BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-03
Company: ALTERRA GROUP, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/2018 my daughter 's loan officer called me and wanted my bank statement with balance. He had read my bank statement. He was complaining that the print was too small even though he told me he read it. All of this is because I gave my daughter a small amount of money {$7500.00} to pay her closing costs.. Mind you I am not getting the loan to buy a house. My name will not be on the title of the house. He went on to tell me he needs to know that I am not selling drugs or participating in other illegal activities. Again this is not my loan. It is my daughter 's and her husband 's. Can you help me with this problem. He told me that he is denying my daughter a home loan. My name is XXXX XXXX XXXX I would like a call from the entity that can do something about this problem. And if they think this man was out of line. My daughter and her husband both work and are law abiding citizens. For such a small amount of money that I gave them I don't give them my personal information. If it was a large amount of money then it would be different.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: EQUIFAX, 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:
I CALLED ALL THREE CREDIT AGENCIES, EQUIFAX, XXXX, XXXX   AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX {$100.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$400.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$500.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX & XXXX. '' On XX/XX/XXXX {$250.00} was sent XXXX for " late fee/registration fee. '' On XX/XX/XXXX {$300.00} was sent XXXX. 

All the transaction 's happened through my USAA account through XXXX the app that has a partnership with USAA happened, to move into a room in XXXX XXXX apartments in XXXX, California to move into a apartment with a XXXX XXXX and when i sent that last transaction on XX/XX/XXXX i was supposed to move into the address XXXX XXXX XXXX, XXXX, California XXXX and he stopped responding and disappeared and that's when i realized that i got scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Purchasing gift cards through cash app on XX/XX/2020 and XX/XX/2020. 
Non service of merchandise received and rightfully disputed the source with the actual funds responsible of holding. 
Cash app has been contacted about 10-15 times and even contacting XXXX XXXX. The bank associated with the cash app card. 
XXXX faxed my documents over and now cash app wont even recognize the XXXX and XXXX are the two amounts Im disputing and still have no access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: EQUIFAX, 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:
Equifax continues to report a fraudulent XXXX XXXX account on my credit report. They have sent me a letter to express that the account can no longer be reported by them. This account is the result of identity theft and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had this credit card for 8 years. I maxed out the balance at {$2200.00}. Each time I paid down over {$100.00} I called to decrease the available balance. I lowered it to {$1100.00} and have been making payments regularly. 
I received a letter stating that they were not going to renew my card.

After speaking to customer service I found out that it was because my credit score had gone down. Even though I was never late on this card they still closed it.

Now my credit score will go down even more.

I think this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Experian Information Solutions 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:
There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.

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 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquires on my credit report that was not authorized by me. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2018-11-03
Company: Experian Information Solutions 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:
I CALLED ALL THREE CREDIT AGENCIES, XXXX, XXXX, EXPERIAN AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.

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 2018-11-03
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:
I CALLED ALL THREE CREDIT AGENCIES, XXXX, TRANSUNION, XXXX  AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.

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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX in XXXX, CA on Tuesday, XX/XX/2019 and was helped by a man named XXXX. When it was time to pay and leave, he offered me a XXXX XXXX card and said if i got it, it would take 10 % off my bill. He said that it was a " soft pull '' and talked about the perks of the card. I was interested in reducing my bill by 10 %, but questioned him saying, " are you SURE it's a soft pull? '' He responded very strongly stating that he was sure and even saying, " i don't want to go to court. I wouldn't be giving people false information. '' The only reason i took the card was because he told me it was a " soft pull. '' I did not, ever, give authorization to do a hard inquiry and I want this removed.

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 2018-11-03
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Back to this XXXX, I opened a Citi bank package with {$400.00} welcome bonus. All the requirements were meet four months ago, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. 

Here are more details. There are three requirements to earn {$400.00} bonus. 
Requirement 1 : open a new checking and savings account in the Citibank account package between XX/XX/18 XX/XX/18 Comments : My accounts were opened in XX/XX/18. Requirement 1 was meet.

Requirement 2 : within 30 days of opening your account, deposit {$15000.00} new-to-citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Comments : I deposited {$1500.00} to my checking and {$13000.00} to my saving accounts on XX/XX/18 from external financial institution. Requirement 2 was meet.

Requirement 3 : maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
Comments : More than {$15000.00} balance had been maintained from XX/XX/18 to XX/XX/18, which is more than 100 days. Requirement 3 was meet. 

In a word, all the requirements have been meet. Please ask Citi to post {$400.00} credit as advertised. 

Thank you!

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 2020-07-01
Company: Experian Information Solutions Inc.
State: AL
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 sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.

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 2018-11-05
Company: JPMORGAN CHASE & CO.
State: WA
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:
At the beginning of XXXX, I applied online for a Chase XXXX XXXX credit card via a link showing a XXXX bonus miles offer. The offer stated, " XXXX bonus miles after you spend {$3000.00} on purchases in the first 3 months your account is open ''. 

My application was approved on XX/XX/XXXX and I spent over {$3000.00} in the first billing period to qualify for the XXXX miles. 

On XX/XX/XXXX, I checked on the status of the bonus miles and found that the introductory email from Chase stated an incorrect offer of XXXX bonus miles and {$100.00} statement credit upon spending {$2000.00} in purchases. 

I contacted Chase customer service to confirm that I was in fact going to receive the XXXX bonus miles for my {$3000.00} in purchases, and they responded via message, " Unfortunately we would not be able to honor your request. The account does not qualify to make any changes to the rewards. We hope that you understand this decision is the same for all cardmembers. '' I contacted Chase customer service again to clarify that I was not seeking to change offers, but to have the correct XXXX miles offer reflected on my account. In other words, I was seeking to correctly receive an offer that I signed up for, not to change from an offer I signed up for to an offer that I did not sign up for. 

Chase customer service was unhelpful, even after I showed them the screenshot of the offer I clicked on ( attached ), and repeatedly stated that my account did not qualify for " changes ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inherited a house from my mother in XXXX of 2015 and the house is financed through Ocwen mortgages. I have been trying for several years to refinance the home because Ocwen keeps raising the interest rate every 6 months, and have not been able to, due to most of my income being tips from bartending. Ocwen refuses to work with me and now my interest rate has jumped 5 % in the last 3 years. I feel there is something not right here and Ocwen is not being truthful.

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 2017-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Between  XXXX   XXXX  and  XXXX   Portfolio Recovery w as removed from my credit report and after such action was taken it was placed back on my report between  XXXX   XXXX  and  XXXX   XXXX . According to FCRA I must receive written notification of such action being taken. I never received proper notification of this account reaging or of debt being placed back on reports. Also, Ive written portfolio recovery several times requesting validation with my signature attached for alleged proof. To this  date PRA has refused to cooperate and send me the requested information. Failure to respond within the allotted time frame with requested validation, as well as reaging the account with   XXXX   is means to have  this debt deleted immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have an auto charge from XXXX XXXX which was {$6.00} a month. 

On XX/XX/2018 and XX/XX/2018 Barclay received {$6.00}, a total of {$13.00}. 

So, I had a credit of {$6.00} on my account. 

Now this credit disappeared on my next statement. I should have had a credit carryover.

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 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a victim of identity theft, a report with ftc has been filed. 
Help me correct this issue on my credit reports.

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 2018-11-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have promotional balances coming due. The regular monthly payments do not get applied to promotional balances. They only apply payments to regular fixed payment reduced APR. You can call and make an extra payment only after you initial minimum payment is applied. When you tell them you want the extra payment to go towards a particular promotional balance, they say no problem, then continue to do a payment allocation. They even give you a confirmation number. After having to wait 72 hours, I check my account and the extra payment is treated as a regular payment for the next month, and only applied between fixed pay accounts. They have no interest in having you pay off the 12 mo no interest amount so they can hit you with an extremely large interest fee. This has happened in XXXX and now XXXX. When I call to complain, they tell you they will correct it and wait 72 hours again to see it appear on your account. By this time, you are already into the next billing cycle. And the problem stars all over again.

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 2018-11-03
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a complaint with respect to two responses received from XXXX XXXX XXXX ( " Bank '' ). The complaint numbers were XXXX-XXXX and XXXX-XXXX. The responses provided were factually inaccurate and potential libel actions. The Bank 's employee has lied about the series of events that occurred. My wife did not use any " inappropriate language '' nor did she commit any " inappropriate actions. '' Furthermore, the monetary relief the Bank claims it has provided is not relief of any kind. It is the return of our property ( i.e. the funds in the account ). No compensation or apology has been issued by the Bank or any of its employees. In fact, it was the particular Bank employee who escalated the situation and caused a scene which made me fear for my safety and the ability to have continued access to my property. Frankly, it was the worse customer service experience I have had in my life. This whole situation could have been avoided had the Bank employee let me access my safety deposit box during my daughter 's wedding. It was only when I pointed out a flaw in their security procedures that the Bank employee became defensive and raised her voice. The reason for resubmitting this compliant is to bring to the attention of the Bank the actual events that occurred and to affect actual change there, so this does not happen to any other customer. I hope this complaint is taken seriously because the deceit and duplicity my wife experienced as a customer of the bank ( for over a decade ) is simply unacceptable. There are consumer protection laws to ensure that customer do not get treated this way, and I would much rather have this resolved in this manner than take legal action for the way my wife was treated. Please address this immediately and provide some actual relief, rather than deceptively implying that monetary relief was provided in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
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 have a victim of identity theft, a report with ftc has been filed. 
Help me correct this issue on my credit reports.

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 2018-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo owns my mortgage and I fiked numerous complaint against Wells Fargo they only play game and say we r looking in to it and we will contact u but this is just for the to but time and they dont do anything. 
I sent them copy on this letter and they said they dont own my loan Try XXXX on line and this letter that I am sending to Cfpb pip up

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 2018-11-03
Company: Newman, Hesse & Associates, P. A.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have received a garnishment on my most recent payroll from my place of employment at XXXX XXXX in XXXX, Illinois XXXX in the amount of {$170.00}. Today XX/XX/2018 I received a letter from Newman, Hesse & Associates, which I have attached and uploaded. This letter has Case No.  XXXX and I have no idea where this came from?

Company response to consumer: Closed with explanation