BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citibank changed its loan administration to XXXX and in the process changed my account number, which meant my payments did not go through for XXXX and XX/XX/2019. During these summer months I was taking my kids back to XXXX to visit family for a once in a lifetime trip. I did not realise that the payments had not gone through as there was money in my account and I had no reason to belive there would change my account number. Upon my return, I noticed the payments had not been taken and immediately went to a branch and paid everything I owed ( including late payment fees, which I was livid about as the branch staff admitted fault that the payments were missed due to them changing the loan account number! ) I then was even more annoyed to find that they had posted the lates on our credit report, and despite numerous phone calls, trips to various Citibank branches in XXXX and XXXX XXXX, and letters to citibank and the credit bureaus pleading with them to remove the lates from our credit report Citibank refuse to, saying " the payments were late so the report is accurate ''! 
This has cost me so much money as I have been unable to refinance my mortgage, ( which is currently at 5.25 %, when interest rates are at an all-time low!!!! ) We were also planning to purchase a holiday property and were forced to take on an expensive private loan, which we still can't refinance because of Citibank! 
I found out this week that Citibank had no right to report us as late within 2 months of an administration change over ... so I am begging you to help us get these late reports removed from my and especially my husband 's ( XXXX XXXX ) credit report. Thank you for your help. We really appreciate anything you can do, as Citibank made extra money from us, in late fees, from their administrative changeover and yet they refuse to help us despite not suffering any loss from us. So it really is no skin off their nose to remove the lates and it is not honest of them to imply that we are more of a credit risk because THEY changed our account number without us realizing. 
I attach proof that there was money in my account that the only notice we received to infomr us pf the account number change arrived in 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 2021-02-26
Company: EQUIFAX, INC.
State: AL
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 never took out a loan with the XXXX XXXX XXXX in XXXX of 2015. I was XXXX at the time so this is virtually impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We began an initial online refinancing process with AmeriSave Mortgage Corporation on XX/XX/XXXX with the below person. 
XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Desk On XXXX, XXXX asked for our credit card because they charge {$500.00} instead of an origination fee. We told him we hadn't heard of companies charging up front. What if the loan/underwriting process approval didn't go through and then we had already paid? He assured us there were no issues so we gave the credit card # and was charged the {$500.00} for loan closing. As soon as that payment processed, any verbal communication/normal phone servicing with XXXX ceased. He did not call us despite several attempts on our part. AmeriSave is having an issue with our HELOC and either wanted us to close that or the refinance would push out at least another 60 days for subordination per their email. Never did anyone pick up the phone and call us to discuss. It's just all automation and we can't get out of it. Those are unacceptable options for us and so we have decided to cancel our refinance with this company. XXXX has not responded so we put in an email to their servicing department on XX/XX/XXXX. We received a reply same day from a rep and that she would forward our concerns to XXXX XXXX supervisor. 
XXXX XXXX Customer Service Representative AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX On XX/XX/XXXX, still no response so we emailed XXXX again. She responded back that she sent a 2nd request to the supervisor, XXXX XXXX. It is now XX/XX/XXXX and still no response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX AM AUTHORIZED ON XXXX XXXX BEHALF TO DISCUSS THE PAYMENT HISTORY THAT CHASE HAS PLACED TOGETHER MANY OF THE REPORTS AND INACCURATE PAYMENT HISTORY INFORMATION. IF YOU TAKE A LOOK AT THE PAYMENT HISTORY OVER THE COURSE OF MANY YEAR YOU SEE PAYMENTS FROM XXXX IN XXXX AND XXXX PAYMENTS. 
PLEASE NOTE FOR YEARS HE HAS BEEN STRUGGLING WITH HIS PAYMENT HISTORY AND THE INCORRECT OR INACCURATE REPORTING EVER SINCE HE WENT INTO THE HOMEOWNERSHIP REPRESENTATIVE HWHO HELPED HIM WITH HIS LOAN MODIFICATION. HE PROVIDED HER A PAYMENT AND SHE SAID SHE WOULD TAKE CARE OF IT TO HELP HOM RECEIVE THE, LOAN MODIFICATION HE HAD TO PAY LATE SHE HELD THE PAYMENT AND CHANGE THE PAYMENT HISTORY AROUND HENCE TAKE A LOOK AT THE REPORT YOU BEGIN CHASE DEPTAMENT SENT OUT. 
EVER SINCE THAT REP WENT IN AND CHANGED HIOS PAYMENT HISTORY TO HELP HOM GET TEH LOAN MODIFICATION BC HE WAS NEVER LATE HE HAS HAD PROBLEMS. iT HAS PREVENTED HIM AND HIS WIFE IN FINDING ANY HELPBC THERE CREDIT HAS BEEN HEAVILY IMPACTED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested NATIONAL CREDIT ADJUST to validate this debt they are telling me I owe, I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I never received anything back from them, they only sent me a letter stating it was verified. 
Now I would like them to do the following : Please provide me with the following : Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit, interest How you calculated what you claim I owe ( XXXX  vs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Full chain of assignments from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX vs XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
I made a purchase from the XXXX using PayPal. I assumed they would add a fee, and did not research this before the transaction. when the transaction went through I saw that the " fee '' was excessive, over 6 %. when I contacted them about it they directed me to their Legal page, which I looked at, and still only saw that it may cost about 3 or 4 %, depending on a few things. I told them again I thought it was excessive. they then directed me to a link that shows their conversion rate, with a " spread ''. First of all, they make up their own conversion rate, and secondly I do not think they make this page easy to find, or even make it known there is such a page. This seems like fraud to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: ALLY FINANCIAL INC.
State: OK
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:
Applied for credit to buy a used car with my husband on XX/XX/XXXX. We have credit in the high 700 to over 800 in all three credit bureaus. Just received a letter in the mail today that in the loan application process, we were DENIED credit based on information from XXXX XXXX XXXX, which I have never heard of. Our credit was reported as XXXX and XXXX, and some insane reasons, primarily being length of residence is too short, we have been at our current address since XXXX, and have extensive, good credit history. I went on-line to get a free credit report and to look at freezing our credit, as it is with all other credit reporting agencies and they are wanting copies of drivers license, birth certificates, utility bills, etc. Upon further research it appears to be a scam to collect information and copies of documents. I want my credit frozen and I would like to see the credit reports but do not believe we should have to provide these documents to get them. From what I have seen on the Internet it appears Ally Bank and XXXX are possibly colluding to modify loan terms.

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 2018-02-20
Company: Experian Information Solutions Inc.
State: MO
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:
There are 3 accounts on my Experian credit reports that do not belong to me. I have disputed these accounts and they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX XXXX # XXXX, 2. XXXX Acct # XXXX, 3.  XXXX XXXX Acct # XXXX. These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They Keep Calling Saying They Are A Pro Placement Service? A Debt Collector! But I Don't Owe Anybody Anything? I Asked Them Who They Are looking For But They Didn't Answer Me. They Have Called At least 20 Times, This Is A Scam! There Phone Number Is # XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I was informed via email that my PayPal account had been placed on a permanent hold due to an alleged violation of their policies. Despite my insistence that I had not violated any of PayPal 's policies, I was told over the phone that I would be able to retrieve the funds from my account after a hold period of XXXX XXXX. However, upon attempting to log into my account once the hold period had ended, I discovered that a transaction had been made by PayPal, resulting in a loss of {$1100.00} from my account. The transaction details are as follows : Transaction ID : *********, Amount : {$1100.00}, Paid with : PayPal XXXX, Seller info : PayPal, Note : {$1100.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : PayPal ; PayPal 's damages caused by Acceptable Use Policy violation. I have made countless attempts to contact PayPal about this issue, but have consistently been met with refusal to provide a clear explanation or any form of assistance in recovering the stolen funds. This lack of transparency and failure to resolve the issue is unacceptable and I demand that PayPal immediately investigates and resolves this matter, as I am confident that I have not violated any of their policies. The unauthorized transaction has caused significant financial hardship and I request that PayPal take responsibility for their actions and return the stolen funds to my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I already have accounts with TD bank but received an email that another account was opened so I contacted them and they will be closing the account but I was told to also report it to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: SYNCHRONY FINANCIAL
State: UT
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:
I received a notification from XXXX XXXX about 2 hard inquiries from the same company within the last two days ( today 's date XX/XX/19 ) on XX/XX/19 and XX/XX/19. I spoke to XXXX  about the inquiry and was told to talk to the Lender that pulled the inquiry, they gave me the number for Synchrony Bank to ask them to provide XXXX with the removal of inquiry. 

Synchrony Bank claims that they did not do an inquiry, with the last inquiry being when I opened an account through their Banana Republic credit card application. I informed them that they appeared on my report, but they denied having done any inquiries for me and to reach out to XXXX again. 

I called XXXX again, and was told that the only way to remove the inquiry was to go to Synchrony Bank, therefore going back in a complete circle. No one is taking responsibility with something that is my sensitive information. On the report the wrong address was provided for the inquiry.

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 2019-01-09
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-02-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I took out a {$30000.00} fixed rate refinance conventional loan with BMO Harris. I would make payments and most of it would go to interest but every payment reduced principal some. Starting in XX/XX/XXXX I noticed something odd. All of my payment was going to interest. I remembered that BMO Harris changed who was managing the account as an agent. In the process my account number changed and for some reason my payment was only going to interest and the principal stayed the same. In the process of calling them a lot, I was told my new loan number was a daily simple interest loan, not what I signed up for or authorized. I have been trying to resolve this with BMO Harris for weeks but no resolution has come about and they have run me around in circles with little care. Changing a loan type without my approval feels criminal.

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 2020-01-28
Company: Experian Information Solutions Inc.
State: NY
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:
Not my accounts on 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 non-monetary relief
Consumer complaint received 2019-06-04
Company: AUDIT SYSTEMS,INC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The agent couldnt verify what she was calling about if I didnt give her my address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on 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
Consumer complaint received 2021-02-26
Company: Bridgecrest Acceptance Corporation
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2020-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Sir, During the COVID-19 times, I tried my very best to keep up with my payment.

I always paid my Bank America Bill on time way beyond the minimum balance. In my XX/XX/2020 statement BOA charge me a {$25.00} late fee. I tried to reach out to BOA several times, I was told there is nothing they can not do. During this time, I do not want to defer any payment, I want to continue paying my bills and I respectfully ask the bank of America to wave the late fee due to hardship during COVID-19, Bank of America refuses to wave a XXXX late fee, I can not believe this. 

I need CFPB to help me get this late fee wave. I strongly believe that this late fee should be forgiven due to a hard time because of COVID-19. 

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 monetary relief
Consumer complaint received 2017-08-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX or XXXX, 2017 I applied for a Target store card on their website. It was not approved right away but a message popped out that my application is under review and will receive a reply in the mail within 7 - 10 business days. On XXXX XXXX, 2017 I received a phone call from Target Financial Services asking me some personal information about myself like when my birthday is, my age, and my address. Then they informed me again that they will mail me their decision. I called the number back the next day and talked to XXXX. She told me that they approved the credit application but they need me to fax the front and back of my social security card, my driver 's license and a utility bill. I told her I am not comfortable with that. I keep going back and forth with Target asking them to cancel the card because I am not comfortable providing these documents that has all my personal information especially the social security card. They said that they can only cancel it as soon as I provide them with the documents. I want this published so the public will know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I went to apply for a Mortsge. My experian Fico score says XXXX on my report. The bank pulled my report and experian is XXXX. How do I have 2 differsnt scores?? This is going to cost me more to get the loan

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