BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir, I am a customer of Citibank ( checking XXXX ) and I desired to make a private investment to a counter-party from such checking account. 
The investment agreement required me to have paid by XX/XX/XXXX and included a {$500.00} late-payment penalty if my funds were not available to the counter-party by such date. 
I triggered a check payment onXX/XX/XXXX through the citibank portal, and, given that my checking account had ample funding for the transaction ( and continued to have ample funding throughout ), the Citi-portal issued the corresponding check. 
The check arrived at the counter-party XX/XX/XXXX. With the check-arrival confirmed and ample funds in my bank I left for an extended trip into the XXXX region in XXXX, where I was offline for 10 days. 
The counter-party managed to cash the check, however, the debit to her account was immediately reversed by Citi 's internal fraud department, who suddenly, without any reason to do, decided that this was an unusual transaction and that they needed to speak to me on the phone to confirm 10 (! ) days after the check was issues through the citi portal, and one day after it was deposited by counter-party. 
As I was offline citibank could not reach me an called back the funds. 
As a consequence defaulted on the contract and had to pay {$500.00}. I have been in many many correspondences with Citi to reclaim the  {$500.00} without avail. 
My complaint is as follows : When issuing a check from a funded account I need to be able to rely on citibank making the payment. If there are doubts in citibank 's fraud department then those need to be addressed as the check is issued - not 10 days later when the check is cashed. 
Citi needs to own its mistake and make me whole.

To be very honest - with the time and effort I have investment to this date I feel {$1000.00} is more appropriate at this stage, as Citi is now  delinquent for 18 months. 
Best regards, 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 2019-05-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
At XXXX XXXX store, they asked me if I want credit card I said no and they asked if I want reward card that I can collect points and I said yes. Their reward card basically a credit card which they didnt tell me and I never received. Couple months later I get a call that I owe {$96.00} from the {$35.00} purchase that they said I did 2 months ago. They charged me {$61.00} late fee. I never received any bill, I had no idea I had a credit card and I dont even know if its my purchase. They are tricked me. After this experiance I asked my friends if they had XXXX XXXX XXXX card. They were all tricked by that too and one of them had to pay {$240.00} dolar for the {$5.00} purchase she made a year ago because of the fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-13
Company: Sunset Solutions Group, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was asked to come over to my Executive Director 's office. When I went over the ED and Human Resource staff was in there to let me know that HR had received a phone call from a XXXX XXXX at Sunset Solutions XXXX ext XXXX. During that phone conversation Mr XXXX disclosed that I will be served papers for bad checks. My ED asked that I return the phone call to Mr. XXXX and I did. Mr. XXXX was informed that on XX/XX/XXXX @ XXXX he can no longer call my place of employment. I was informed by Mr. XXXX that they will keep calling the HR department, that they will see me in court and that I will be served the morning of XX/XX/XXXX. I am filing this complaint because Mr. XXXX indicated that they will keep calling my employer, even after being told that they can not, he disclosed the nature of the phone call ( debt collection/bad checks ) with someone other than myself and threatened legal action without providing me any information regarding this.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX. US DEPT ED AND USDOE/XXXX. I have contacted FTC and local police.

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 2020-05-06
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: PLAZA HOME MORTGAGE, INC.
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the Executor of the Estate of my Parents XXXX ( DOD XX/XX/XXXX ) and XXXX ( DOD XX/XX/XXXX ) XXXX. They had a reverse mortgage on their home. In order to sell it and to satisfy the debts it needed to be repaired to get a certificate of occupancy which we received in XX/XX/XXXX when all repairs were completed. Since the date of my mothers debt I was told to communicate to the lender, Plaza Home Mortgage of all efforts to sell the house in the interim which i dutifully did. I was told that I would have until XX/XX/XXXX to sell the home before foreclosure proceedings started. In XX/XX/XXXX we got an offer to purchase the property at XXXX XXXX XXXX XXXX NJ for {$170000.00} more than the reverse mortgage. I communicated this offer immediately to Plaza. Almost instantly i began to receive foreclosure notices from their law firm in NJ XXXX, XXXX and XXXX demanding that the debt be satisfied by XX/XX/XXXX. I called Plaza and they said that they are required by ls to start foreclosure proceedings 1 year after the DOD of the last named owner of the home. I am now being subjected to mass mailings from the predatory lawyers for demands of foreclosure on the home even though i have explained that we have a pending offer. We have to pay for each of these letters even though they are not needed. I think that this is scam to make money for the law firm. I called Plaza repeatedly and was hung up on, told to " deal with it '' and hopefully the house will be sold before it is foreclosed. I do not think that this is in the spirit of the reverse mortgage program. I complied with every instruction and date given to me by Plaza and was told that i had until XX/XX/XXXX to sell the house. Being in foreclosure make sit more difficult to sell a home and its worse when accumulating legal fees from a predatory law firm that i have no control over

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: KBHS Home Loans, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
my wife and i left an Ernest money on XX/XX/20 with KB Homes to build a house. according to XXXX XXXX the Sr.Sales Manager of the loan company we have been approved on XX/XX/20. apparently loan company was trying to resolve the issue of me having another mortgage and i clearly signed a contingency form with them to sell my home prior to closing. finally on XX/XX/20 the loan company ( KBHS home Loans ) notify me about the status of the loan and carrying two mortgages in the same time. I just ask them what are you guys so concern about the second mortgage while i signed a contingency form. now a month and half passed my Ernest money which was a cashier check was never cashed out, their sales department which is the builder had no communication what so ever about the status of the loan. 
my wife and I decided not to do business with kbhomes due to lack of interest and care to sell us a home. 
Its interesting to let you know when i called and asked for my refund they gave me the same cashier check that i gave them. my check was never cashed at all. and they agreed to cancel the whole transaction without any argument. thats odd. it sounds like they know they made a mistake. 
i called and asked XXXX nicely to remove those inquiries because of their mis-communication with the builder and wasting my time. 
she just emailed me and said we cant. this is her info. 

XXXX XXXX Sr. Sales Manager XXXX Division NMLS # XXXX Office : XXXX E-Fax : ( XXXX ) XXXX XXXX Branch NMLS # XXXX KBHS Home Loans , LLC | NMLS #  XXXX | kbhshomeloans.com XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX, TX XXXX KBHS Home Loans , LLC is an Equal Housing Lender

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacted company to ask a correction on the lenght of credit history with the XXXX XXXX XXXX. They said the could correct the error because the amount time expired when was reported. My original account opened XX/XX/XXXX. XXXX was active to XX/XX/XXXX when they attempted to correct their mistake and close the account on paper but in XX/XX/XXXX they changed my number because I did not have my card for a in store purchase and changed my number triggering the start of a new account instead of continuing my current account in their hast to make the sale. Months later I noticed receiving two different statements a month. When contacted they claimed it was not correctable but yet the account was on the credit report open until XX/XX/XXXX. My complaint is that my length of credit age with that account was incorrectly shortened by 11 yrs which understates my overall average credit age. I did not see my dispute # XXXX with Transunion correct the error. Actually the opening dates of the account opened in XX/XX/XXXX has been changed according to an updated XX/XX/XXXX XXXX XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Fraudulent account XXXX  XXXX  XXXX XXXX date opened 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 2019-01-29
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
A payment in the amount of XXXX made on XX/XX/XXXX covering the months of XX/XX/XXXX and XX/XX/XXXX will more than likely get returned. I was expecting a tax refund to cover this payment, however, it is delayed due to government shutdown. I have been making small payments via bill pay through my XXXX card in the amounts of XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. I will make another payment on XX/XX/XXXX via bill pay, which should post by XXXX at the latest. My tax refund should be deposited about a week thereafter, however, I am not certain. Please request XXXX XXXX  to allow me more time before repossession of vehicle. I will continue to make payments via bill pay which are electronic in the mean time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was exploring the Barclays Uber Visa card website XXXX XXXX XXXX XXXX XXXX XXXX when I saw the credit limit increase button. I clicked on it to request an increase because I had this card for at least three years, and never once did their system update my credit limit from a low {$500.00} to a more fair value related to my credit score or history with the company. So I click this button to ask them to increase my credit limit without seeing anywhere they would process a hard inquiry to increase my credit limit. If I knew that they would make a hard inquiry, I would not have requested the increase. After all, none of my other credit card companies have charged me for a credit limit increase. Furthermore, none in the past have made a hard inquiry if I initiated this change. Therefore, I feel that the Barclays card was not clear enough disclosing that they would perform a hard inquiry. 

When I called their customer service line ( XXXX ) today, XX/XX/2021, at XXXX XXXX, I was able to connect with a representative who told me at approximately XXXX XXXX PT that she was not for sure where the wording is ( but is claiming it is somewhere like on the website ). I asked her to connect me with the department that would know more about my credit line increase questions. They placed me on hold, and then they hung up on me XXXX or it disconnected XXXX instead of being transferred to the department that would know more. On the next call at XXXX XXXX I requested that the customer service representative connects me with their department that would know about the credit line increase issue and questions I would have. This agent also put me on hold, but they eventually shared a line and, although vague, confirmed a disclosure is somewhere and that this is the company policy. She was also unclear about how their " system '' would determine credit line increases. Nevertheless, I would like them to remove the hard inquiry because it is not readily apparent that I would receive a hard inquiry to request a credit line increase with Barclay.

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 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I called XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX  stiff refuse to update the information. 
XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ).

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

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 2019-01-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to freeze my Experian Credit Report using the online form. I received a message stating I would have to send by USPS mail my information which included everything needed to steal my identity so I so not want to do this. When I called the customer service number I was asked my SSN which I do not want to give out over the phone. I repeatedly tried to get a human to talk with but then they disconnected my call. I have tried this several times. 

Is this legal? I should be able to talk with someone without giving out my SSN.

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 2017-10-09
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:
Personal Identity have been compromised. Security of my personal SSN, Mailing address, Date of Birth, Full Name was Breached. Was not notified of Security breach. Had to discover security breach on later date. Company only able to offer automated voice message as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection placed on my credit XX/XX/2019 for a account i have never had or heard of for XXXX cable. They FRAUD collection company that placed it on my credit reports is claiming its from XX/XX/2019. I havent used comcast in 10 years and dont owe a debt. This is not my account at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
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:
I called XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX  stiff refuse to update the information. 
XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ). 

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I placed a fraud alert on my credit file on or about XX/XX/XXXX with the XXXX   Credit Reporting company. I received an acknowledgement from the credit reporting company TransUnion on or about XX/XX/XXXX of the receipt of the fraud alert and it provided accompanying information on the method of receiving the free report associated with this status from the url fraud.transunion.com. This website was unable to process the request. A written request for the free report associated with the fraud alert was sent to TransUnion with the same documentary attachments requested of the free annual report.

On or about XX/XX/XXXX TransUnion delivered another acknowledgement of the fraud alert on the account and its intent to inform the other two credit reporting companies of this alert. It has failed and refuses to meet its regulatory obligation of providing the free credit report. Please compel this company to meet its obligations and deliver the credit report.

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 2019-01-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JPMorganChaseMortgage paid my XXXX XXXXl Homeowner 's policy 6 plus weeks in advance ( on XX/XX/XXXX ) {$490.00} when it is due XX/XX/XXXX-XX/XX/XXXX period, created shortage in escrow account, I asked them to pay end XX/XX/XXXX, early XX/XX/XXXX.

New escrow analysis ( XX/XX/XXXX-XX/XX/XXXX ), showed due in XX/XX/XXXX, {$500.00} for anticipated H/insurance they paid XX/XX/XXXX..

{$490.00}. This XX/XX/XXXX paid out from escrow, deliberately LEFT out of activity current escrow period XX/XX/XXXX-XX/XX/XXXX.

JPMC, created escrow shortage and now increased my monthly payment for " escrow shortage.

Spoke with XXXX XXXX ( XXXX x XXXX  ) who was closing the escrow effective XX/XX/XXXX. Does not likely to happen.

JPMC has mismanaged my escrow account prior to this and I requested to cancel the escrow.

Company response to consumer: Closed with explanation