BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied to open an account at BMO Harris on XX/XX/2020. At the time of my application, I signed up using a promotional code that promised a bonus upon the completion of certain requirements. These requirements can be found here : https : //www1.bmoharris.com/api/us-banking/secure-message/customer/conversations/5f7b536c7324033affe4ad04/attachments? url=7C7769BA-D9AE-4DD0-B0D4-3CE580A376C7 & type=pdf & filename=promo031820 My account was not initially opened, as they needed to verify my address. However, after I sent in my verification documents, my account was opened. However, this occurred after XX/XX/2020, which was the last day of the promotional period. Therefore, BMO Harris is now claiming that the promotional code that I applied is not applicable and that I am no longer eligible for the bonus.

I have already started the process of completing the bonus by changing my paycheck direct deposit to BMO Harris and depositing the required amounts for the Money Market bonus. I believe I am eligible for this bonus because I completed my application within the promotional period, the fact that BMO Harris couldn't verify my information is not my fault. My account should not have been opened if I wasn't going to be eligible for the promotion and it should have been clearly stated that I wouldn't receive the bonus BEFORE the account was opened.

I have reached out to BMO Harris numerous times and they confirm that I am not eligible for the bonus and they could only retroactively apply the promotion if there was an error on BMO Harris ' end, which they are claiming there is not. I believe there is.

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 2020-12-09
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited my cards act check. Shortly after the check cleared the bank put a hold on the account. I requested that the account be closed and the funds sent out. The bank has been holding my funds for over 30 days and informed me they would be holding the funds indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 discovered I have fraudulent credit inquiries for companies I never gave permission to pull my credit reports. On all 3 of my credit reports it shows on XX/XX/XXXX that XXXX XXXX pulled my credit without my permission, XXXX XXXX XXXX   XXXX pull my credit without my permission on XX/XX/XXXX, and some company called " XXXX XXXX XXXX '' on XX/XX/XXXX. I demanded and requested these items be removed from my Transunion, XXXX, and XXXX credit reports and none have been updated after being told they would in a short time frame.

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 2017-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been reviewing and monitoring my credit report and Capital One and XXXX, XXXX and XXXX still has n't deleted permanently the negatives and charged off wordings with on my credit reports. On XXXX XXXX,2016 a Bankruptcy Chapter XXXX was filed and XXXX by Federal Judge on XXXX XXXX,2016 in XXXX, Texas Federal Court and Capital One Credit cards ending # XXXX and XXXX and any Capital One credit cards negative wordings on my credit reports should be deleted immediately. Under the Federal Fair Credit Reporting Act,15 U.S.C & 1681 ( FCRA is a legislation enacted to promote the accuracy.fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$15000.00} XXXX XXXX XXXX LENDING | XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} UNIVERSITY FED CR XXXX | XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX | Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX | Date of Inquiry : XX/XX/XXXX XXXX/XXXX  | Date of Inquiry : XX/XX/XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX-XXXX  | Date of Inquiry : XX/XX/XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a Citi master card which I wanted to cancel about three weeks ago. When I called, I was told that my account was deactivated. Upon hearing this I asked for a confirmation number to confirm the fact that my account was officially closed. I was told that their system doesn't generate confirmation numbers and that I will receive a letter in the mail confirming the cancellation instead. Today, XX/XX/2018, I did not receive a account cancellation confirmation, instead I received a promotion letter. I'm officially submitting this complaint against Citi ( Sears ) master card and would like to have them cancel my credit card. 

- 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 2018-07-13
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, my outstanding loan balance was {$650.00}. A payment of {$650.00} was due on XXXX XXXX and was received by PHH mortgage onXX/XX/XXXX. I  received a letter from PHH, dated XX/XX/XXXX, stating that a payment of {$700.00} was due by XX/XX/XXXX. I called PHH customer service and received the following additional information : 1 ) My payment from XX/XX/XXXX was not credited to my account because it was not received in the form of a certified payment ( wire transfer or bank check ) and did not cover the full amount of the loan which now included a Recording Fee. 
2 ) My payment from XX/XX/XXXX would be refunded to me after I paid the loan balance in full ( e.g. {$700.00} ). 
In response, I would provide the following : 1 ) I was never informed of and hold no correspondence from PHH prior to XX/XX/XXXX, including the original loan paperwork, indicating the amount of the Recording Fee nor of any requirement as to the form of the final payment. I was basically informed on XX/XX/XXXX what my payment amount due on XX/XX/XXXX was and because I didn't pay the correct amount they are still charging me interest on the loan. How can that be legal? 
2 ) If I had not made my regularly schedule loan payment as required by XX/XX/XXXX, I  would have been subject to an additional late payment fee. 
Given the procedures implemented by PHH to notify borrowers of these requirements after the maturity date of the loan it is impossible for the borrower not to incur additional interest charges and fees or to be required double remit their final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
They are reporting inaccurate information on a paid off account. {$150.00} at the place where the debt come from but its still have it reporting 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 2020-12-09
Company: Solar Mosaic LLC
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: Problem with personal statement of dispute

Complaint:
Solar Mosaic erroneously reported the account type as a mortgage as noted by XXXX instead of XXXX. The company agrees that the account type should be reported as a portfolio type = installment I and account type 9A secured home improvement. Further, the XXXX account does not constitute a lien on real property, this information can be found on section 7 of the loan agreement. The loan is secured by secured by a lien only on the Solar equipment itself we do not file a lien against the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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 was made aware of some accounts and inquiries on my credit report that do not belong to me ; the reason I found out that there were accounts/inquiries on my report that I never opened is because I had my credit ran at the XXXX dealership today XX/XX/20 and because of the accounts I listed on this report, I was not approved for the auto loan. I don't know who these accounts belong to since I have never given anyone permission to open these or any other accounts in my name. I did not benefit anything from these accounts ( money, goods, services, any other benefit/privilege ) nor did I contribute to any payments that might have been made towards these accounts. I do not have any contract or affiliation to any of the companies listed on this report and I never allowed them to run my credit. I have already filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX I faxed over a line if credit request to pay for property taxes and this is the second year the company has denied and have put my XXXX year old mother through XXXX. i have full power of attorney. this caused a late payment due last year and after months and many calls and many faxes they finally deposited $ so we could pay the property taxes. this year they are telling me that they called me and I told them its not authorized. it is a blunt lie. champion mortgage is up to something shady and i need someone to investigate this Co. my moms home is worth XXXX and the only reason we took out the reverse mortgage was for her property taxes to be paid!! every year they lie and play games

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: DISCOVER BANK
State: LA
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 have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: IL
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:
On Thursday XX/XX/2018 I reached out to this bureau to request that fraudulent student accounts that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. They did remove some but not all of the fraudulent items. 

They did not remove : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX XXXX I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s )  they are receiving this fraudulent information from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
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:
XXXX, XXXX  and TransUnion arent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.

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 2017-09-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX/XXXX/XXXX, I found six of my citi credit cards were closed without any notification. By the time they closed my account, I still have much reward points in my accounts.

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 2018-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Friday, XX/XX/2018 I attempted to link my credit cards to the XXXX XXXX app as it is an extremely useful budgeting tool. I authorized the app to access my account details with both of my primary credit cards, XXXX it and Capital One XXXX. The XXXX card synced up fine. The Capital One card did not and the app showed a message saying that Capital One was blocking access to my information. 

I called Capital One customer service. The employee I spoke to said that the only supported third party app was XXXX. But she made a change in my account and then asked me to try to link the app to my account again. This time it worked. The app synced all my data and it worked. Then I thanked the employee and hung up the phone. As soon as I hung up, the app lost access to the account again. I tried to link it again and the same message popped up. " Capital One is blocking access ... '' I called again, and got another employee on the phone. They made a change and asked me to try again, and it worked. Then it stopped working as soon as I hung up the phone. Again.

I suspect Capital One is intentionally blocking customers from accessing their financial records via third party apps that have explicit authorization to do so. I suspect that customer service representatives have been told to allow such access temporarily during a support call, only to once again block access and leave customers under the impression that the app is somehow at fault and not Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On Thursday XX/XX/2018 I reached out to this bureau to request that fraudulent student accounts that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. They did remove some but not all of the fraudulent items. 

They did not remove : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX XXXX I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s )  they are receiving this fraudulent information from.

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 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I opened this XXXX  account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.

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 2020-11-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I sold an amplifier via Paypal for {$1600.00} to a customer XXXX XXXX in XXXX via transaction # XXXX. PayPal kept the money of {$1500.00} MrXXXX XXXX wanted me to ship the item to XXXX. I spent {$150.00} to the ship the item sent the customer the tracking number and asked PayPal to release the money. 

I called Paypal when they told me that it would take 60 days top release the money and I had no seller protection because the customer made me ship the item to an address that is not on his PayPal account and they told me that I should reverse the shipment which I did. 

Now Pypal is charging me {$70.00} for the difference in the commission they have already taken for a transaction that has been reversed. 

I have lost nearly {$300.00} on a Pypal transaction I am tired of dealing with PayPal call centers in XXXX which is a criminal waste of time where people earning XXXX cents an hour waste peoples time in USA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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: Account information incorrect

Complaint:
On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
Prestige Financial Services Account Vice President XXXX XXXX has sent XXXX, XXXX, Equifax and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX  XXXX XXXX  information ,XXXX XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX direct number XXXX.and fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX  to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of this debt and was completely ignored. I had two insurances : a private PPO and I am a XXXX Veteran and VA picked up the remaining debt as I am service connected. I have no idea how I can have all of this insurance and still have a medical debt. I wrote the original creditor and Progressive and asked for an itemization and received absolutely no response except to have it placed on my credit report. No itemized bill no written response nothing. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FDCPA Section 809 ( b ) and FTC opinion Letter Cass from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX Paramount Recovery reported to all three credit bureaus that I have an outstanding medical bill with the original debtor XXXX XXXX XXXX in the amount of {$960.00}. On XX/XX/2020 I contacted XXXX XXXX XXXX to settle the debt for a lower amount since they had sent me a letter in the mail dated XX/XX/2020. I paid XXXX XXXX {$380.00} and the debt was satisfied and the debt was removed from my credit report. Now the same debt but different debt collector is trying to collect the money for the same medical bill. I called today and spoke with a customer service at Paramount but all I was given was an email address to send all of my information that I paid and nobody contacted me back to inform me the debt was removed from credit report. 
XXXX XXXX XXXX XXXX Paramount Recovery XXXX

Company response to consumer: Closed with explanation