BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Bank of america XXXX credit card on or about XXXX XXXX 2017. But the application is denied even when i am having the credit score of XXXX. At the same time Bank of America did n't provided any reason why the application is rejected? Moreover no instructions in terms of how they made the credit decision and how to acquire the free credit report. This is the clear violation of standards and standard operating principals. Worse than that - they send me a form to apply for the secure credit card to build the credit history, what??? It was just to rub the salt in my wounds. I never opted for getting any marketing or any other sort of material so why they are sending at 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 explanation
Consumer complaint received 2021-10-18
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a threat to sue me and get a judgment for and foreclose on my HUD reverse mortgage because the accrued interest and charges are exceeding the original loan amount. A reverse mortgage is exempt from any such action and can only be foreclosed if the borrower does not pay all the required property taxes and insurance. This company has illegally and improperly force placed additional insurance on my home even though each time they have requested additional insurance I have increased the amount and paid the additional premiums to my insurance company. My last statement from them includes an amount of {$110.00} charged to my account and {$100.00} refunded for the alleged " shortage '' in my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: TN
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:
I received a letter from XXXX XXXX regarding a disputed Past Due Payment of XX/XX/XXXX, on XX/XX/XXXX. I confirmed with XXXX  that they sent the report to Equifax on XX/XX/XXXX. In the letter attached, it clearly states that XXXX is removing the Past Due from my account and updating it as PAID AS AGREED, cleared of any delinquencies and supplied an AUD confirmation number ( XXXX ), as well as 2 other AUD # 's over the phone ; XXXX & XXXX ) to reference when speaking with the credit bureaus. On XX/XX/XXXX, I received information from my XXXX account that my credit report updated and showed no discrepancies with any of my accounts and my credit score jumped over 104 points! I proceeded to apply for a mortgage refinance and found out after they ran my credit report that Equifax and XXXX  were reporting very low scores and was advised to contact both regarding the discrepancies that were still being reported. I called Equifax on XX/XX/XXXX and referenced the AUD # 's. They would not confirm the AUD # 's nor would they answer any questions regarding adjustments, only that XXXX XXXX did not send them any information to clear up my records.  I went on for 6 1/2 hours going back and forth with XXXX and Equifax! Both blaming the other in what they needed to do in order to adjust my credit score/report. My cellphone has a record of more than 15 calls totalling up to 10 hours wasted. Today, XX/XX/XXXX I was provided an AUD # XXXX from an agent with XXXX XXXX. I was told it was created yesterday after my multiple conversations with them and it was confirmed being sent to Equifax today. The agent informed me to reference this number when I called Equifax. Again, once I spoke with the agent from Equifax, he would not accept, confirm or deny the AUD # and continued to direct me to contact XXXX XXXX to send an update to remove the discrepancies on my account. I don't know who to believe or what they are telling me is even accurate. Simply, I am caught in the middle and feeling helpless to find any resolve from either company, all the while, we are still being held back by both companies not being able to take advantage of the low mortgage interest rates and removing any financial strains of debt during this horrible pandemic and failing economy. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: GOLDMAN SACHS BANK USA
State: TX
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:
I refinanced my loan through XXXX and a distribution was sent to Marcus on XX/XX/2021, in the amount of XXXX via USPS with my loan number, XXXX noted. Since that time, I have opened two cases with Marcus to location the check and confirmed with XXXX  that the check was sent to the correct address below : Goldman Sachs XXXX XXXX XXXX, PA XXXX Marcus had delayed the posting of this amount and refuses to investigate the situation despite my to requests to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-06-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019 I made a deposit into my chase bank personal checking account in the amount of {$20000.00} I waited the 10 business days it takes for a deposit of that size to clear and post to my account which it did no problem however as soon as the money posted to my available balance my account was locked and ultimately closed for whatever reason Im not sure ok fine not the problem its going into XXXX now and I still havent received my funds and after speaking with my personal banker I was informed that indeed a check had been made but theyre refusing to send it to me and I feel like theyre discriminated against me for my age or something Im not sure what the problem is because I also had a business account with them that was closed the same time with {$17000.00} in it and they didnt have any problems cashing me out the entire amount in the branch however I still havent received my {$20000.00} from my personal account even though I know a check has been made theyre essentially refusing to give it to me going on a month now without my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive ask Wells Fargo to take XXXX every two weeks out of my pay check. They always get the first payment correct then 2 weeks later they only withdraw XXXX. This is not what I asked for 2 months in a row. Both times the said they would fix problems.

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 2020-04-29
Company: Paypal Holdings, Inc
State: NE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was selling products through XXXX and Paypal for my XXXX XXXX XXXX. I started selling XX/XX/2020 and on Friday was hit with an account hold where my {$6000.00} in funds from sold items was held because they said I violated " User Agreement ''. I read the terms and didn't see anything I did that violated that. I sold some items, but all were okay with XXXX and everyone was previously listed on XXXX by someone else with no problems. 

Paypal is holding my {$6000.00} for 180 days at least, and won't return my messages and won't call me even though I've requested it. As a new XXXX I really could use this money, I don't believe I did anything wrong at all. Their resolution center just said there's suspicious activity so they shut me down. To top it off I have items now that I'm getting negative reviews on because people won auctions but can't pay for their items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent in a request for information that was violating my rights as a consumer the 3 major credit bureaus. I was told that the court reported the information to the bureaus and it was very clear that it was a third party that the incorrect information was reported from. I have been communication back in forth with the court and the bureaus regarding this matter and it has caused a lot of stress for me with my credit being damaged and its not allowing me to get the full credit that i deserve.

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 2021-02-15
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase on XX/XX/20 for {$16.00} using my Comenity credit card. A few days later I attempted to create an account online so that I could pay the balance. The website did not work so I used the automated phone service to establish my account and pay the balance. It appeared everything was fine. 

A week or so later I find out Comenity charged me an additional {$18.00}. They say I did not provide the correct routing numbet and/or account number from which I paid the balance so they are charging me the penalty of {$18.00}. I did not provide incorrect information. 

I asked Comenity to provide me the routing number and account number I provided them hen paying my bill and they REFUSE to provide thst information. 

I refuse to pay an {$18.00} penalty fee when they refuse to provide proof that I SUPPOSEDLY entered incorrect information. 

I have approx 7 pages of email exchanges I've had with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15
Company: Selene Finance LP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a loan modification or refinance from Selene Finance. They sent me a list of documents I needed to submit, which I did. Then they requested completely different documentation and " deemed my application incomplete '' and denied it. This has happened at least five times. They refused to process my application for HAMP and HARP. They did not fully disclose the terms of " blind offer '' during mediation. They are in violation of TILA and now the company has been sold I do not know who I need to contact to resolve the mortgage. The company is the worst to deal with. Always a different person when I call. Always an argument. Never able to speak to a Sr. Supervisor. Corporate policy never disclosed and legal grounds supporting company policy never revealed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: NC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-06-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have reported four times to the Equifax that the same item was placed on my credit report and it was incorrect. I have sent them documents each time demonstrating that the same item, which was for {$140.00} was not owed. Three time they have removed the item, after their investigation demonstrating that I did not owe the money. 

Twice now I have reported the false reporting of this item to the Consumers Affair Bureau under complaint number XXXX and XXXX. The first complaint was closed out demonstrating that I did not owe the money. The second complaint is still open with the Consumers Reporting Bureau, however I received notice from Equifax on XX/XX/XXXX that they have verified the information that I owe the money and closed the case. 

This has come full circle, as once before Equifax stated that they had verified the information for the same item and when I requested to see the information, they changed course and removed it from my credit report, as verification did not exist. 

This time I contacted the collection company ( XXXX  ) directly and requested the verifying information that I owed the money. I spoke to XXXX XXXX on XXXX at XXXX XXXX. Ms. XXXX stated that she did not have the verified information, but that a letter had been sent to XXXX on XXXX requesting the verifying information and a break down of the invoice. She advised that she would send the itemized bill to me for review and verification. The only item I have received is a new invoice requesting money with no backup information to support their claim. 

Amazingly enough Equifax somehow was able to verify the collection company 's claim on XX/XX/XXXX, when the collection company had not received verification themselves by XX/XX/XXXX. No verification has been provided to date or at any time during the last five years. 

Additionally, last Equifax report states that this delinquency was initiated XX/XX/XXXX. This issues has been in issue since XX/XX/XXXX at which time it was well documented, that I did not owe any money to XXXX and that they were paid in full. 

I am requesting for the fifth time that this item be removed from my report and that I be provided the documentation demonstrating that this money is owed. In addition, I am requesting that all my complaints with the Consumer Finance Bureau be  included in my credit file to be reviewed with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: SYNCHRONY FINANCIAL
State: FL
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 have had the Paypal card for several years. 

I have always paid on time, never once missed a payment. I use the card regularly and have never had an issue until now. 

My account was closed. No reason was given other then it was a business decision. However, I had earned a substantial amount of cash rewards. These rewards can be redeemed directly into the corresponding paypal account. I usually redeem these rewards every few months, there is no deadline. 

When they closed the account, they seized the cash rewards I had already earned. These are not pending rewards, they are rewards earned from the last few months. Again, I have not been late or missed any payments on this card. 

I have no control over whether a credit card company wants my business. However, using the financial gain of seizing rewards I had already earned as a primary reason for closing the account is fraudulent.

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 2018-11-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
RE COMPLAINT # XXXX WF contacted me on Monday and today XX/XX/2018. Left a message calling for XXXX XXXX XXXX calling re modification request what was changed since last review.This is XXXX, call me at XXXX. 

I called this number twice and spent over 30 min in trying to reach XXXX as NO ONE knows who he is.The XXXX is the main number to WF with over 10 prompts as I have no dea where to go from here.Both messages refused to provide his contact info so I could reach him nor did anyone from WF attempt to assist me.

The first call I was told there a 2 cases as one is re MIP ins/and HUD discrepancy and other is from reentry dept. He transferred me and as soon as I was transferred I got the run around and no one knows who he is. 

This is an attempt to a '' DEAD END '' and to " buy time intentionally ''. WF has "  refused '' to assist me re my complaint. This is the type of games they play so I will just go away and how they continue to get away with treating me unfairly.Well Im not going away. How much time do I need to spend and am I required to run this person down by the name of XXXX? as apparently this was the attempt or he would have provided direct contact info ; so I dont have to be transferred from one dept to another. I have to verify my personal info repeatedly. Is this how a professional mortgage company do business? Is this the way customers should be treated? How do they continually get authority to treat customers like trash and brush them off is disturbing. 

I filed a complaint against HUD/as they will link me back to WF -complaint filed with the Dept of Justice and Attorney General as well.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them from my credit profile.

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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion has an account XXXX XXXX XXXX  with no ( Closed Date and No Information ) therefore transunion is reporting inaccurate information and reporting inaccurate information according to fcra is a 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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2021-10-18
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I sent a certified leter to Choice Recovery requesting validation of a {$1500.00} medical debt. As of XX/XX/XXXX, the company neither responded or removed account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I asked Dovenmuehle mortgage servicer for XXXX XXXX XXXX to remove PMI from my loan # XXXX. I sent a list of improvements to my home. They delayed responding and ultimately told me I need to send {$400.00} for a new appraisal. I sent the money. In XXXX the appraiser came out. The appraisal came back at $ XXXX against my $ XXXX balance. 
The appraisal also noted all of the improvements and remodeling done to my home. 

Doven replied to me they would not remove PMI because there were not enough improvements to the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I have filed a complaint with XXXX  and it has been over 30 days and I am requesting inaccurate information be removed from my 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 explanation