BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 Citibank made a wire transfer on my behalf to a XXXX XXXX XXXX account which resulted to be fraudulent. The receiving bank ( XXXX XXXX XXXX ) suspected the account to be fraudulent and refused to accept the funds which were returned to Citibank. Citibank did not inform me that the transaction was suspicious for fraud although was alerted by the receiving bank. Citibank not only did not warn me that I was victim of wire fraud but also allowed me to make on XX/XX/2018 a second wire transfer to another account in XXXX XXXX which also resulted to be fraudulent. Citibank failed for the second time to recognize that the wire transaction was fraudulent. The irregularity of the receiving account was immediately recognized by XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: MIDFIRST BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was on a mortgage forbearance from XX/XX/2020 to XX/XX/2020. I returned to making regular mortgage payments in XX/XX/2020 and have made timely payments to date. I am now attempting to refinance, however, Midland Mortgage is preventing me to do so because I was unknowingly entered into a repayment plan and my statements show that I am late and that I have an outstanding balance ; which is a red flag for the bank I am attempting to refinance with. When I agreed to the forbearance via phone ( no documentation was required ), I was informed by Midland, that any unpaid amount would be added to the balance of my loan. I am now attempting to reduce my monthly payments by refinancing so that I can reduce my interest rate, lower my mortgage and ultimately stay in my home. Midland continues to push me into a repayment plan when I am aware that HUD offers other programs i.e. 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 2018-10-14
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have XXXX XXXX 's a mortgage company,4 to 5 years ago. I called and asked for a notification, they said we had to be six months behind, so we did called back and they said we don't qualify, we got way behind, I think almost a year, then they said we got a notification, and lower our payment, I tried to refinance with another company and they said we had a 40 year mortgage. I checked my paperwork and it had My wife and mine name signed on them, which we did not sign, and then I checked all the paperwork on line, they had servicemember civil relief act paperwork, which myself and my wife, was not in I was in XX/XX/XXXX to XX/XX/XXXX., The reason I'm writing this is I checked my credit report and it had, pai in full, AND it had motifaction paperwork saying loan modified not under a federal government plan, I got on line and checked XXXX XXXX and found out the got sued, nobody let me and my wife know, or I would have signed papers. And also on my statement it says, total regular payment and under that total unpaid amount. Can you help me please, My wife and I never missed a payment until they told us to thank you XXXX XXXX, my numbers is XXXX thank you for all the help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my XXXX yo son made a purchase at the local grocery store and withdrew money from the self serve check out. He missed place his card in between the store and home, only to discover that on Monday XX/XX/XXXX that a check for {$8700.00} was deposited by ATM with XXXX XXXX  into his checking account and several withdrawals of his own personal money from a second checking account was transferred in the initial checking account where the bogus check was deposited. We live in the state of GA and there's NOT a USAA branch in our state to make check deposits except by mobile banking. 
Because my son account in the past was a joint account underneath mine, he is now XXXX but his account as well as both my checking and saving account has been frozen. I have filed a police report with the local authorities and is waiting for the police report. But I have uploaded a copy of my case number from the police to my USAA profile. 
I have reached out to USAA on several attempts to get updates in the investigation only to be told that IF I pay the outstanding fee of {$260.00} for the overdraft on my son 's account of the return check ( bonus check ) that was deposited AND the charges from the transactions that my son made prior to the check being deposited, would then OUR accounts be accessible. 
Now, prior to the check being deposited into my son 's account, my son had funds well over {$800.00} in his accounts MONTHS ago, as well the recent deposit of his payroll check of {$230.00}. So had that bogus check NEVER been deposited into his account, ALL of his transactions would have been cleared. 
So I refuse THEN as I do NOW, to be STRONG ARMED into paying for a debt that HE/I owe to release our funds. WHEN DID WE BECAME A THIRD WORLD COUNTRY TO START USING THESE PRACTICES???? 
WE BOTH have financial obligations that requires the use of OUR FUNDS NOW!!!! So please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, On XX/XX/XXXX, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from Experian Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX Experian received my letter certified mail on XX/XX/XXXX. They replied on XX/XX/XXXX with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' Experian, XXXX, and XXXX has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Your recipient should have the money by XXXX XXXX, 2015. 


Paid withPayPal CreditMake a PayPal Credit paymentShip toXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXUnited StatesTransaction XXXX Seller infoXXXX XXXXXXXXXXXX XXXX Amount {$780.00} Fee {$0.00} Total {$780.00} See details on classic site

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We bought a ticket on XXXX on XXXX XXXX from XXXX  to XXXX on XXXX, XXXX, XXXX paid by Barclay credit card.The ticket was booked on XXXX XXXX, dates XXXX, XXXX XXXX, XXXX. This flight was cancelled due to Covid19 back in XXXX. For some unknown reason XXXX/XXXX  divided this round trip ticket into two separate one way tickets ( {$550.00} and {$480.00} ). We were told by XXXX on multiple occasions that we would get a full refund but we did not receive anything so far. Finally we filed a dispute request on XXXX, XXXX with Barclay CC by which we paid for the ticket. They issued a temporary refund but it was reversed later on. 
I filed a complaint to CFPB on XXXX, XXXX, XXXX # XXXX. We were contacted by Barclay but Barclay did not address the essence of our complaint, namely, that the merchant did not provide service or product we fully paid for and, therefore, did not resolve the issue. 
Meanwhile, we recently contacted XXXX once again and were told that the merchant, XXXX airlines, actually refunded the ticket directly to Barclay credit card on XXXX, XXXX, XXXX. They provided us with the authorization transaction codes : For {$550.00} - auth code XXXX and for $ XXXX auth code- XXXX. 
However, there is no deposit on my Barclay account as of XXXX, XXXX, XXXX and when I called Barclay they had no idea what is going on. Please help to resolve this issue, it is going for too long, since XXXX, XXXX. 
Regards, XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Aspen National Financial, 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 status incorrect

Complaint:
For years I have been contacting XXXX  XXXX regarding this account. I do not have a mortgage with them as it has been paid off and I have demanded cancellation of this account as it was sold to be under fraud basis. They have blatantly ignored and dismissed my requests. I informed them of Aspen continuously contacting me and they still ignored. I am baffled by the lack of assistance from them even thousands of dollars later. I need this account cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
The following accounts are unauthorized inquiries not authorized by me i am filing a complaint that these account inquiries be removed : XX/XX/2021 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 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for Virginia GAS from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XXXX to XXXX and now in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. XXXX  and Transunion will not let me report this fraud or activate a freeze without buying a product.

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 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 a auto loan thru XXXX XXXX dba XXXX XXXX. I have called several times regarding reporting to transunion credit company. I have been told not sure when will update. They are short staffed and every reason. I have filed thru Transunion investigation and they did some updates. At start of XX/XX/XXXX started a new one. Last monthly report showing is XX/XX/XXXX. Shows i have a balance on my credit report of {$6200.00}. I have asked them several times to please update. Nothing. I called yesterday and they said my balance is {$4800.00} roughly. I have struggled with credit. I pay a 21 percent intrest on loan i am ahead on my loan by a few hundred dollars. The diffrence in loan amount also ontime payment as well as balance would help my history and credit score. I also in XX/XX/XXXX had an issue due to covid and they marked me 30 days late. I called to see if they would fix that due to pandemic they wont. I paid extra and got ahead right away so i would be current. I am trying to get them to report payments monthly update balancw monthly. Also reaching out to see if the XXXX XXXX 30 day late will be removed due to covid pandemic. I think its insane that now in XX/XX/XXXX nothing thru my credit on auto loan  has changed on credit. Last time change XX/XX/XXXX. This is unacceptable. Again it is XXXX XXXX dba the XXXX in XXXX Massachusetts. I pay thru the XXXX MA location and updated thru them to there main office in XXXX Massachusetts

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 2021-11-02
Company: EQUIFAX, INC.
State: OH
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a PayPal Credit line of credit, which provides promotional financing for purchases of more than {$99.00}. My most recent billing cycle ended on XX/XX/XXXX and I have still not received a billing statement ( set up for electronic delivery ). My account indicates that I have a payment due on XX/XX/XXXX, but I have no way to verify that payment amount since I have not received a billing statement. I contacted PayPal and they admitted ( in multiple emails ) that there is an error with their electronic billing system and that they are working on a resolution, but have no timeline for when I might receive a billing statement. How is it legal for them to set a payment amount and due date ( and presumably charge interest and fees if the payment amount is not received by the due date ) when they are unable to provide a billing statement for documentation purposes? Do I not have the right to review my monthly statements to verify that all included transactions are appropriate?

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 2021-01-22
Company: EQUIFAX, INC.
State: NJ
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 sent a letter to XXXX, Equifax, and XXXX  on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is a account ( XXXX XXXX ) on my Equifax credit report that does not belong to me. 
I have submitted a identity theft affidavit to Equifax 5 months ago, then 3 months ago and again 1 month ago. Equifax placed a comment on the account, consumer disputes - reinvestigation is in progress. 
This fraudulent account is preventing me from becoming a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
i XXXX XXXX XXXX XXXX consumer did not consent to, authorize nor benefit from any of the following inquiries which is identity theft, Block and remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to detail account XXXX collection agency and original bank I have no affiliation with. Wasn't no opened in my name or with my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my 2nd complain for same issue as New rez couldnot determine who is responsible for my raising of monthly paymnet of escarrow. New rez replied on my previous complain XXXX but never said who is repsonsible for this. new rez increased my ezcarrow paymnet without my consent then who is responsible and why My increased paymnet is declining my refinace status now. 

Please determine and let me know who is responsible for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
This prepaid card receives my Pennsylvania unemployment benefits. On XX/XX/2020, I scheduled a transfer in the amount of {$2100.00} from the card to my personal checking account at another institution. The card did not make the transfer and, instead, totally froze the account such that I have no access to any of my unemployment funds which are deposited with the card. On XX/XX/2020, I contacted the card 's customer service by telephone and inquired why the card had been frozen and was told that I needed to submit identification documents to the card. On XX/XX/2020, I uploaded photos of my drivers license and social security cards to the card 's website portal as was requested by the card 's customer service representatives. Nevertheless, my ability to withdraw any funds whatsoever from the cards remains restricted and I have no access to any funds from the card.

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 2020-12-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir or Madam, I have been using MoneyGram service to send money to my family in XXXX for many years. 
Two months ago their the Web site asked me to submit my ID. I did, even though I don't feel very good about sending my ID to nobody knows whom. For unknown reasons, my American Driver 's license was not good enough for MoneyGram, they just declined it without any explanation. 
I called Customer Service, they were not able to explain to me what happened, and just keep asking me to take pictures of my ID again and send it to them. I did. Again, it wasn't good enough, so I have received an email about my account being terminated! Once again, no explanations offered.

I called Customer Service again, they reset my account, and then - correct, the same story again and again.

I just sent my ID photos again ( for the 4th time ), and
got same response.

I doesn't seem possible to figure this out with MoneyGram customer support, so I was hoping someone smarter could take a look at this situation. I am out of means to resolve it on my own. 
Thank you for your care, and have a great day

Company response to consumer: Closed with explanation