BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to starve off foreclosure and i was told in XX/XX/XXXX by the bank SLS a payoff of arrears of {$220000.00}, now i finally got together {$240000.00} together sold a business and i then requested in XXXX the payoff from the bank that was good through XX/XX/XXXX they send me a payoff of {$280000.00} now my mortgage per month is only XXXX per month but the bank increased the payment between XXXX 1 month of {$60000.00} increased and all my taxes were paid nothing outstanding so i questioned the bank and requested them to explain how my mortgage arrears went up {$60000.00} in one month? they have refused to get back to me or my attorney XXXX law handling this. The most my arrears should of went up in one month is {$3200.00} not {$60000.00} ... the bank is stalling because the longer they get back to me the more the mortgage arrears goes 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 2017-09-26
Company: EQUIFAX, INC.
State: IL
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:
XXXX, XXXX, Equifax all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: SYNCHRONY FINANCIAL
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:
There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.

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 2022-02-04
Company: CITIBANK, N.A.
State: NJ
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:
I spent {$7700.00} at XXXX in XX/XX/2021 using my Citi XXXX  credit card, with a refund of {$1700.00} from the merchant on XX/XX/2021 ( the transaction details are attached ). The net amount I spent at XXXX was {$5900.00}. These transactions with XXXX qualified the 5 % cash back for the 4th quarter of XXXX  in total resulting in nearly {$300.00} cash rewards. The rewards was redeemed and the balance was 0. Now I have a negative balance ( - {$88.00} ) and was informed by Citi this was due to the refund from XXXX on XX/XX/2021. 
I have contacted Citi and requested a review of the cash dollars on a quarter basis. But the response insisted the negative rewards was caused by the XXXX return during the billing cycle, without considering the overall amount I spent at XXXX in the 4th quarter of XXXX. Apparently the claw-back of the XXXX  dollars is completely wrong because the overall net amount I spent at XXXX last quarter was {$5900.00}, which equals to {$290.00} cash back. I am very disappointed that Citi never takes customers request seriously and I dont think Citi is willing to resolve the issue.

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 2018-01-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, a XXXX XXXX from Fair Collections and Outsourcing called my phone # of XXXX and divulged to an unauthorized 3rd party that I owe a debt. Thereafter, this person also called my work and left a voicemail at my extension stating that there is debt owed. This, I beleive, is considered as unfair practice. 

On XX/XX/XXXX, the same person called XXXX six times which constitutes harassment. 

Secondly, i have not received any invoice or debt validation showing the breakdown of the amount of {$7400.00} that they are saying that i owe. i also would like to request for a copy of the contract.

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 2018-01-11
Company: EQUIFAX, INC.
State: NC
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:
Step 1 : What is this complaint about? XXXX XXXX XXXX XXXX XXXX continually neglects to report payments & good standing to my credit report & my Husband 's credit report. 

Step 2 : What type of problem are you having? There are 3-5 month gaps between reporting which means we do n't get the points we are owed. Which does n't increase our score as we deserve. 

Step 3 : What happened? When we complain they only respond that they tried & have no control over the reporting. When I contact Equifax they just remove the account. WE do n't want them removed we want our missing points!! How can we buy a house & be fairly evaluated without the entire picture? This has been going on over a year. We paid off an auto loan as well that is n't showing on my report, but shows on my Husband 's report with missing months. 



Step 4 : What company is this complaint about? XXXX XXXX XXXX XXXX XXXX & Equifax Step 5 : Who are the people involved? Manager XXXX XXXX & Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Hayt, Hayt & Landau, LLC called my husband 's employer without permission, humiliating my husband in front of his boss and peers. He has only been at this job for 3 months and this is phone call damaged his reputation and character. My husband is a XXXX XXXX XXXX ( outside ) and would never take a phone call in the office. 

Hayt, Hayt & Landau, LLC https : //www.haytlaw.com/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband and I used a PNC home equity loan to pay for golf school for our son in XX/XX/XXXX or so. The loan was backed by our home. We sold the home in XX/XX/XXXX so all should have been paid but they were not unknown to us. We received 2 late notices for XX/XX/XXXX & XX/XX/XXXX. Then started to make the payments. In XX/XX/XXXX they sent a bill for {$32000.00} to be paid in full. We have reached out several times for a payment plan but they will not work with us. We went Into the bank to apply for a loan but since we dont own a home for collateral they will not give us a loan. We called the XXXX number and had the problem w the escalation team. I have not had a phone call to give status or resolve this. We tried to use the home we are building as collateral but since the closing has been pushed from XX/XX/XXXX to XX/XX/XXXX they will not work with us. They are destroying our credit to where we cant get any loan. PNC had a lean on the house we sold. We are trying to file a claim with the closing company. XXXX XXXX XXXX. Attorney XXXX XXXX XXXX but he has not responded. 
I tried to call the president of PNC bank XXXX XXXX with no success of a return call. I dont know what to do get the loan paid off and fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: OneMain Finance Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My previous home located at XXXX XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX was foreclosed on in XXXX, XXXX and no notice was given regarding the impending eviction process. I was thrown out of the house without notice from the XXXX XXXX XXXX XXXX Sheriff 's office or the mortgage company prior to this event occurring. 
The loan which I had with XXXX was a predatory loan and I was preparing with my legal counsel to address this issue and I advised XXXX of my findings regarding the loan. Subsequently my loan was immediately transferred to a third party lender by the name of XXXX XXXXXXXX XXXX located in XXXXXXXX XXXX I contacted XXXX XXXX on several occasions regarding access to paperwork in my file and was denied access by the bank employees. XXXX XXXXXXXX XXXX  was destroyed by hurricane Katrina and no longer exists, however XXXX has reorganized as of XXXX and is now One Main Financial. 
This entire matter was predatory from the beginning of the signing of the deed of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX, I transferred XXXX bitcoin from Bittrex.com to Coinbase.com. While XXXX shows the transaction was completed and successfully sent, Coinbase does not show that any amount of this transaction was received, or even pending. There 's no evidence on Coinbase that any bitcoin was received at all. I have contacted Coinbase about this issue twice in the past, once via the online support on XXXX/XXXX/XXXX ( Case ID : XXXX ), then again through Coinbase 's telephone support on XXXX/XXXX/XXXX ( Case ID : XXXX ). These cases are still open on Coinbase and unresolved. I have been unable to gain access to my funds in nearly 3 weeks. 

Through XXXX I was able to find my Coinbase address to which I sent my Bitcoin, as well as the Transaction ID : Address : XXXX TxId : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Kabbage by American Express checking account three months ago. I was using the account without issue, when suddenly they locked the account as a fraud preventative measure. The problem is that Customer Service is non-existent. I can not get anybody to pick up the phone ( after waiting on hold for over two hours ), respond to emails, or respond to secured messages from within the checking account interface. They appear to have ceased all communication with myself and many, many other people, judging from data points reported on the internet citing an identical experience : opened an account, used regularly without issues, sudden locking of the account, and a refusal to answer questions. 

The account also has money in it that I can not access or withdraw. They are holding my own cash hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Volkswagen Credit 's website avoids telling consumers what their actual balance is. The account details page has nothing about balance, the payoff quote page does n't give payoff quotes, just asks for bank account numbers. Nowhere on the site does it have anything about balance. There is a corner where you can download pdf files for offline viewing which so helpfully have PAST statements about two months old, though these focus entirely on the billing aspect, deemphasizing the remaining balance. 

However, since I 've made a couple large payments recently, it goes so far as discouraging further payments until two years from now. It suggests I do n't make another payment until 2019 XXXX, and makes a huge deal about how " nothing is due '', and " no payments necessary ''. 

In short, they want consumers to be uninformed about what they owe and let their balances sit and accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: GA
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 XX/XX/2020 an derogatory account was reported for the XXXX. I'm filing a claim under FCRA Section 623. I'm in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Heartland ECSI a distributor for XXXX XXXX released a deposit on XX/XX/2019 for {$130.00} to XXXX XXXX in error because the XXXX account or routing numbers matched the system as a XXXX XXXX account. I have disputed error with both banks since last week and my money has not been returned to XXXX to correct and release to me. Please contact XXXX and XXXX XXXX to straighten out situation. Thank you this is XXXX XXXX SS # XXXX email address XXXX phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 just filed a complaint and Im highly unsatisfied. Transunion removed inquiries and placed them back on my file without notifying me and this is against the law. I expect them to be removed. Now since I previously filed my complaint I will not list the inquiries again. They need to do their due diligence and remove them or I will file a complaint with the attorney general

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 2021-10-27
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint against National Credit Adjusters located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX KS XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, this company has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: United Check Recovery Bureau, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was first contacted by XXXX XXXX with UCRB ( telephone number ( XXXX ) XXXX ) on XXXX/XXXX/XXXX claiming that he was with UCRB, he was looking for a verbal statement from me for his final recommendation on a matter so he could submit paperwork. He reached out to a family member as well prior to contacting me. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. If I did not do this my wages would be garnished. I contacted the original debtor and was advised that my account was in fact transferred to a collection agency ; however the agency name was XXXX XXXX XXXX management and not UCRB ( where XXXX was calling from ). I tried to contact XXXX at phone number XXXX, ( provided by the original debtor ) and was unable to get thru, a message from version played that my call was not able to be connected. I googled XXXX for another phone number and was able to locate phone # XXXX, however to no avail there was a voicemail message asking for you to leave a message however their inbox is full and your call is disconnected. Please keep in mind I have never recd paperwork from this company ( UCRB ) in the past and now they are threatening garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I defaulted on a XXXX XXXX loan. I started receiving correspondence from US Department of Education with debt total of lil over XXXX. I started making payments of 2 to 3 hundred a month while working over XXXX XXXX XXXX. I take the winters off and haven't made payment since XX/XX/2017. I just received a letter from XXXX XXXX , XXXX stating amount due XXXX. I do believe my balance with The US Department of Education should be around 3,500.00. So who is in charge of my debt? I'd like to finish paying this off when back on XXXX XXXX this year but don't quite understand where I stand and who to pay. Please help me understand. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I recently checked my credit report on XXXX XXXX and I saw that there was a hard inquiry from XXXX XXXX XXXX XXXX on XXXX XXXX, 2017. And I wanted to dispute this action, I have not attempted to open an account with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
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:
I XXXX XXXX, a federally protected consumer received a credit alert notification that I had a late payment for the month of XXXX reported by PHFA when the payment was made on XX/XX/21. This is a billing error thats needs to be rectified. A late payment is not defined by federal law. This inaccurate information is false and needs to be corrected immediately as this is a burden on my self and my family.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
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: Information belongs to someone else

Complaint:
sent the ftc violation with XXXX XXXX  and XXXX XXXX ftc violation

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 2019-04-15
Company: EQUIFAX, INC.
State: MS
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 disputed a late payments on my credit report that were showing from XXXX XXXX XXXX on XX/XX/XXXX. As a result of the investigation the status did not correct the late payments. But instead it changed my status from Paid with having the late payments to a Charge off. I was totally confused by this because my truck was paid off in XX/XX/XXXX. So I contacted the bureaus and they stated the charge of was I XX/XX/XXXX. I sent the bureaus proof which were bank statements that showed I made the payments to XXXX. I also sent the same bank statements and disputed it with XXXX. The bureaus continue to sent me result letters stating that the information is verified by the creditor. They are ignoring the fact that I showed them the bank statements showing I paid the truck off. The bank statements show payments made in the month they show late payments and charged off. This is not Fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A XXXX XXXX XXXX account was opened in my name on XX/XX/2016 account number XXXX routing number XXXX. I didn't approve or authorize the opening of this account and it was left with no negative balance. This account is also reporting with a phone number XXXX that does not belong to me and an address that is not mine.

Company response to consumer: Closed with explanation