BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XXXX of XXXX, someone in far away California, who had probably found a way to clone my card, and deduce my pin number ( as informed by Police ) went ahead and deducted {$160.00} from my account. At XXXX on the same day, I in XXXX Maryland tried to check for my payment from my job, and found the said amount had been deducted, since then I have requested investigation, reported to the Police, yet Citibank keeps reimbursing and then going ahead to later deduct this said amount, after they claim that " this activity is consistent with my normal banking activities '' ... Please how would I have used my ATM in California at XXXX and then come to my bank in Maryland at XXXX and XXXX to complain?? How could I have gone to work the night before in Maryland then be in California by XXXX on XXXX??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Hello, I am having a problem with a credit card obtained from Navy Federal which I am making payments on and against the balance owed. My payment history is not reflecting as it should and thereby keeping my credit scores low, in a time when I need to purchase a home and make transactions which a lower score ( as the types identified with late payments ) will keep me in a higher interest bracket.

I called Navy Federal and they said they would not report my payments until the entire balance is paid off, again this is something that has never happened and which is detrimental to my advancement in the purchases I would like to make and the interest for which I believe I should qualify. 

I opened the account while I was XXXX in XXXX and am a XXXX  veteran. I would like assistance with this matter and would like the payments to show as they should so that potential lenders can see that I am indeed making payments and meeting my obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Over the weekend I tried to pay the loan off but couldn't. I had to call in order to process the payoff which resulted in additional interest accruing. The person I spoke with confirmed they do not offer any option to pay the loan off online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Tiptree Financial Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage originator repeatedly asked for us to falsify information on official documenst, and also for our CPA to blatantly lie on official documents. 
He was replaced with another partner in the company, and we are being told that our loan approval is contingent on the release of our daughter 's medical history - an obvious HIPAA violation. She was adopted from XXXX XXXX, and the mortgage company is including the XXXX XXXX XXXX payments as part of our income. They have received every page of every form they have asked for, but with her medical history retracted from the form. They tell us that releasing this information to underwriting is the only way they can approve us for a mortgage. 
This is all after months of working with this company, and being told all along that we were already approved for the loan. Now our home has already been sold, and we are in escrow on a new home. They are delaying the process unnecessarily, which could ultimately cause us to lose our bid on the new home, and potentially have nowhere to live at the end of the month, when we are required to move out of our current home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$37.00}, {$91.00} and {$290.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this collection agency and have never received any information from them prior to my credit report being threatened with negative remarks. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in the short sale process for ALMOST 16 MONTHS now. The property is located XXXX XXXX XXXX XXXX, XXXX XXXX Connecticut XXXX. 
Mr. Cooper is a shittiest company. It's HORRIBLE customer service, I have a buyer who is able to meet their the value of the home. A buyer made a full offer and Mr. Cooper has not been looking at my short sale package and let my file sitting there for over 4 months. It's horrible to get Mr. Cooper response and issue an approval short sale. I already lost one buyer due to their nonresponse. Mr. Cooper has been really hard to deal with short sale/forclousure. Mr. Coooper executives, management and shareholders shoule be fired? sitting in the office get paid check and doing nothing but check email 1 a week. Even if they check email they still didn't response. Department justice should step in and get them pay for the price. No one should have mortgage with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX and # XXXX, XXXXXXXX XXXX  : # XXXX and # XXXX, XXXX : # XXXX, XXXX : # XXXX and # XXXX, XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX  XXXX : # XXXX and # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting for a update to all three of the credit reporting agencies for me XXXX XXXX and XXXX XXXX for 30 + delinquency reporting for XX/XX/XXXX and XX/XX/2019. I have encountered some medical issues in the beginning of 2019 and have tried my best to keep up with my bills. I am asking for a goodwill update due to the unforeseen circumstances with health that caused the payments to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a Citi Bank credit card account for over 14 years one of my oldest accounts, that has stopped reporting to credit bureaus which have affected my credit score and credit history, especially now that I was looking to get a new mortgage.

How can you help?

I have talked to Citibank much time, they told me they have email credit bureaus with my account information, but is still not showing in my credit reports. 

Thanks, XXXX XXXX XXXX XXXX Here is my account Information : Member Since XX/XX/XXXXAccount number ending in : XXXX Billing Period:XX/XX/XXXX-XX/XX/XXXXRevolving Credit limit {$20000.00} Available Revolving credit {$20000.00} Account number ending in XXXX TTY-hearing-impaired services only XXXX XXXX   XXXX XXXX XXXX, SD XXXX Includes {$1100.00} cash advance limit

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 2021-12-01
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I, XXXX XXXX XXXX, do not agree with the resolution of the claims that I submitted to Citibank for unauthorized transactions on my account on with my debit card that is in my possession locked in my room drawer. 

The reason for my appeal is that I am a XXXX senior citizen that has been in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX. Washington, XXXX XXXX facility did not allow food or drink to be delivered to the residents at any time. XXXX XXXX also did not allow the Seniors to leave the facility at any time, except to go to XXXX appointments in the XXXX XXXX. 

I filed the below fraud cases with Citibank. Please investigate ; CITIBANK Fraud case ref # XXXX for XXXX transaction equaling {$710.00} CITIBANK XXXX case ref # XXXX for XXXX transactions equaling {$1400.00} There is no way any XXXX XXXX or XXXXXXXX XXXX could be used during the periods in question. The Citibank representative informed me that Citibank put the funds back on my account and then took the funds back out of my account stating " Citibank did not have enough information to find out who defrauded me. '' If this is true, then why would my own banking institution allow me to be frauded by anyone and NOT support me after I have trusted Citibank with my retirement funds that I use to pay my monthly mortgage, utilities and living expenses now that I am back home from the facility. 

I have lost faith in Citibank as my Financial institution because of this. For these reasons I request this action be investigated and reversed because this is an unjust decision, and I should not be victimized twice by my own financial institution that is supposed to aid me and protect me and my retirement funds.

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 2021-08-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Three ( 3 ) mortgage servicers erroneously reported my mortgage as late on various dates ; beginning from XX/XX/XXXX through XX/XX/XXXX. 
I engaged a law firm to conduct a formal and written audit as the account was serviced and transferred from each servicer. Upon receiving the report showing substantial inaccuracies in the servicers reporting of those mortgage payment lates, I first disputed them with the three credit bureaus ; beginning on XX/XX/XXXX. 
When the credit reporting was not corrected, I then ( in writing ) began disputing the erroneous information directly with the servicers on XX/XX/XXXX, including a copy of the audit report. 
To date, the servicers and the credit bureaus have not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: U.S. BANCORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been working to transfer my registration from XXXX XXXX to XXXX since XXXX of 2021. US Bank is my leasing company, they will not release the title to my insurance agency. My registration expires tomorrow leaving me without a car to get to work with. My insurance agency has made numerous requests for the title that have been disregarded, while US Bank only claims to have one request from XXXX, which they still have not acted on. I have called US Bank a total of 31 times, and have received misleading information about how to transfer my registration to Massachusetts. Spent 45 hours on the phone with them trying to work this out, and taken two days off from work to go to the RMV to try to get it resolved. I was told by an agent to send my updated name change documentation ( marriage license + social security card ) to XXXX, confirmed update 2x, and then was told by another agent that my name change did not go through and that no documents can be sent for name change via email, so my identity may have been compromised by an agent. Also being charged illegally for Mass tax on an exempt vehicle according to RMV ( open case with US Bank # XXXX ). US Bank will not share a timeline for the title to be released and continues to tell me that it is within my lease contract for them to refuse to release the title and force me to pay for a car I can not use. My case was " escalated '' last week and I was told someone would reach out to me about it but called yesterday and found out it was not escalated after 50 min of waiting, they then stated to call back today as it should be resolved. Today was told the company was 24 days behind, even though my request is significantly over 24 days old and told I would need to be " more patient '' while I potentially lose my job with no resolution in sight. Have requested multiple times to be followed up with and have never been. Formal complaint with US Bank ( # XXXX ) for overall experience.

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 2018-01-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax is reporting negative accounts on my credit file that are listing me as an Authorized User. I don't want to be on anyone else 's credit. I called XXXX XXXX XXXX XXXX and they stated that they requested Equifax to remove me from the account. Equifax refuse to do so I contacted XXXX XXXX and the same response, however, Equifax continue to report this information on my credit I contacted XXXX XXXX and the exact same response, again Equifax refuse to remove this from my credit. 


I filed a complaint on Equifax and they responded that they are still working on the issue. It has been close to 90 days since I have disputed this error on my credit file with Equifax I still have not received any response to my disputes or anything from Equifax, yet they are still reporting the accounts that are not mine on my credit file. I am being denied credit and a job due to Equifax reporting these errors on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Company lied about interest rates and i never even used the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I opened a new checking account at Simple. Followed the instructions provided to link an external account to transfer funds into this new checking account. 
I also followed all instructions to provide proof to verify the linked account. 
The I transferred {$55000.00} into this checking account from my external linked account. 

In order to take advantage of the 1.00 % APY, I opened a Savings Goal account in Simple. Trouble started after this. 
I was not able to move any money into the savings goal account, with no explanation provided as to why. I notified support and I was given no response for more than a week. After multiple notifications to request answers, I was told I had not verified my external linked account. When I provided proof that I had indeed verified, they again stopped all communication. 
It has been 1 month since this and now, they have frozen my account, denying me access to my {$55000.00} completely. No one seems to know what is happening, except my hard earned money is stuck within their system. 
Repeated requests only get a response that they are working on it, but for the last one month, there is no evidence of any progress on whatever they are working on. 

On XX/XX/2020 I requested to close my account and initiated an ETF to transfer all my funds out. This was also denied. They cancelled my ETF request with ACCOUNT FROZEN and no further explanation provided. 
The bank has so far, refused to work with me to solve this, and deflects any request for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep getting calls from XXXX. When I answer they ask me for my social, date of birth, and address. I refuse to give them my personal information, so I was told there would be legal action against. I have never received any letters from this company, before these calls. Its a lot of scamming going for on. I tried calling back, but they still wanted all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Maximum Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My loan is for {$4000.00} with a payment due on the XXXX of the month for {$200.00}. I was contacted on Sunday which was the XXXX of the month and asked for payment. I informed the representative that I could not pay until the XXXX of the month. The representative would not allow me to adjust the my payment date and stated the collection efforts would continue. Every two hours I was texted and called in which I answered the text and phone calls repeating that I could not pay until the XXXX and that I would also pay the late fees at that time. On Monday I repeated the information to all the various phone calls I also receive on Monday. The representative stated they needed my car until I could pay the payment. I repeated that I would pay the payment on the XXXX plus the late fees. 

The representatives were now becoming aggressive and threating to call and text my employer and that the are going to report my car stolen. I repeated that I could pay the {$200.00} in 7 days along with the late fees. They continued to harass me by phone, email, text and I replied to all of them with the same answer, I can pay on the XXXX and all late fees. 

Wednesday is today, and the representatives are calling around to my business relationships and threatened to report the car stolen. 

I have called the business, Maximum Title loans, and have attempted to speak to a individual about my account and have had to leave voice mails and have not bee called back, yet I have been asked 3 times to surrender my vehicle without explanation. 

Please assist me in mitigating the damage to my personal reputation and business well being from being slandered by these debt collectors and assist in obtaining reasonable terms of repayment and ability to request a payoff and close the account. 

My name is XXXX XXXX XXXX and I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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