BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: CITIBANK, N.A.
State: CA
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:
Today I was on the phone with Citibank attempting to find out the status of our rewards for the use of the Citi-Costco card, there were more than {$600.00} dollars that we were entitled to during 2019. I was told that because my wife had given up her card the rewards were forfeited! I was outrage when I heard that. I explained that I am also a Costco member and have the Citi-Costco card, I requested that the rewards be transferred to my account, I was told that that is not an option. We spent a lot of money to accumulate such an amount ( more than {$600.00} ) and  Citibank just indiscriminately decided to forfeit them, that is ludicrous and not acceptable. Citibank can not be allowed to hold a cardholders hostage by dispensing the rewards at their pleasure. The rewards are the property of the cardholder who spent the money to earn them, they are not a gift from Citibank. 

I was so enraged by Citibanks attitude that I decided to pay the owed amount of {$14000.00} on the spot. I have two other Citibank cards that I am considering closing and not ever do business with Citibank ever again. I want you to know that if that is your policy, it is completely wrong! My wife and I charged thousands of dollars on the Citi-Costco card with the intent of getting a respectable sum in return and its disgraceful that Citibank can just decide to forfeit more than {$600.00} of my money. My wife was NEVER told that she would lose the rewards if the account was closed. Other credit companies allow cardholders to either cash or transfer their rewards to other rewards programs but according to the employee I talked to Citibank doesnt do that!

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 2020-07-01
Company: WLCC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is making the principal on repayment extremely small and charging a {$170.00} finance fee so that youre only paying an extremely small payment towards the original loan. Is this even legal?????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Homepoint is unfairly charging me {$130.00} for forced placed insurance coverage. On XX/XX/XXXX I mailed a copy of the my XXXX renewal to Home Point. On XX/XX/XXXX I received a letter requesting proof of coverage. I uploaded and faxed proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying wind coverage is required. ( XXXXXXXX XXXX, who sold the loan to Homepoint, did not require wind coverage ). I purchased new coverage including wind effective XX/XX/XXXX. 

I complied with Homepoint 's request within 24 hours I will not pay for forced placed coverage as the delay was on the part of Home Point Mortgage. Had Homepoint notified me in a timely manner there would be no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Global Lending Services LLC
State: WA
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 have called global lending services, my auto loan company, and they admitted they misallocated a payment incorrectly in XX/XX/2020 and applied a portion of my payment to my late charge balance which it should have not done so. It should have applied my payment first to the principal and interest in accordance to fully satisfy my monthly payment. The misallocation in XXXX  left a small balance less than XXXX $ dollars carrying over and putting me more than 30 days past due on my most recent credit report for XXXX. But has the misallocation not occurred in XXXX I would have not gotten a late payment for XXXX as my XXXX payment became just due XX/XX/XXXX and I satisfied my XXXX payment on XX/XX/XXXX with a debit card payment of XXXX. I need my payment history for XXXX of 2020 to be fixed on all three bureaus because I have been working hard to avoid a 30 day late so I can rebuild my credit and now my scores have dropped more than 30 points due to this error. I have spoken to an account manager today XX/XX/XXXX And he assured me the issue will be fixed but I need to ensure this is handled ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX  CASE # XXXX XXXX XXXX  WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX   FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX  AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX   ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX  RECEIVES XXXX A MONTH SSI XXXX XXXX   HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR XXXX YEARS PAYING XXXX   A MONTH RENT, XXXX HAS RUINED XXXX  REPUTABLE CREDIT. WE ARE ASKING XXXX  TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST XXXX YEARS. WE CAN PROVIDE DOCUMENTS. XXXX   FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX   SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX   THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX  FUNDING WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX   PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX  YOU CAN SPEAK WITH XXXX   AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX  TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.

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 2020-08-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Experian Information Solutions Inc.
State: NV
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:
**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX CASE # XXXX XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX RECEIVES XXXX A MONTH SSI XXXX XXXX HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX A MONTH RENT, XXXX HAS RUINED XXXX REPUTABLE CREDIT. WE ARE ASKING XXXX TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. XXXX FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX YOU CAN SPEAK WITH XXXX AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.

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 2018-10-22
Company: MoneyLion Inc.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to get access to my funds and the company MoneyLion will not let me transfer my funds out. I have called, emailed and messaged through the app. They will not provide access to my funds. It has been over two weeks and they are stating that unless I set up a membership with them I can not have access to MY money.

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 monetary relief
Consumer complaint received 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Many complaints and certified letters to Transunion XXXX and XXXX requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX  Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.

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 2019-02-20
Company: EQUIFAX, INC.
State: GA
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 went to co sign for my partner e. car and was denied. I was totally surprised because I have severe.I paid off cars on my credit. I went and pulled my credit and there e.re things on my credit that are not mines. I contacted my local police and FTC. Imm also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Please remove these items from my credit. I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Dear Experian, There are two phone numbers listed on my credit report that do not belong to me. Please remove the following phone numbers from my credit file : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Thank you.

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 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Hi. I have contacted XXXX, Transunion and XXXX several times asking them to update my address to XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.

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 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been in contact with XXXX and Capital one, as our account with XXXX was closed/terminated by the company, and Capital One is refusing in assisting in the collection of funds paid for a voucher, which I was unable to use or access. 

Furthermore, two Items returned inside one box with XXXX, and XXXX agreed to refund for both items, and have issued credits " bucks '' ( as shown in pdf attached with title " 2 '' attached ) - however that day the account with XXXX was closed by XXXX, and I have not been able to access such funds. On an email from XXXX and attached titled " 5 '' it states that the Terms were violated, as a reason for the closure, however, I never clarified exactly what specifically was this, and over the phone, XXXX assure me that are refunds were issued to Capital One. 

Capital One just provided one item refund, finally one transaction with XXXX was not authorized and no refunded by Capital one. 

Last communication with capital one " Case : XXXX XXXX XXXX XXXX. I have provided the same information several times, regarding the dispute with XXXX for original order : Order Details The order number for your purchase on XX/XX/2020, is XXXX. Description : XXXX XXXX XXXX XXXX : Front or Rear Brake Pad Replacement for Car Redeem with : XXXX XXXX XXXX  1 {$120.00} Subtotal : {$120.00} Discount : - {$25.00} Total : {$100.00} - Because the Location was closed and not accepting voucher from XXXX, XXXX gave me the opportunity to use the amount here in a voucher in 24h for any other deal, however, at that time, the account with XXXX was closed, which did not allow me to use it in any way. 

I believe this was caused due to the return of two items from a previous order, which I included in the same package, instead of mailing two different packages. This was a mistake on my part because I only received a refund for 1 XXXX  instead of 2 ( Case # XXXX XXXX XXXX XXXX ). 

I have taken a picture of the note and tracking number which I included in the package return to XXXX. I was told that two items were received by XXXX on chat with customer service, as they were able to confirm in the warehouse, by weight, etc, nonetheless, I only received a refund for one item apparently until now. 
Case XXXX XXXX XXXX XXXX XXXX XXXX This charge of XXXX from XXXX also, I was just told by a Capital one agent that reminded me and did not see the credit on the account. I am unaware of this transaction and requested credit as well. 
Please contact me if you require any further clarification. I was never contacted by Capital one and it is very frustrating. '' Finally, I also had XXXX and XXXX credits issued, but not accessible for same reasons as described previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
REquest a new signle point of contact as soon as possible.

Rushmore continue give us a lazy, careless, unprofessional single point of contact ( SPOC ) for my account, I think Rushmore just want to foreclosure my property and make more money than want to help me, most SPOC Rushmore assign to my loan they did not do their job, they make it hard for everything, when I submit the loan mod they have many reasons not review them or they said that missing doccuments, Rushmore people think that thay above the law, whatever they treat borrowers the GovermentS, Authority Agencies, the Federal Deposit Insurance Corporation ( FDIC ), the Comptroller of the Currency ( OCC ), the Federal Reserve System ( FRS ), the National Credit Union Administration ( NCUA ) the Office of Thrift Supervision ( OTS ), will not know, View all links
customers talk about them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now they have another SPOC his name is XXXX XXXX, his office in California his phone number is XXXX, he said that my last payment is XX/XX/2016, Rushmore did not receive any payment from me from XX/XX/2016. That is not true, here are attached payments until it overdrawn when Rushmore increase payment from {$2900.00} to {$11000.00}. Moreover XXXX XXXX refuse to talk to my representative XXXX, even he did not know what he's talking about " he said that my last payment is XX/XX/2016, Rushmore did not receive any payment from me from XX/XX/2016 ''. Rushmore recorded the conversation, please review it for yourself. I am extremely disappointed and I do not know how to deal with Rushmore, they do not want to help the borrowers. 
I really need a new SPOC, I can not work with XXXX XXXX. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2019 an application was ran in my name at XXXX XXXX   XXXX in error, without my knowledge of consent. As a result SEVERAL authorized inquiries appeared on my credit report age Ive had XXXX getting the inquiries removed. Ive reaches out to the companies individually and Equifax to fix the issue. They give me the run around instead of really investigating the problem. XXXX XXXX   XXXX has written letters to the credit bureaus as well to have them removed. XXXX  as in XXXX XXXX XXXX XXXX is actually listed on the letter enclosed however neither XXXX  XXXX nor Equifax has complied with the request. XXXX XXXX XXXX is another inquiry from the XXXX incident but did not appear on my XXXX  report so its not listed on the XXXX  letter, however Equifax received a letter directly from XXXX with XXXX XXXX XXXX included. Ive reached out to XXXX and Equifax about this issue as well, no compliance! I have also never done business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed my XXXX XXXX XXXX XXXX XXXX account without warning or consent due to reporting agencies. I did not change anything on my credit report, so there is no reason why they should have closed the account. I have had this account for 3+ years and this has negatively affected my credit score. Also, a representative attempted to collect payment without even notifying me that the account was closed. Informed me that I must apply all over again, which did not work and dinged my credit once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax keeps reporting a number of addresses that are not mines. I keep disputing them but they are not removing them. These addresses are not mines and they are refusing to remove them and are refusing to tell me why they are not removing this inaccurate information. The addresses are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX., XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief