BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with citimortgage for  XXXX . In  XXXX  we were approved for a HELOC with Citi for approximately  XXXX . In  XXXX  i became unemployed. I was out of work for 3 years. We reached out to citimortgage many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to citimortgage many times for help they were unable to assist us. citimortgage sold our mortgage to   XXXX   XXXX   in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years. We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false inflated value of the home.

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 2022-08-27
Company: Experian Information Solutions Inc.
State: NV
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 do not know these addresses to which I have never lived nor authorized to spread my name at such and such address, therefore I want you to eliminate these addresses since I do not know them and they are under my name and it is fraudulent.With this complaint they will do more than three times that I ask Experian to eliminate these addresses and in turn the accounts that are related to these addresses that I do not know and have never lived in and have not had any contract with these companies that are reporting my credit and damaging in turn, nor is it together the only credit company that is reporting this on my credit and it is damaging my credit score, I ask that it be eliminated in the next 15 days, it is the only company that is doing it and it is wrong and it is fraudulent these accounts and addresses.

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 2021-07-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with XXXX, XXXX  and Equifax on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record. 

Attached you will find written communication with review to assist with a permanent deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I went to send my friends wife money for work she had done for my family via paypal. i did this on XX/XX/2018. It was {$4500.00} The paypal email she told me over the phone was correct, but i typed in the number 4 instead of the word for as she did not specifically tell me that. The money got transfered to the wrong paypal account and the user accepted it. Now that user has not answered my emails about refunding my payment. I opened a case with paypal the same day i made the transfer as we later realized it was the wrong account. and they closed it after a few days saying they did not see anything wrong with my account. Paypal makes it impossible to cancel an incorrect transaction or properly confirm emails of who you are sending payments to. The customer service reps on the phone at paypal were absolutely useless in my case, they assured me I would get my money back and i have not. I am extremly annoyed because this is a lot of money. If it had been {$20.00} i would not care, but its over {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Claim ID : XXXX Dispute Type : Pay Friends - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$2000.00} I was robbed by a group of guys walking to the atm they took my phone and transferred XXXX to themselves I never transferred money on chime before peer to peer and I had them since XXXX. After everything happened I went to the police station. I made a police report and called chime and made a dispute online. The next day they denied the dispute and said it was no error. I asked for the reason and paper work. That said it would be 10 days to recieve the paper work. I never received A response. 
This is the police report I made right after the incident. After 8 years of being with them I never not once made a peer to peer transaction. I was robbed and reported it immediately to chime and the police. After 8 years I only had one other dispute that too 3 months just for them to tell me know after getting scammed by a company that never sent out my items. The was for XXXX And I would like that reinvested too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
the inquiries on my credit profile needs to be deleted.

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 2018-11-24
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The creditor is reporting incorrect information on my credit file. The credit bureau has a copy of the correct information but repeatedly refuses to update the correct information because I am a 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 2022-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Submitted a dispute to remove 3 loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.

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 2022-08-26
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Shellpoint Mortgage has been reporting discharged debt to all 3 credit bureaus since they purchased the debt asset account. I have made several attempts to get this discharged debt removed from the credit bureau reporting to no avail. This derogatory reporting has harmed me and my business affairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: GVA Holdings, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I called the company on XX/XX/21 and the phone number was no longer good. The Lender. Target Cash XXXX was supposed to deposit loan of {$1000.00}, but did not. Yet Target Cash had previously deposited {$1000.00} into my account and instructed me, as a good faith measure, to use that money to purchase {$1000.00} worth of XXXX XXXX cards and text the company photos of the cards. After the completion of this task, my {$1000.00} ; loan was supposed to be deposited on XX/XX/21. However, this did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
At the end of  XXXX   2017 , I applied to have my cosigners released. I submitted a complete package on  XXXX   XXXX ,  2017 . I spoke to the customer service department on  XXXX   XXXX ,  2017  ( a  XXXX  with the id code of  XXXX  ). I was told by  XXXX  that the notes on my file indicated that on  XXXX   XXXX ,  2017  my complete cosigner release package was under review. I was told I would have an answer  in 10 business days. I have not received an answer. I tried calling Navient today, and I was placed on hold for 15 minutes without anyone providing an answer on the status of my cosigner release application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Bread Financial Holdings, Inc.
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 customer service

Complaint:
Just horrendous customer service from my NFL Visa Credit Card. First the bank was XXXX and now it's Comenity. The bank change occured in XXXX or XX/XX/2022, the transition wasn't smooth. I just had a question on an XXXX statement but Comenity couldn't access it. So now I have XXXX on the line and their customer service can't help me. They said call back on Monday for the XXXX credit card department. I was told the credit card department can view my actual statement... not customer service. Back in XXXX prior to the change to Comenity, XXXX customer service was horrible then. I had to call three times to get a problem fixed. Spent at least an hour of my time. They charged me interest when it should've been zero interest for 6 months. Then I contacted them three times via the online service ( as I dreaded calling them ) for another issue... I believe this occurred in XXXX. My statement didn't reflect the accurate balance. They cheated me out of like {$20.00}. There should be transcripts of this complaint since it was online. Then around XXXX I couldn't view my online statements for a few months so I had them mailed to me. I'm sure I have a few other complaints that I can't think of. Please help. Maybe you guys can have the NFL send out surveys to all of their credit card holders to see they're satisfaction rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-24
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 contacted this credit reporting agency about Identity theft on several occasions. The following accounts are not mine as I am a victim of identity theft I have included the police report. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS FROM MY EXPERIAN REPORT. PLEASE REVIEW THE POLICE REPORT. 

" Upon receipt of a valid police report or valid state approved identity theft form, Experian blocks alleged fraudulent information from view by creditors and other users of the report. '' ( I HAVE SENT VALID POLICE REPORTS AND STILL HAVE THE FRAUDULENT ACCOUNTS ON MY FILE. PLEASE BLOCK THEM! This is my FINAL request to have the following are listed items listed below BLOCKED & REMOVED! 

***************************************************************************************************** # 1. TXXXX XXXX XXXX # 2. XXXX XXXX XXXX # 3. XXXX XXXX XXXX XXXX. # 4 XXXX XXXX XXXX # 5 XXXX XXXX XXXX  .... # 6 XXXX XXXX XXXX ( 2 ACCOUNTS ) # 7 XXXX XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ) # 8 XXXX XXXX XXXX XXXX XXXX # 9 XXXX XXXX XXXX XXXX As well as I have fraudulent inquiries on my credit file ... .. All 3 of these should be deleted immediately ... 1. XXXX 2. XXXX 3. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX phone number XXXX Hi my name is XXXX XXXX On XX/XX/XXXX i found local catering company ( XXXX XXXX ) for making my up coming event happened and total of service charge where {$9200.00} with tax, i paid that with XXXX transaction XX/XX/XXXX {$4800.00} and XX/XX/XXXX {$4400.00} on XX/XX/XXXX or XX/XX/XXXX ( can't say exactly ) i got a call from their company and they told me some story that they are going to file a bankruptcy and they are not able to make my event happened, they suggest me to found other company. About request for refund at first they refused but when i told them they i will take a lawyer to take care situation they give me option to visit them and they will issue refund with merchant and also will give prove letter with signiture that they are confirming that they are not able to make the event happened, but when i visit them they told me that such as they don't have enough funds in their checking account their merchant will be not able to refund money and i will need to contact my bank, i open a disput with citi bank and no one didn't contact me to get prove of trasaction, Citi bank gave me my money back, today i found that my account negative and when i called Citi bank your representative told me that it's some reversal credit back from XXXX XXXX transaction now i am sending you guys prove with receipes and with prove letter with signitured by me and the owner of XXXX XXXX that they confirm that it was their responsibality and they failed to provide a service and they are not able to refund my money back, i am really disappointed regarding citi bank protection services and i am requesting imedently assistance with my citi bank negative balance and with claim, next step i will open case with Consumer financial protection bureau and they will take a look to this situation too. 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 2021-07-12
Company: EQUIFAX, INC.
State: IL
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 requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, Equifax and XXXX. I only got response from Equifax but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as Equifax provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have tried calling the company to get this resolved but have been unsuccessful. I went to get a loan and this credit card that I have no knowledge of was on my report as a negative issue subsequently I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: HW Holding, Inc
State: IN
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 XXXX Account # XXXX, has been violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX, XXXX XXXX {$1500.00} is the amount owed. 



XXXX, XXXX XXXX XXXX, XXXX {$1200.00} is the amount owed. 



XXXX XXXX, XXXX XXXX. XXXX, XXXX {$2900.00} is the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Submitted a dispute to remove XXXX loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: DE
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:
My information was hacked. Someone tried to open a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. Fortunately an account wasn't opened but caused a dropped in my credit report along with an inquiry which does hurt my credit. I would like to get this removed from all of my credit reports : Experian, 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 2016-06-21
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This complaint is being filed against American Express Corporation 's handling of my account during the transition from AmEx 's XXXX True Earnings card to XXXX XXXX 's XXXX card. To effect the transition AmEx was to transfer the accounts to XXXX XXXX. On XXXX XXXX AmEx sent a letter that my account would not be transferred and I would be issued an XXXX XXXX card from AmEx instead. No reason was given for not transferring the account. ( Copy of XXXX AmEx letter attached. ) XXXX confirmed that the account had not been transferred. Contacted AmEx and was initially told that XXXX had refused to accept my account. When I asked for documentation from AmEx that XXXX rejected my account, the response was that the documentation had to be subpoenaed. Re-contacted XXXX who vehemently denied that the account was rejected. Called AmEx back only to be told by another AmEx employee that the transfer was not rejected by XXXX and that AmEx wanted to keep their " high value '' customers and unilaterally made the decision to not transfer those accounts to XXXX. 
The result has been an AmEx credit card that we do not need or want. FICO score will be decreased if the card is cancelled. We do not have a Visa card, so now we must apply for yet another card to access our XXXX membership. Again, a decrease in FICO score. 
The fact that AmEx never did reveal the real reason the account was not transferred and then attempted to provide erroneous information as to the reasons why leads one to the conclusion that this could be a " gray '' area in consumer financial protection. The bottom line is that AmEx eliminated my options without my permission, This appears to be a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation