BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX I applied for a Citi XXXX XXXX XXXX and never heard back regarding my application. The website says the typical wait time is 7-10 days so once that time period passed I check the website and was told my application was still being processed. On XX/XX/XXXX, I called the company to request an update and was told that my address was on file incorrectly and that they would fix it and send me a confirmation letter to process my application. Another month and a half passed and I still received no letter so on XX/XX/XXXX I called back to request my application be withdrawn. I expressed that I did not want to bank with Citi because of the 4-month negative custom service experience. Instead of withdrawing my application, the phone attendant approved it on the phone immediately, issuing me a credit card that explicitly stated that I did not want it. After that call, I have spent 45 minutes on the phone with different Citi Bank customer service lines and no one can assist me in A. filing a complaint and B. halting the process of opening that card. So now I'm stuck with a card I do not want or having to make the decision to close the account I never opened and have it impact my credit score. I'm also concerned about receiving the card in the mail at all to begin the process of closing the account seeing as none of the previous mail correspondence has made it to my mailbox which is part of what prompted this issue in the first place.

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 2017-10-07
Company: EQUIFAX, 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:
This company ran a hard Inquiry against my credit report without approval. I have attempted to communicate with the company to resolve this but have received no response. Please remove this from my credit report. 

Inquirer Name : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX -Attempt to establish a service agreement with XXXX via authorized retailer XXXX XXXX XX/XX/XXXX -Received e-mail from XXXX XXXX that product was shipped to home address XX/XX/XXXX -Received e-mail from XXXX XXXX that product was routed to UPS Accost Point XX/XX/XXXX -Contacted XXXX XXXX ; Retailer verified the package as lost. Requested a reshipment of device under XXXXXXXX  XXXX in place of contract with XXXX. XXXX XXXX Representative approved. 

After submitting this information to XXXX, the company refuses to acknowledge a miscommunication between retailers and proceeded to place a non-existent collection in my name for a XXXX device I never received. 

I have submitted several disputes with all 3 credit reporting agencies and nothing has been resolved. I have contacted XXXX several times to remedy this over the course of a year to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of America violates the law by refusing to dispute a charge On BOA mastercard XXXX XXXX XXXX XXXX claim that was initiated for a transaction from XXXX in the amount of {$39.00} that posted to the account on XXXX XXXX, XXXX. Resolution sought is IMMEDiate permanent credit of {$39.00} and finance charges.

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 2022-03-09
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Virginia case # XXXX, XXXX XXXX case # XXXX ..., XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., and XXXX XXXX case # XXXX ...., this information was put on my credit report because of LEXIS NEXIS and LEXIS NEXIS 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 a account without my written instructions Thank you for helping rectify this situation. I feel at this point my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my annual Escrow analysis with Mr. Cooper and was notified I would have a shortage in my escrow. I paid the amount of the escrow shortage and added another {$1000.00} to my escrow account. I was informed I could either pay the amount of the shortage or have my payment go up. I elected to pay the amount of the shortage. The funds I gave them for my escrow where never applied and they increased my payment starting in XXXX and notified me they would again be increasing it in XXXX due to a shortage in my escrow. How can I have a shortage when I not only paid them what they said they needed but extra also? I was also told when I called them regarding this that if I paid more into my escrow I would have my monthly payment decrease. 
I tried to speak with them about it and they just kept telling me my taxes went up. I get taxes go up and there might be a shortage but I paid that then I was told there was another analysis done on the account and because there was a surplus in the amount over {$25.00} they needed to refund my money by law. They just keep running me in circles. They refunded me $ XXXX of the {$12000.00} I sent them for the shortage. I have no idea what they did with the portion they kept and if they where going to refund me money why in the world didn't they keep the amount of my shortage. This just does not make any sense. 
Also they increased the amount they took out of my checking account for the payment without my authorization. I don't understand how they can take funds from my account like that. 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: SYNCHRONY FINANCIAL
State: WA
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 had some charges on my credit card they were not mine I brought to the attention of the hotel they werent very nice and were not willing to do anything so I called the credit card company and made a dispute turns out they reported negatively to XXXX XXXX and XXXX And my credit dropped XXXX points and I learned just recently theyre not supposed to do that having a dispute does not affect your credit but it did the bill wasnt even in yet this is all within one week and I brought to the attention of the credit card XXXX and they said they pass the buck basically then I called the credit reporting are the credit agencies and they pass the buck back to the credit card company so nobodys willing to admit this or fix it like I said I learned that it was wrong for my credit to drop as a result of this so this sounds like a pretty big complaint I was getting ready to buy something and now I cant that is wrong and that Sounds illegal and I want this investigated I want some answers finally from somebody

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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX I filed a complaint with Transunion about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. Both letters were sent via certified mail and the signature receipts are attached to this as well. 

I also attached the certified mail receipts from when they signed for each of the letters referenced above.

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 2021-11-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
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:
XXXX XXXX is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )

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: Specialized Loan Servicing Holdings LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In a letter dated XX/XX/XXXX, SLS informed me that there had been a re-assessment of the escrow account. It stated that my escrow amount would change from {$390.00} in XXXX to XXXX in XXXX. On page 3 of 4 of the letter, it indicates that this was in part due to a yearly property tax of {$6000.00}. I checked my property tax bill for XXXX, which indicated that the property tax from that year was {$3000.00}. 

It appeared to me that in their re-assessment SLS had double counted the property tax. I suspected this because their assessed amount of property tax was exactly double of the actual property tax amount as found in the property tax bill that I received from the town. In addition, I suspected SLS had made this error as they had previously made the same error when they bought the loan from the original lender. 

On XX/XX/XXXX, I spoke to an SLS representative over the phone and explained the error. He informed me that he would forward my request to the tax department. I did not hear from SLS again. On XX/XX/XXXX, I sent a message over SLS website to inquire about the progress of my request. On XX/XX/XXXX, I received the following message from XXXX Teller ID XXXX : Thank you for your inquiry. Out Tax Department confirmed the amounts calculated for disbursment [ sic ] are correct. There is no need for a new analysis calculation as no change has occurred. 

I therefore seek to correct the error through CFPB in this complaint.

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 2022-04-04
Company: Lockhart, Morris & Montgomery Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lockhart , Morris & Mont called me originally back in 2018 for this debt and when I had originally discussed this with them, I asked them for the original documentation in details about the payments that had been applied for this debt that I had paid before it got sent to collections, because I did not agree with the amount they said i owed. I went back to the originally creditor and asked them for a statement of account in which they refused to provide to me and said it went to collections, therefore it was no longer up to them and that I needed to deal with the collection agency for all matters. 
I recently sent them a certified letter asking for REQUEST FOR VALIDATION OF DEBT and they responded within the 30 days, however, they did not respond with the information that we asked and within their response, they stated they are responding to the request for VERIFICATION which is not what I requested at all. At the top of the letter in bold and capital letters it states, REQUEST FOR VALIDATION, NOT VERIFICATION. In their response, they sent paperwork back for the original debt, but had only summaries of the debt not complete calculations of the ins and outs of the payments received, amounts reapplied, or even where this random shipping and handling charge came from. 
I sent a 2nd letter informing them they that they did complete what was requested, and even included their original response documentations with markups of what we were requesting along with another letter. Their response came shortly after only to be the exact same documentation with NO CHANGES OR BREAKOUTS like asked. Again their letter back states they are responding to my request for verification when i asked for VALIDATION. 
Validation of debt and verification of debt are two separate things when it comes to credit and debt reporting. 
I wanted break downs of the dates my payments were made, why their summary said no fees yet their total summary on a different page has late fee 's but no explanation and they have a shipping and handling charge of {$150.00} that I do not know anything about and I am not being given any information about this either. Especially since I have asked for them to provide the information as to how I acquired the debt and how they got their calculations. Within the 2nd letter sent back to them, on page 7 there are multiple notes pointing out the discrepancies within this billing and they have not provided me those calculations or information about how they came to be. Especially the shipping and handling fee of {$150.00} since this is a student tuition debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: BBVA FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
multiple unauthorized charges from out of state company appearing on account. disputed charges with Compass. Compass added the charges back to account without providing me any information or documentation i asked for. such as who is billing me for what? the second unauthorized charges simply listed " services ''. services which i never received or asked for. 

customer service rep i9 could barely understand and could not understand me told me i can do notin for you. call da company. i said what company. it says services. Compass rep replied, " yes ... just a de call services and they will fix it right up for you ''. he handed the phone to another guy seemed like XXXX or XXXX tried to talk like a cowboy and said, " how-dee what 's the problem ''. i explained to the supervisor what i told the other guy. he said, yep, it looked like a legit charge to him. i said it was thousands of miles away from me and i did not make this charge. supervisor replied, " so what 's the problem then? ". 

you can take a horse to water, but you ca n't make him understand XXXX enough to be a credit card customer service agent. 

COMPASS BANK DOES NOT CARE ABOUT ITS CUSTOMERS. nor does it understand them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One is negligent. I made a payment for {XXXX} on XX/XX/XXXX. It cleared my business account on XX/XX/XXXX and its still not showing up as an available credit. I called to complain and understood that it would show up by the end of the day. Its the end of the business day in my time zone and my money is not there. I sent them proof that the funds were paid out. If I have to close my business because I can no longer operate, Im suing Capital One for gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Comerica
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX 2021 at XXXXXXXX XXXX I paid XXXX XXXX {$150.00} on account ending in XXXX. Direct Express has no record of me paying this bill. I have a confirmation number from XXXX XXXX -- XXXX. A confirmation number means Payment Confirmation means a transaction document that can be part of a receipt, which shows a payment was issued or proof, evidence, approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing a complaint again as my right under FCRA and fair credit and billing act and HIPPA privacy have been violated. I have for several months trying to get TransUnion to resolve these collections below and the end of the complaint. I am filing a complaint again as there have not been any answers back from TransUnion as I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to TransUnion to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. TransUnion has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX to make inquiry. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to TransUnion to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. 

Collections XXXXXXXX XXXX XXXXXXXX Opened XXXX {$140.00} XXXX XXXX XXXX Opened XXXX {$570.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Bread Financial Holdings, Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Back in XXXX of XXXX, I placed an order via PayPal on my smartphone, while going through the routine checkout phase, I the checkout chart to complete my order, however, I proceeded to click on payment and accidentally click another feature, which appeared to be PayPal Credit, I was only trying to pay for my item, which totaled around {$8.00} or more, but it was a feature to apply for PayPal credit, which I was not trying to apply for credit, especially for the {$8.00} bucks I was spending. A month later, I received a hard inquiry on my credit report stating that I had applied for PayPal credit. 

The way they have the PayPal credit feature on the checkout platform is very confusing as if they are being deceptive to offer you PayPal credit unknowingly. Like I stated, I was only trying to pay for my order. I have reached out to PayPal and XXXX and each agency tells me I have to correct the error with the other agency, the credit bureau and PayPal are basically giving me the runaround. I would just like them to remove the hard inquiry from my credit report.

Company response to consumer: Closed with explanation