BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is an issue with the bank of the west. I have business account with them. 
I made a deposit of {$5600.00} check on XX/XX/2020. There was no hold placed on the deposit. The funds were available the next morning on XX/XX/2020. 
As funds were available, I issued 2-3 checks but then by mid day, the bank put a hold on this deposit. I called my branch to find out what happened. They said it was their back office that placed hold. They were suspecting an early warning on insufficient funds from the other bank. 
In the process, I incurred 3 NSF fees as the checks I issued were bounced. 
I have talked to my branch 6 times already about why was the hold placed if funds were collected. Today, its been a week and funds are still not released. The check maker states that funds were drawn out of their bank the same night I made the deposit to my bank. 
I have called the telephone banking of bank of the west but they couldnt do anything about the hold. The notice I received in the mail doesnt state any date the hold will be released. This is misleading to the consumer ( me ) and in the consequence I have suffered penalties, bad reputation and stress.

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 2018-07-10
Company: CITIBANK, N.A.
State: IL
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:
For several years I have AAdvantage Citi credit card with {$95.00} annual membership fee. Last year I wanted to close it yet the fee was reimbursed to my account after I paid {$95.00} using Citi AAdvantage credit card. I decided to close it this year. I called at least one month  in advance to membership expiration to initiate the closure process. Yet I was told I can switch my current Citi AAdvantage credit card with annual membership fee towards Citi AAdvantage bronze card with no membership fee. I was also told to pay {$95.00} fee, to wait about 90 days for the replacement card, which will have {$95.00} credit on it. Last week I received the replacement card/statement. The credit balance is only {$79.00}, and not promoted/promised {$95.00}. When I called Citi customer service and asked why the amount is lower than promised {$95.00}, I was told the amount was prorated. I hope Citi keeps customer conversation records because I asked several times if the total {$95.00} would be reimbursed and credited to my account, and each time the answer was Yes. If I knew Citi won't reapply {$95.00} back to my account I would close the credit card account with them back in XX/XX/2018.

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 2020-01-23
Company: Experian Information Solutions 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX. Inquires : 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 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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Inquires : 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 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 2020-11-16
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am financially strained. I know 2020 has hit a lot of people hard. My mom got sick and could not provide child care, so I had to find child care. Then my father had a massive XXXX and had to have XXXX XXXX. I have been trying to help them. My husband got hurt at work and then was terminated due to COVID. He is trying to get the workers comp case taken care of, so he is not on unemployment. I have XXXX children and I am the only one working. I can not continue to pay the {$100.00} plus every other week and it not be making a dent in my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a personal loan with XXXX XXXX XXXX   today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX. I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: Ocwen Financial Corporation
State: OH
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:
WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST XXXX MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN XXXX A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM TERMINALLY ILL WITH LESS THAN ONE YEAR OF LIFE LEFT I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM DEAD SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.

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 2018-04-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paid a fee I didn't receive the grant money.from this phone number XXXX XXXX XXXX.to this name.XXXX XXXXSpokane city Washington.XXXX.I sent XXXX  dollars money gram to this address.ticket number.XXXX.what can I do to get my money back or have them indicted.my name XXXX XXXX XXXX XXXX XXXX.the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a personal loan with XXXX XXXX XXXX  today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX. I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.

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 2018-02-08
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Wednesday, XX/XX/2018 after XXXX, I contacted the company in regards to the delinquent debt and was able to negotiate a payment plan, and I had orally requested that they stop their harassing phone calls to myself and various other members of the family. They have been calling family that are not listed as contacts or have any connection whatsoever to the student loans owed. As of XX/XX/XXXX in the afternoon after XXXX, they did not cease their collection calls and called yet another family member with no connection to the debt. At this point, not only are they breaking the law, but they have been doing so for quite some time. If this is not resolved, I will be taking the appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased a cell phone through XXXX XXXX XXXX through Synchrony Bank. The intent was of course to pay the phone off in incremental payments each month as described when I applied for the financing. I set up auto-pay to be directed to the " monthly statement. '' Synchrony Bank then decided that my monthly statement should be my total account balance and charged me for the full value of the phone in one bill, not the incremental payment that was agreed upon when financing was established. It is now requesting that I provide a paper form through the mail for a billing disupte and it will return my funds in a month ( far too long ). It misrepresented its payment system and was quite frankly fraudulent in doing so.

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 2018-02-08
Company: EQUIFAX, INC.
State: DE
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 obtained my credit report from Equifax, report confirmation # XXXX and noticed a hard inquiry was recorded on my report from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted Equifax to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The employee, XXXX, informed me that she could not do anything to assist me to have the hard inquiry removed and that it was my responsibility to contact XXXX XXXX to obtain a letter from them verifying I did not apply for credit. She also asked if I contacted the police department to report it. Also, she confirmed it would stay on my credit report for two years until Equifax receives a letter. I asked to have a fraudulent inquiry put on my file to ensure this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
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: Old information reappears or never goes away

Complaint:
I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same account.

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 2020-01-23
Company: Experian Information Solutions Inc.
State: NJ
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:
credit card reject from XXXX XXXX. ( XXXX ). Allegedly based on a report drone Experian. Called Experian and did not get any satisfaction. They claim there is a {$12.00} balance on a XXXX account. I don't have a XXXX account.

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 2020-08-29
Company: Sensible Auto Lending, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On or about XX/XX/XXXX I called Sensible Auto to inform them that my job has shut down due to the COVID-19 pandemic. My car payment was due at the end of that week. I was told that I should try to make the payment. I explained to the CSR that I couldnt make the payment because nothing was open in my city. The next day I received a call from Sensible Auto about my payment, I explained the same thing, my city is shut down, I cant make the payment right now, this CSR tried to imply that I was fired from my job, my job was secure, my job was shut down due to the COVID pandemic. For 2 weeks I went back and forth with Sensible Auto about my payment. I was told by another CSR that I should have been saving money for emergencies like this. Another CSR told me that if I surrender the vehicle my credit would be shot and I wouldnt be able to get anything in my name for next 7 years. I told them I was NOT holding the vehicle hostage and it is sitting in front of my house, if they wanted it, they could come and get it, after 2 weeks of bickering back and forth I had, had enough. I was informed on XX/XX/XXXX by another CSR that they would be coming to get the vehicle because they could not wait any longer for payment and that it would take approximately 7-11 days before they could come and get it, because my city is shut down ... .like I informed them 2 weeks prior and everyday up to this point. The next morning at XXXX XXXX., I went to gather my belongings from the vehicle and it was gone already. I tried numerous times to get a hold of someone at Sensible Auto, to find out where the vehicle was taken so that I could retrieve my belongings, and I didnt receive any responses. My mothers ashes were in my vehicle along with other items that I needed. No one ever returned my messages, but they were sure to mail out a deficiency letter. Had Sensible Auto waited a couple of more weeks I could have made the payment with the stimulus check that I received. I dont feel like I should have had my vehicle taken during a pandemic, and I dont feel as though this should be on my credit report, as I had no control of the COVID  pandemic, or my job shutting down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Inquiries not mine.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a cash-out refinance with loanDepot and let them know upfront it was an investment property that my partner and I had owned for less than 6 months. I also advised I did NOT want to pay any points for the interest rate. Every loan estimate I received showed points being charged with NO explanation given as to why I could not receive a loan estimate without being charged any points. 

After several weeks of trying to get information from my loan officer I requested to be put in touch with his manager to see what was going on. A simple refinance had stretched into a multiple month ordeal just before the Covid-19 drama had started. I should have been able to complete this BEFORE all the shelter-in-place requirements and surge in customer assistance. The manager called me ONCE, and I still did NOT receive a loan estimate showing NO points or an explanation saying I couldn't qualify for a loan with no points being charged. 

Strangely I then received a denial letter stating I didn't qualify because of my " length of residence ''. There was NO explanation what " length of residence '' meant and NO call from my loan officer to advise as to why I was suddenly denied supposedly based on information I gave when FIRST giving my application information. I have been at my current residence 10 years, and I was told by the loan officer the length of ownership in the subject property wasn't an issue. 

It appears my loan was cancelled and MONTHS of my time and energy wasted because I did not want to pay loanDepot points. I have good credit and no income issues. At NO point was I asked for additional documentation to address any residency concerns whether it be for my personal residence or the ownership length of the investment property. I was not advised at ANY point in the process of the requirements or how I may or may not qualify, and NO one will contact me back, even when I requested to speak with their Office of the President.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Want to reopen Complaint ID XXXX. 
Received a letter from Capital One stating that they were closing Dispute Case # XXXX because I had not provided the information that they had requested. The Assistant Vice President of my branch of XXXX XXXX XXXX  sent them the required information, proof that I made the payments and proof that Capital One had received the payments, but they keep insisting they have not received the required information. They have repeatedly been informed that I had made the payments via online bill pay through the bank but on XX/XX/2020, they sent a letter that asked that if I'd paid by check or money order-to send front and back copy of the canceled check. How XXXX  is this, what is their problem? 

Enough is enough, can I send you the proof so you know Capital One made a mistake. I can see that missing one payment might have been an entry error, but 2 in consecutive months is either fraud or sticky fingers as far as I'm concerned.

Company response to consumer: Closed with monetary relief