BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2018 XXXX I used what I thought was a reputable service to transfer payment to a Third Party for goods. Goods were not received. 

Called XXXX and they wouldnt do anything to cancel the transaction or even prevent the same scam from being perpetrated on others. 

Given all the big banks behind XXXX I would have expected better controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a current mortgage holder with PedFed Credit Union. I am refinancing my loan with XXXX  XXXX XXXX. I have tried repeatedly to contact PenFed to stop my automatic payments and to make sure they have provided XXXX   with the payoff documentation to allow my refinance to close. Nobody is contacting me. I finally reached a person on the phone and she said that my emails from my home email address were not going through to her computer. Without an email from the address of record, she said they could not process my request. But, she did receive an email from my work email no problem. I'm in a Catch-22 and can't close on my new mortgage without their cooperation.

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 2017-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XXXX XXXX, 2017, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.

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 2018-11-06
Company: CITIBANK, N.A.
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:
Contacted Citibank from XX/XX/XXXX to current date pertaining to inaccurate information on XXXX and XXXX reports. Also contacted XXXX and XXXX regarding issues but they refuse to correct eventhough I have provided documentation. 
Citibank per credit reports closed account in XX/XX/XXXX, account was then amended and made into an installment account in XX/XX/XXXX. A letter was sent by Citibank to me pertaining new agreement but when I contacted Citibank pertaining to letter information I was told that not all the information on letter pertains to me and I should disregard any information not pertaining to me since letter is generic except for payment amount and terms. 
Citibank refused to report new agreement information to credit bureaus and continued to report as late. Payments made on new installment agreement were reported as X, NR or LATE XXXX and XXXXx refuse to update information which I provided and showed account was closed and made into an installment account in XX/XX/XXXX with first payment due XX/XX/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 2018-03-30
Company: Dynamic Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX both of these numbers have called myself and my family members asking about my whereabouts about money I owe, acting to be collection agencies but give a different name and call from different numbers then threaten to have me arrested if I do not pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
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 belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, my account had fraud actiivity. Someone ( XXXX XXXX check # XXXX ) wrote an echeck forging my name, and citizens let the check go through, when i found the fraud check, i called citizens bank and they were aware of the scam, same check number different customers. Now i have overdraft fees and citizens bank ( XXXX said they would reimbursement me for the XXXX in overdraft fees and now they said they can't until the investigation goes through. Now i am out, {$390.00} for the fraud check and XXXX for overdraft charges. The bank rep said his manager would not give me a courtesy refund until the investigation is complete which could take months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to refinance my personal home ( as a result of a divorce ). All documents were fully submitted on my end and the only thing outstanding was a CEMA request to my current mortgage company ( XXXX XXXX XXXX ) made on XX/XX/XXXX. This CEMA request represents a significant savings in money of nearly {$15000.00} which I need as a recent divorcee with 2 children. After having no word from XXXX XXXX for 2 months, I called the company to learn nothing had been done to fulfill the CEMA request on their end and I was told that the request would then be expedited. That was two weeks ago. Now we are learning that XXXX XXXX claims to not have certain required documents ( the original mortgage note ) ( that they should have received from XXXX XXXX  XXXX upon acquisition in XXXX. This note is necessary to complete the CEMA request. This is unacceptable. This has cost me in time and potentially money. I pay my mortgage every month, the least XXXX XXXX can do is manage the documents related to my loan. It's precisely this kind of business practice that was at issue in the mortgage loan crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: GA
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 sent a letter over 45 days to this bureau and have not received any response, This process has been very stressful and caused me job opportunities because of incorrect information being reported inaccurately in my file. I have sent letters before this date and still the issue has not been acknowledged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a call from XXXX XXXX at Diversified Consultants.  The phone number that displayed on my phone was XXXX. XXXX read me the disclaimer about this being an attempt to collect a debt, then told me I owed money to XXXX. I explained I had paid my last bill and returned my equipment, and she said this was for non-return of equipment. I told her I had definitely returned the equipment as instructed, and that I wanted to dispute this collection. XXXX told I couldn't dispute with her, that I had to contact XXXX. That is not the law. I started to read to her the requirements, and she said they only received my account yesterday and would be mailing out a letter. I told her she had to take my dispute and she said she didn't and hung up on me. 

I do not owe XXXX anything, I followed their instructions, and I should not have been sent to collections. Further, XXXX should not have told me I couldn't dispute by telephone with her and should not have directed me back to the original provider. She definitely should not have hung up on me. None of this is accurate nor is it following the proper procedures when a consumer states she disputes a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I already submitted a complain about false late charges for my Hyundai Motor Finance loan. After those were removed I now have a bad mark on my credit report for being 30 days late on my XXXX payment. I made this payment on X/XX/17 and the documentation is attached. I have never been late on a payment on anything in my life and have a credit score of over XXXX, the amount of issues I have had simply making my car payment are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX t

o Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
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: Account information incorrect

Complaint:
The company is reporting the incorrect balance to XXXX XXXX XXXX showing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.

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 2017-11-05
Company: AES/PHEAA
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: Account information incorrect

Complaint:
The company is reporting the incorrect balance to Fed loan Servicing showing on my credit report. Please have University of XXXX do an Validation fo Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
morgage company refused payment after we reported the co owner/payer has XXXX. 
we then tried several covernment programs and XXXX refused that too. stating they are a private company and was rude. seting it in XXXX for forclosure. we then filed bancrupsy and the court ordered them to take payments, for XXXX would say sall or nothing. during the bancrupsy which was to be put tward the principle, they put it all on intrest and escrow XXXX keeping it there then mis reported the ows to the court, and did not give us the proper acounting for the loan. also complained that they were going to work with us. and they kept refusing payments unless forced by court. they used the XXXX mis reported taxes to the court to increase the trustee 's pay we were to paay to increase it over our fixed limit, income as we sold all our buisness assets and items to cover it. finaly we could not pay the payment and beged the court for help. the lawyer who was to take care of it just added alot of fees and did not take care of it. the case had to be dismissed. then we called XXXX they said they are to forclose and gave us a false incorect statement, asked more for the loan then we started the loan in XXXX and used multiple tricks and huricane harvy court offices being closed front door step to forclose. then their own employee bought it. we have apealed it and not still trying to get them to coaperate. note me and my wife are totaly XXXX. and they would not listen or do anything. we calculated the home to have less than XXXX left. and the trustee payment info does not match their statements. they did not put the payments proper and did not do as the plan stated. we can not afford the lawyers for we paid alot to them in the past and got no where. we are still geting taxes from the XXXX lady for the house. and they are using the forclosure to whipe out the records so it can not be seen. can someone please help us they have been doing stunts. also the lawyer that went against us decited that they will not represent XXXX after seeing the stack of evidence we reported and what they had done. every lawyer took a look at my wife and felt bad. including the judge. we have not got any return or records from XXXX unless we request it and what we got back is false and incorect. we have not ever recieved a XXXX tax form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a debit card from USBankreliacard. I understand this card is issued to provide unemployment benefits. I did NOT apply for unemployment benefits. Someone has used my identity to get unemployment benefits. I have tried to contact USBankReliacard to deactivate this card and I have been unable to talk with them. I understand this is a fraud situation and I would like to have some reasonable assistance in correcting this obvious government problem and how they distribute unemployment monies. Why would the government have a contract with a bank-in this case USBank who takes no responsibility for the products that have their name on it??? and why would the federal unemployment department set up a program that can be so easily compromised. 
I want some help to remedy this situation.

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 2022-08-05
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My CareCredit ( XXXX ), I was paying on the {$2400.00} balance which I used last year before getting dental coverage through XXXX XXXX XXXX  XXXXXXXX XXXX XXXX. My last month 's balance was {$1600.00} plus, after paying XXXX bill of {$99.00} XX/XX/2022 I received a bill stating that my balance is ( Payment Due Date : XXXX, Statement Balance : {$2400.00} exceeds the opening balance, with a total Minimum Payment Due : {$80.00}, not counting the {$99.00} paid XX/XX/2022 through bill pay from Credit Union ( XXXX  XXXX ). 
I was told that Care Credit retroactively added the 24 % interest from last year, this is unfair business practice. 
I want the balance restored to the balance as of XXXX and give me time by XXXX to pay off that balance. Once my request is honored, I wish to have no further dealing with this bank, because of their business practices. 
The bank 's actions represent greed and unfair business practices and being a senior on a fixed income their action causes undue hardship on me.

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 2022-10-04
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:
I applied for a promotional offer of XXXX AAdvantage  points after {$4000.00} in credit card spend. Citi is denying my bonus miles, saying that I have earned a similar promotion in the past 24 months making me ineligible. However, the last time I received a CitiBusiness AA bonus was in XXXX of 2019. I confirmed this with XXXX XXXX today.

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