BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi bank showed when I opened new eligible checking and savings accounts and deposited {$15000.00} within 30 days and maintain a minimun balance of {$15000.00} for 60 days, I could earn {$400.00} bonus. I opend checking and savings accounts on XX/XX/XXXX, and finished depositing total {$15000.00} on XX/XX/XXXX, and kept money until XX/XX/XXXX. However, I didn't receive the bonus ( XX/XX/XXXX ). I called the bank serval times, and they didn't solve my problem. They seemed to spin things out for as long as possible. I need help. 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 2018-04-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loans overpaid my property taxes on XX/XX/XXXX, received the refund from the counties ' tax office on XX/XX/XXXX, cashed the check on XX/XX/XXXX and has not refunded my escrow account. Better yet, they deny even receiving the refund check which they cashed. My load is up for escrow analysis and they are fraudulently raising my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Mar Joe Enterprises
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has sent multiple ROBOCALLS to my CELL PHONE. As recently as today XX/XX/2018. They do not have permission to send robocalls to my cell phone. Furthermore I have not received written communication or any attempt at validating any alleged debt. I am not aware of any debt that could be owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 USC, 1681-B A Intends to use information as Trans Union violated my consumer protection rights FCRA My desire is to have these inquires removed from mm credit report XXXX XXXX Applied XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX ( Home shopping )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
Hello, I am in mortgage Forbearance due to covid and servicer is reporting account delinquent when according to cares act they should not be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Company: Square Inc
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Cash app froze my account for getting direct deposit sent to my account when my cash app is verified froze my account with {$500.00} on it wont let me send it withdraw it or spend it and have not reached back to me at sll

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: United Shore Financial Services, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I bought a building in XXXX of XX/XX/2018 and the people that were hired to help with the purchase completely took advantage of me being a first time buyer. These people ( Agent, Bank, POA representative, and the Appraiser ) are all involved. I believe that my loan is preparatory because of the following : 1 ) .Property sold for too much.

2 ) .Previous owner told me things were fixed but weren't.

3 ) .In the Last six months not one property has been sold for the amount that i paid for my property.

4 ) .I was sold this building without any regards for my financial obligations.

I would like help getting my money back and getting completely out of the deal so this property doesn't put me in a financial hardship that i am on my way to being!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
IC Systems has put a negative mark on my credit report I dont recognize. XX/XX/XXXX I went to the website and reported this and I have not had no response and it still 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 2017-09-14
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My Discover card company filed a dispute chargeback in XX/XX/XXXX. There was fraudulent activity on my account and the issue was resolved in my favor however the chargeback was reported to all the credit bureaus and my score dropped 40 points as a result thereof. 

I called Discover card immediately upon finding this out in XX/XX/XXXX. Discover said that they sent a letter requesting for that to be removed to all 3 credit bureaus. I see that my score is still not reflecting this correction. 

How do I get this removed? Discover has sent another letter today and said all three bureaus should be receiving it within 24 hours. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This was a medical bill by my daughter 's XXXX of {$68.00} dollars that was sold to XXXX XXXX XXXX. Neither party would settle the collection with me directly and they made no previous attempts to contact me by phone or any way I recall to settle before it hit my credit in time. I didn't recall the debt. When I attempted to settle the debt with the credit agency they stated that it would remain on my credit for years to come as a debt owed that was adverse and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: IN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-10-11
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company XXXX XXXX XXXX has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For each of the last three days ( XXXX XXXX -XXXX, 2017 ) I have attempted to place a credit freeze with Equifax due to its security breach. After I entered my information on the Equifax 's website, I reach a screen that says the credit freeze service is unavailable at this time. I attempted to call Equifax to try to achieve resolution, but got only recorded messages that provided no help. I would like you take action on the behalf of myself and others to require Equifax to make credit freezes available when people ask for them. That 's the very least Equifax should be expected to do to prevent damage resulting from the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In response to the XXXX Security Breach and to protect myself from identify theft, two days ago, Tuesday, XX/XX/XXXX, I froze my credit reports with XXXX, Experian and XXXX. I accomplished this online for XXXX and XXXX, and by phone for Experian. At the end of the call with Experian, a recorded voice told me Experian would mail me my PIN number. As you may know, a PIN number is the only way a consumer can unfreeze their credit report. If I were applying for credit, to  include renting an apartment, and the lender used Experian, I would be in a bind to say the least. Today, Thursday, XX/XX/XXXX, I called Experian at XXXX ( XXXX ) XXXX to find out when they would mail me my PIN number and when I would receive that information in the mail. I was on hold for more than an hour, and never spoke to a real person. I would appreciate the CFPB assisting me in contacting Experian and finding out when Experian is mailing my PIN number and how soon I will receive it. Thank you for your assistance, which is greatly appreciated.

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 2017-09-22
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: Account information incorrect

Complaint:
I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to Experian that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.

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 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My mother passed away and I have been trying to freeze her credit. I have called Transunion multiple times and every time they disconnect me. I can not even get to a service representative!!!

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020 I applied for a XXXX XXXX XXXX through XXXX XXXX  and got denied instantly. I called XXXX XXXX  they said I was Denied because they could not identify me through the credit bureau Transunion. They told me to call Transunion. I called Transunion and they had my address wrong my middle name spelled incorrectly and my phone number wrong. I told them I was denied credit because of your wrong information. They said we do not decide whether you get credit or not call XXXX XXXX. XXXX XXXX  told me we just approve or denied based on what Transunion tells us. Attached is the letter I got from XXXX XXXX. I wanted the Hard Inquiry off my Transunion report since they had the wrong information. Transunion said they can't take it off call XXXX XXXX. XXXX XXXX  says they won't take it off it is a Transunion issue tell them to take it off. I want it off my report and each one is telling my it is there responsibility to take it off. I want it off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Barclaycard on XX/XX/XXXX. I received an email stating that I would be contacted with 10 days about the status of my application. By XX/XX/XXXX I had not been contacted so I looked it up myself and found that I was denied. As I make enough income and have credit in the upper 700s, I was very confused as to why I was denied. The notification stated that I was sent a letter explaining my denial, which I never received. I tried contacting several numbers and each one either required a credit card number to continue, or the representative told me they could not help me. I was finally given a number to call that should work, so I tried that. The first day I was on hold for 3 hours before I had to take a work call. The next day I was on hold for 2 hours before I had to take a work call. As someone who works in the lending business, I know that Barclays needs to provide me with an Adverse Action Notice which I did not receive. There is also no way to contact Barclays unless you are already a customer.

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 2020-07-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 XX/XX/2020

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 2022-08-25
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am trying to clean my credit reports to the current date. I have sent letters requesting the removal of the bankruptcy reported by XXXX XXXX XXXX. I had the bankruptcy removed from this reporting agency back in XX/XX/2021. I have constantly written to XXXX, XXXX, and Equifax requesting that this information be removed, to reflect that it was removed from XXXX XXXX XXXX report in XX/XX/2021. I will list all my information concerning this in my disputes and show how they will not update my credit report, with the current information that is reported by XXXX to date. All information related to the Bankruptcy and accounts should be removed from all three credit reporting agencies. These credit bureaus, that I have worked with over the last 3 to 4 years, have cleared information from my reports with no problem. I have removed old addresses, phone numbers, and incorrect business names, that were connected to someone with the same name as mine. This has become a really difficult process, but I must fight for my credit history to be updated to reflect my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
the original student loan was taken out in XXXX, they have kept these loans on my credit report since XXXX! They are absolutely abusing my credit history! 
XXXX flagged my report 4 times in 4 weeks greatly hindering my credit score and life. 
I want them to cease and desist immediately and due to their abuses Im seeking forgiveness for their debt. 
XXXX I'm seeking due to covid 19 I've been isolated since XX/XX/XXXX unable to work and am now XXXX on below poverty level living so I'm seeking a removal from my credit report and requesting minimum two year hold on reporting to the credit bureaus, to allow me to stabilize my life,, so that i can pay that debt.l

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible

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 2018-10-11
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
purchased a vehicle through carvana.com website and sales contract stated a specific amount of interest and interest rate and there was no paperwork from the actual lender included and the interest rate appears to be significantly higher then what was on the signed contract. Originally the loan was with XXXX   which is who payments were being made to and then was sold to a company called XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for the XXXX Visa Card from Barclays Bank and was approved in XX/XX/2019. On XX/XX/2019, I was informed via email there was a change in terms to the rewards structure. This change occurred so quickly that I feel like the advertised card and benefits that were marketed to me to entice me to apply were misleading and deceptive because the company significantly changed the reward structure immediately on me. This is unfair because I closed another account when opening this new card which impacts my personal credit via the credit inquiry and the decision to close another long standing account based on the advertised rewards Barclays offered. Barclays at the very least should grandfather existing account holders. I contacted Barclays regarding my complaint but no resolution was offered.

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