BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Funds were deposited in my account from an escrow account, by check. The funds were withdrawn in FULL from the escrow account ( XXXX  XXXX XXXX ) on the same day. CitiBank has taken it upon itself to dole this deposit of funds in a stretched incremental way! After consulting a lawyer and other banking individuals, I have determined this is NOT a usual procedure for funds that have been already paid/collected. I am therefore requesting a full and thorough investigation of CitiBank in regards to this practice, furthermore I request action on behalf of all clients and consumers of CitiBank services for compensation and or fines up to and including legal actions to prevent this in the future. Quick response and action in this matter is requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express ( Amex ) mailed us a promotional offer to award XXXX points after we spent {$5000.00} in qualified purchases within 3 months of the account being opened. There were no conditions on us having had an account with them previously. 

To ensure, these were all the terms, we also called and spoke to a customer service representative " XXXX '' who confirmed the terms as written. 

Given this confirmation, we applied online and quickly received the cards and met the spending requirements within 3 months. 

One month after that and after verifying we had not received the additional points, we called and were told we did not qualify due to having had an account before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-01-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 I was laid off from my job and just days later had my wallet stolen. I immediately closed my checking account and opened new account with same banking institution. Unfortunately, I neglected to update online banking information when making XX/XX/2018 mortgage payment ; however, days later it occurred to me and immediately called Select Portfolio. The updated account information was provided to Select Portfolios representative and payment was made. The representative assured me the banking information had been updated online and no further action was required. This was not the case as the following payment for XXXX was returned by my bank as closed account. Although I can appreciate Select Portfolios concern, my sharing that I was assured by their representative in XXXX that my banking information was updated in their system was met with confrontation and requirement for future payments to be made by certified funds. Payment to replace returned check was sent by certified mail and received by Select Portfolio on XX/XX/XXXX. A few days later I received a collection call from Select Portfolio. Imagine my shock when I learned that said XXXX payment of {$2600.00} for XXXX mortgage was applied to line of credit rather than my mortgage. Since the payment on the line of credit is approximately {$330.00} each month, it baffles me why it was posted to that account. I was assured it would be corrected ten days ago and yet it remains unresolved. 
Unless corrected, I lose benefit of the tax deduction for 2018 for XXXX mortgage payment as a result of their sole action. Further, from a credit standing, it impacts to have late payment as a result of their ineptness and lack of interest to correct. 
As an aside, I did utilize the ombudsman with not as much as an acknowledgement much less a response. Any assistance you can provide in this matter would be very much appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Newport Intermediate Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
Received a refund from closing my XXXX XXXX XXXX account on a northlane XXXX pre-paid debit card. Unable to set up account on northlane site. Phones only offer standard push button # x for this service features. I was able to activate the card. When I try to log in, I am told I would be sent an email to reset my password XXXX. Never received said email. On XXXX XXXX XXXX 's website they state refunds may be credited to your credit card. This is what I desire. Crediting my {$77.00} to my XXXX XXXX, the same XXXX which was used to pay my XXXX XXXX XXXX bill. On XXXX & XXXX 's consumer forum there are many complaints about northlane debit card issues. Submitting a complaint to cpfb was one suggestion to resolve the problem of getting our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was recently transferred from XXXX XXXX XXXX to XXXX XXXX XXXX ( Originator ) and Shellpoint Mortgage ( Servicing ) on XX/XX/XXXX. According to 2 Shellpoint Customer Service Agents and Shellpoint 's Web Site, Shellpoint is missing records of my XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX. Shellpoint asked me to wait on making my XX/XX/XXXX payment until we resolve this matter, but meanwhile my account continues to show that I am behind on 3 payments totaling XXXX. 

I called Shellpoint to try to resolve the matter on XX/XX/XXXX. I sent proof to Shellpoint via email on XX/XX/XXXX of both my XX/XX/XXXX and XX/XX/XXXX payments in the form of screenshots of my XXXX XXXX XXXX Payment History Page and my bank statements all showing a payment to XXXX of {$3600.00} on XX/XX/XXXX and a payment to XXXX of of {$3600.00} on XX/XX/XXXX. I called Shellpoint to again to try to resolve the matter on XX/XX/XXXX. Shellpoint indicated to me that they received my email, but did not receive my email attachments. I have a screenshot of the email I sent to Shellpoint with email attachments. 

The matter is still not resolved and Shellpoint continues to blame me and ask me to work with XXXX to resolve the matter. I find it very interesting that Shellpoint 's website shows that they have every single details about how much money I owe them, but is missing all details of how much I have paid them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern I am writing yet AGAIN, more times than I can count, to put DISCOVER BANK on notice of the account ending in : XXXX and how it's fraudulent reporting of this alleged debt and adverse action to the consumer reporting agencies has negatively affected my life, my wife 's life and my children 's life as it has created tremendous hardship in our everyday lives. I have attempted on multiple occasions to relay to you that the negative reporting on my name is in error and violates FDCPA and FCRA. Upon further due diligence it has come to my attention that ALL credit balances from XX/XX/XXXX to XX/XX/XXXX are owed to the consumer. As stated on the back of each billing statement " Credit Balances. If your account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement ''. This statement directly correlates with 12 C.F.R. 1026 11 ( a ) as well as proof that the XXXX total amount of money that I allegedly owe should have been sent to me as a refund and not sent to me as a billing error monthly and definitely now falsely reported to the credit repair agencies damaging my name and good reputation. I have included a copy of your documentation as verification and I am putting you on notice that I have also correctly filed a 1099C with the Internal Revenue Service as you have reported a " charge-off ', in error, to the credit reporting agencies further damaging my name and defaming my character while also making it impossible for me to obtain and maintain a standard and suitable living as my name is no longer " good '' ... as you failed to provide me with a copy of the 1099C thus causing me to incorrectly report to the IRS and file my taxes correctly as I should have added the " charge-off '' amount to my yearly earnings as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today I tried to successfully placed a credit freeze with XXXX and XXXX. When I tried to place a credit freeze with Equifax they advised that could not, as I had no record on file. 

The asked for me to provide identifying documents increasing my exposure to identity theft. 

I declined and they declined to put a freeze on me. 

I asked for the details of where I could complain and they declined to provide a complaint location.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the month of XXXX I have sent the company 2 validated cashier checks for my mortgage and the claim they have not received non of the payments. I have proof of them receiving the certified mail through the us postal service. So no I am XXXX missing and migrate not paid for XXXX. I call several times a day and they tell me the same thing that they dont have it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Student Loan Financial Assistance
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today ( XX/XX/2019 ), I received a voicemail from a representative ( identified herself as " XXXX XXXX '' ) who presented herself as being affiliated with the federal student loan services and had updated information about my defaulted loans. I returned the call, which was answered by " XXXX XXXX '', he said " XXXX is busy but I can assist you! ". He proceeded to tell me that they were able to offer me an income-based loan repayment plan and described how it works. He asked me some " identity verification '' questions, which seem legit at the time because I believed that I was speaking with someone legit. He said that I would not have a loan payment due for 90 days, but then described 3 monthly payments of {$190.00} as a fee. I did not realize what was happening at first, it seemed like a wonderful opportunity and I was caught up in the joy of getting my credit repaired and taking care of my debt with reasonable payments. It was not evident that I had been taken advantage of and scammed until I received an email stating that my password for my federal loan account had been updated. It turns out that the man on the phone, without my knowledge and without my consent, had used my information to reset my password and access my account information. I called back to the direct line that XXXX provided and it was answered by a man named " XXXX '' who said " XXXX is busy but I can assist you! '' I told him I have spoken to enough people and I want to speak to a supervisor. He put me on hold, came back on the line a few minutes later and said he had put a hold on the transaction until XXXX could call me back. I told him I want a supervisor and he then said he would have XXXX call me and disconnected. XXXX called me a few minutes later and assured me that their company ( Student Loan Financial Assistance ) was affiliated with the department of education and were an approved loan servicer, but he did as I asked and cancelled everything. I received the email confirmation minutes later.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I HAVE TRIED TO WITHDRAW MY FUNDS FROM THE GEMINI XXXX XXXX SEVERAL TIMES IN THE MONTHS OF XXXX, XXXX, AND XXXX OF 2022. I CAN STILL SEE MY FUNDS ON XXXX XXXX BUT CAN NOT WITHDRAW WHEN I CHOOSE THE OPTION TO SEND FUNDS TO MY BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: SUN LOAN COMPANY INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made numerous complaints outlining why this account should be XXXX out and removed from my credit report. You have continued to violate my consumer rights under Truth in lending act, FCRA, and the FDCPA. This is my last attempt to try to rectify this situation before pursuing litigation. Ive attached an Affidavit of Truth notarized outlining various facts about the situation as well as a Cease to desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: AZ
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:
SEE ATTACHMENT. I HAVE RECENTLY DELETED THIS ACCOUNT TWICE AND IT CONTINUES TO REAPPEAR ON MY CREDIT REPORT THUS BRINGING DOWN MY CREDIT SCORE. IT IS DISRUPTING ME TRYING TO BUY A HOUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: WELLS FARGO & COMPANY
State: HI
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:
Wells Fargo dealer svc account has been closed previous year a derogatory note has been put on my credit XX/XX/2023 account has been closed since XX/XX/2XXXX 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 2021-07-14
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XX/XX/XXXX and XX/XX/2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Experian : XXXX XXXX : XXXX open dates dont match up XXXX XXXX Experian : XXXX XXXX : XXXX open dates dont match up XXXX XXXX Experian : XXXX XXXX : XXXX open dates dont match up I have attached screenshots taking with the account numbers posted by them i have also attempted to dispute with creditors and furnishers they never sent proof showing the accurate information they clearly have two different open dates which is a mistake by law it must be removed. XXXX removed the account but XXXX and experian verified it which doesnt make any sense at all.

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 2020-07-10
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2023 a stranger pulled up to my home and gave me paperwork from PROFESSIONAL FINANCE COMPANY INC. which at first glance seemed to be court documents for a civil action. Upon further investigation I discovered that the documents are actually Fake court documents ( please see footer of fake document with communication from debt collector ) constructed by PROFESSIONAL FINANCE COMPANY in an effort to deceive me into paying an alleged debt from XXXX XXXX  of {$220.00} plus interest of {$39.00}. PROFESSIONAL FINANCE COMPANY INC is in direct violation of several statutes under FDCPA 15 USC 1692 ( c ) namely 805 communication in connection with debt collection. 
806 harassment or abuse. 
and most importantly, 805 FALSE OR MISLEADING REPRESENTATIONS & 812 FURNISHING FALSE OR DECEPTIVE FORMS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 following companies have violated my rights. 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 XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 states a consumer reporting agency can not furnish an 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 ) ( I ) 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 the information is inaccurate

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 2021-07-14
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 we sent a payment of {$1200.00} towards our required {$620.00} mortgage payment. This payment was divided by the mortgage company into two mortgage payments for XX/XX/XXXX & XX/XX/XXXX therefore being short {$42.00}. I called Mr. Cooper to find out why this payment had been split to find out that they were not aware that his had happened and it would not happen again. On XX/XX/2021 we received a corrected mortgage loan statement designating the monies to their proper place. On XX/XX/2021 we received a mortgage loan statement that has repeated the same as the XX/XX/XXXX statement, dividing it into two separate payments and not applying the additional monies towards the principle. 
The loan number and mortgage provider are in the attachments.

Company response to consumer: Closed with explanation