BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: IL
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-06
Company: EQUIFAX, INC.
State: AL
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 letters off over 45 days ago no response from all 3 of these clowns of bureaus. I am tired of dealing with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Express They committed wire fraud, which is a felony. I don't expect anything ever to come of it because nothing ever does and the consumer keeps getting XXXX over. 

In short. I had a small business credit card dating back to the beginning of the ongoing crisis. They promised me if I paid off the card, I would get a new card and all my considerable reward points. 

The problem became clear when I discovered XXXX XXXX is actually outsourced to XXXX XXXX firms who lie and cheat and do whatever they can. Including sending letters under false letterheads. 

In any event, I paid it off, and XXXX is denying everything. They are XXXX XXXX XXXX XXXX. 

Here is the sad part. I know nothing is going to come of it. They act with impunity and the fact that we bailed out these miserable XXXX only further emboldens them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: STIFEL FINANCIAL CORP.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When applying for a loan, the first appraisal was too low so the loan officer, XXXX XXXX, XXXX, shopped the appraisal and it came back at exactly what was needed to secure the loan, unsurprisingly. When rates dropped nationally, after the fed cut rates and reporting on national trends dropping material amounts, even though we had been assured a floating rate lock securing us against rate drops prior to closing, infact it had once dropped during the process. The company refused to honor their commitment to that as it was just a lie by XXXX as it turns out, and then the same salesman, XXXX XXXX called me unethical and hung up on the phone call, refusing to discuss when I brought the issues up prior to closing.

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 2019-04-09
Company: White Jacobs & Associates
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, I applied for a mortgage loan with XXXX XXXX of XXXX   XXXX & XXXX  and I was told I would need a few more points or a higher credit score to get approved and I was referred to someone described as a credit repair attorney named XXXX XXXX. Turns out, he is not a real attorney. Heres the info ; XXXX XXXX Senior Credit Analyst XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Office Direct : ( XXXX ) XXXX-XXXX Cell/Text : ( XXXX ) XXXX-XXXX Fax : ( XXXX ) XXXX-XXXX  www.whitejacobs.com/XXXX-XXXX He said his service would cost {$1600.00} and I would see results within three months. He said I can pay {$200.00} per month until I get my tax refund and he expected a payoff after I get my refund. In XXXX, I received a mail package from XXXX XXXX University and it included a written letter disputing the tuition debt I owed them. My signature had been forged on the letter by the credit repair company. I had never seen the letter and no one had asked my permission to sign it. The letter was completely inaccurate and basically accusing the school of fraud, but I did attend that college and I do owe them money. XXXX XXXX had no rights to lie on my behalf. My score dropped 37 points while in their program. It dropped from XXXX to XXXX. I have emails proving I sent them correspondence as they requested. I did my part and they did nothing, but lie. 
On XX/XX/XXXX I cancelled the service by email but XXXX XXXX said I still have to pay {$1000.00} due to the contract. I told him to stop using my debit cards and cease and desist use of my ssn and all personal info immediately. He ignored me, stopped working on my credit and still charged my account. The charge finished processing today. Heres is my email to him. 

XX/XX/XXXX Dear XXXX XXXX ; Please cancel my credit repair service. Thank you for your efforts, but I do not want to continue. Please stop the auto pay and cancel the contract. Also, please stop sending out letters and forging my signature. I no longer want your services. Cease and desist all actions on my credit today. Delete my personal account numbers from your files. 

Thanks! 
SS - In summary, I want my money back and I want this company to stop signing my signature and using my social security number and name immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Missed placed my kohl 's credit card. Called to get a replacement while on the phone I asked for a credit increase from {$500.00} to {$750.00}. The person on the phone check and after they ram my credit they up my limit. I received my new card and increase in the mail. Went to the store to make a purchase of a heating pad for my disability condition. They could not run my card or for that matter even locate my account in their computer. Frustrated I went home. I called kohl 's with no success. I did not receive a letter from them notifying me that the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Paypal Holdings, Inc
State: OH
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 Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in English but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. 

My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
{$10000.00} has been missing for 4 days that was transfered from PayPal to XXXX. 
I transferred {$10000.00} from Paypal to my account at XXXX ( XXXX XXXX, XXXX, PA branch ) and I paid extra ( {$10.00} ) for instant transfer at XXXX pacific time, XXXX EST on XX/XX/XXXX. Today, XX/XX/XXXX, 4 days later the money has not arrived and is lost. I made 3 phone-calls to PayPal and they assured me the money left their bank on XXXX XX/XX/XXXX, claiming it is XXXX 's problem, I made 3 phone-calls to XXXX and they claim they never received the money. I made 4 subsequent transfers from sales from PayPal to XXXX ( all smaller amounts, less than {$1000.00} ), did not pay the 1 % or {$10.00} fee for instant transfer, and all of these arrived at the bank the same or the next day. My {$10000.00} is missing and still lost, PayPal claims they send it 4 days ago, XXXX claims they never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This Complaint is against Ditech Financial LLC, Ditech Holding Company or wahtever name they chose to do business under today. I've attached documents showing my Escrow Analysis documents from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These documents show an increase in my county tax payments. I believe these are accurate. These documents also shows an increase in my combined Property Insurance which I do not believe are accurate at all. I did not request any changes to my Property Insurance coverage and I have tried to contact the company, but I never get anyone to answer the phone. I also have just received a letter concerning Ditech filing for Bankruptcy so I did some internet research and found thousand 's of  complaints against Ditech and their Holding companies. Many of these complaints are very similar to mine and go far beyond my experiences with this company. I believe Ditech my be charging me for property Insurance that is not required under my mortgage agreement or by city , county or state law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: REGIONS FINANCIAL CORPORATION
State: TX
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:
regions pulled my credit twice in 3 days is a violation of the fcra XXXX  XXXX pulled my credit twice same day

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 2017-12-01
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX XXXX, XXXX, I spoke to my personal banker, XXXX XXXX, at Regions Bank in XXXX, Al. in regards to obtaining a line of credit for my business, XXXX XXXX XXXX XXXX XXXX XXXX referred me to her assistant, XXXX XXXX, who asked me for some specific documents regarding my business and then e-mailed me a few questions regarding my personal finances. I provided all requested information to XXXX on XXXX XXXX, XXXX in person at the branch location. I was not asked to fill out or sign a credit application. That same day, I received a credit alert that an inquiry was made to my credit reports. A few days later, I received a phone call from XXXX   stating that I had been turned down for a line of credit. I asked her why and she said she did n't have the information. I reached out to XXXX and still did n't receive any valid reasoning as to the turndown. XXXX rudely stated that I " needed to look at my credit reports more closely '' and also told me that " it may be  in my best interest to take my banking elsewhere. '' I have been a Regions accountholder both personally and with business for many years, I have above average credit both personally and business, I have had several loans both personal and commercial with Regions that have all been paid satisfactory, and there is nothing in my credit reports that should have any reasoning for a turndown. As of the date of this message, I have yet to receive any correspondence from Regions stating the reasoning behind the credit turndown and when I asked to see my credit report/score at the bank, I was told that I could obtain my own online. I ordered all 3 credit reports and see no issues. I monitor my credit monthly through an outside agency, so I already knew there were no issues and my score is more than acceptable. Since this happened, I have been treated disrespectfully by these two employees and have since noticed my various accounts being charged monthly fees, etc that I have never been charged in the past. I have reached out to a corporate executive within Regions Bank that I had prior dealings with several years ago. She has acknowledged receiving my correspondence about wanting to discuss a complaint but has not gotten in touch with me yet to discuss it. I feel that for some discriminatory reason unknown to me, I have been denied credit at this bank that I have been a loyal customer to for many years.

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 2019-04-09
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I was requesting a credit line increase. However, I was never told it was going to be a hard inquiry to pursue a credit line increase until the very end of the call. At that point, I declined to pursue the credit line increase, and the call ended. However, a few minutes later I got a notification about credit activity and the hard inquiry was done anyway, even though I gave no consent to do so. I reached back out to the creditor and they said they'd look into it. I have the letter stating the creditor admits to pulling my credit report prior to receiving my notification but will not remove the inquiry from my report. Therefore, I'm enacting my right from the Fair Credit Reporting Act Section 1681, and would like the {$1000.00} fine from the creditor for the erroneous inquiry since they will not remove it from my credit report. 

The creditor is Citibank, N.A., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD 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 2019-04-09
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2012, I went into a hospital in Wisconsin with XXXX related issues, I had XXXX. I have provided the original hospital with my XXXX number, which they say they " didn't have '' at time of service. I have called two other times and sent it to them directly, at which they said it was too late to go back and bill them now, so it was just " my responsibility now ''. 

Now it's been turned over to a collection agency for about 4 years and they have, in addition to refusing to remove it, seeing that I had insurance and it was THEIR mistake not to bill them, have also ADDED to the original bill, nearly {$300.00} in " mystery '' charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: LoanCare, LLC
State: NC
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:
A delinquent mortgage belonging to my estranged husband was added to my credit report on XX/XX/XXXX by Loan Care ( XXXX ). I am not nor have ever been a Co-Borrower or Co-Signer on this account. He has had this loan since XX/XX/XXXX. Now that he is delinquent Loan Care has reported this account illegally to my credit report. My score has dropped 70 points. I called to discuss on XX/XX/XXXX when I discovered this error and was told the first time that this was not their error and that I had to dispute with the credit bureaus myself. I called again on XX/XX/XXXX and was told that I was not in their system as being on the loan and to submit an email to customer service. I submitted an email on XX/XX/XXXX along with 2 Credit Reports showing the negative account on my credit reports where I was listed as a joint mortgage holder. I received a generic response with a ticket number. I called on XX/XX/XXXX and was told that because I was not on the loan as a co-signer or co-borrower they could not discuss with me. If no one from Loan Care will speak with me or acknowledge that there is an error how do I get this delinquent mortgage off of 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 2018-04-20
Company: ID Analytics, Inc.
State: MO
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 canceling credit monitoring or identify theft protection service

Complaint:
I have been calling this company for weeks have left messages trying to get my consumer report frozen. They do not call back & continue to report inaccurate information due to identity theft. All other consumer agencies have responded. I am requesting my consumer reports frozen.

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 2019-03-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to unfreeze my credit report with Experian on line. The only way I was allowed to do it was to write in. I have a home equity loan pending and they are waiting for Experian to respond to my written request. I mailed in a written request to a Texas address a week ago. I have not gotten a notification that they received it or not. 

I tried finding a telephone number to contact them, to no avail. I tried again to reapply to unfreeze my account online. At the end of the form they told me I have to write in!!!!!

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 2020-05-06
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX please delete/remove any other variations of my name. My SS is XXXX my DOB is XXXX. 
I went online to follow up on my credit report when I saw the there where several addresses on my file that are not mine please delete/remove the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following phone numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust Mortgage who is servicing my loan ( # XXXX  ) is profiting by utilizing higher than needed escrow amounts on which they do not pay me any interest. In essence, they are getting a loan from me for FREE. I disputed the calculation for escrow but even after speaking with representative and the supervisor they both indicated that overage on my escrow was needed and that they were entitled to it. When I challenged their escrow practices and wanted to assume paying for taxes and insurance directly myself they said that loan to value ratio was at 84 % and needed to be below 80 %. I challenged their valuation of my home which they had at $ XXXX, far lower than the current market value that according to XXXX is at $ XXXX. 

I can only imagine that this is a widespread industry practice not isolated to Suntrust Mortgage Services.  With millions of hard-working Americans being taking advantage of in this unscrupulous manner I would like to request your assistance with this matter. 

Sincerely, 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