details for my upcoming property tax payment due in XXXX. There are significant deficiencies with the escrow data that may lead to an incorrect payment, or lead to the lack of receipt by my municipality. 

I have submitted daily inquires, including the uploading of my property tax bill, via Mr. Cooper 's secure online message portal. I have left voice mail messages, and I have submitted email inquiries to Mr. Cooper 's escrow team, all of which have gone unanswered. It is not so much the character of the customer service that causes concern, as much as it is a complete lack of discernible customer service whatsoever. The apparent inability to communicate with Mr. Cooper regarding a proactive borrower 's escrow concerns borders on an abrogation of its regulatory requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Alot of unknown inquiries

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-05-30
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I Call to Barclay 's and inform that I Lost my job, and the only I can paid is XXXX monthly. they never want to help me to lower my monthly payment. I been pay a monthly, at least 2 weeks before due date of {$100.00}. That's the only i can afford right now. I never stop pay, but I sent what i can afford. They never listen to me, they just harassments every month. I need help, I don't denied to pay, but I just need help to low my monthly due to {$100.00}, and stop harassment 's, and also stop give a negative report to my credit. 

Sincerely 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 2019-03-15
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was given a trial loan modification for 3 month mortgage payments, after that Caliber Home Loan send me at complete loan modification package to sign and return to them. I did what they asked me to do. However, the package according to them was not received on time. was suppose to be there by XX/XX/2019. But I send on time with a Payment of {$1300.00} Mortgage Payment. I have been talking to them Since XX/XX/2019 if they have received the package they told me NO. You are in foreclosure and your sale date is XX/XX/2019. Pleas help me to find a solution for this situation I am in. 

Caliber Home Loan Loan Number : XXXX Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Macy 's account is identity theft. I have sent FTC reports to XXXX, they still will not remove the MACYS/DSNB account. XXXX  is playing dirty games ....

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