BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Dispute That I have with Select Portfolio Servicing, Inc. ( SPS ), is that as the servicing Mortgage Company they have yet to provide me with Written Proof ( Copy of Title Deed, Sale or Property Transfer ), of the Property at XXXX XXXX XXXX, XXXX, GA XXXX ; SPS Account Number : XXXX. SPS disclosed the Name of a Bank to me in a letter dated XX/XX/XXXX, yet the XXXX XXXX County Tax Records, and the XXXX County Tax Assessors Office, records reflect as of today, XX/XX/XXXX, Parcel Number : XXXX XXXX XXXX, lists that property in my name with a " Fair Market Value '', of {$95000.00}. 

SPS has sent me more than thirty ( 30 ) letters since XX/XX/XXXX, first stating that they are/will be the Mortgage Servicing Company, and beginning XX/XX/XXXX, that I can/should began making Mortgage Payments to them instead of XXXX XXXX? 

I believe that the Law allows me to question a Creditor/Debt Collector, as to the Validity of any Debt? The home in question was transferred to XXXX XXXX  on XX/XX/XXXX, by participating in an On-Site Appraisal, arranged by XXXX XXXX, and after Joint Photos/Pictures were taken, the Keys were taken by the XXXX XXXX   Appraiser, and the Locks were changed, afterwards XXXX XXXX issued me an IRS Transfer/Abandonment XXXX Form, which has also been provided to SPS. 

SPS is fully aware that I am under Federal Bankruptcy Protection, and am not personally liable for the property, additionally, the Property Transfer back to XXXX XXXX is documented by the XXXX. SPS is outright attempting to intimidate me into making Mortgage Payments, which I believe to be in violation of the Law, therefore, I contacted the Bankruptcy Attorney that handled the bankruptcy and asked SPS to contact him, which they have not done. 

SPS 's latest attempt to punish me, came on yesterday, XX/XX/XXXX, when I was contacted by Text and Phone Call from XXXX XXXX XXXX in XXXX, GA. 

I contacted the Office of the Comptroller of the Currency, and received a letter from them dated, XX/XX/XXXX, and they told me to Submit a Complaint to CFPB, as you have jurisdiction for these matters, and to also contact the Georgia Department of Banking and Finance for assistance. 

I contacted the Georgia Department of Banking and Finance, and was told that the only way that they could/will assist is if my Complaint is referred from the CFPB to them. 

Can you please forward my Complaint to the Georgia Department of Banking and Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
2 years ago I decided to change the primary credit card in my household to the Citi double cash back card. I had previously been using a card that provided frequent flyer miles and had been using that card as the primary credit card in my household for over 10 years and I have never carried a balance. My previous credit card had a credit limit of $ XXXX and when I applied for the Citi card I told them over the phone that I needed at least a $ XXXX credit limit for the card to be useful to me. They approved my credit account via email with a $ XXXX credit limit. I called them to complain and they told me it would increase rapidly over time. In XX/XX/2019 the card limit was increase an additional $ XXXX for a new credit limit of $ XXXX. About 2 weeks ago I updated my income and mortgage information through the Citi app and requested a credit limit increase. The increase was denied. So I called them to ask for their credit limit qualifications which they would not provide. I have an annual income of $ XXXX and a current credit score of XXXX ( was XXXX until we went over the $ XXXX credit card limit ). I own my home and have $ XXXX equity, I don't carry any credit card balances and my debt ratio is less than 10 %. My mortgage payment is {$1700.00} per month. My complaint is that I know that there are lots of Citi double cash card owners that have credit limits well in excess of $ XXXX and I would say that most of those do not have the earnings, credit score and  minimal debt ratio that I do. So I feel that I am being discriminated against because I pay my balance off at the end of each month and in reality I am not the type of customer that they want. They don't get to charge me annual fees, late fees or interest and they have to pay me 2 % cash back on all purchases. I lose money on customers like me and I believe they are holding back the credit limit that I am qualified for because they don't want to lose even more money on my account than they do 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
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
INVESTIGATION REQUEST LETTER To whom it May concern.

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities. All three Credit Bureaus are reporting the incorrect and different credit scores. Equifax, XXXX, XXXX XXXX have all been reached out by me and contacted. Some people are reporting things on me I never verified. 

Are you Familiar with something called the 15 U.S.C. Sec. 1681i ( a ) I heard if you cant provide proof of these accounts to verify if they are correct. So, could you please check on these and get back to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigations results.

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 2018-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
CAPITAL ONE BILLING STATEMENTS ONLINE ARE MISLEADING! THE STATEMENT SAYS TO PAY THIS AMOUNT FOR FULL PAYMENT! WHEN YOU PAY THE FULL PAYMENT AMOUNT, A SEVERAL DAYS LATER INTEREST IS ASSESSED TO YOUR ACCOUNT AFTER THE ACCOUNT HAS BEEN PAID IN FULL. THEREFORE, THE BILLING STATEMENT IS MISLEADING AND INACCURATE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last two 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 2019-03-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX has locked the member out of the account and has disregarded the request for the member to transfer there funds electronically to another account. It's not Navy Federal who is withholding the funds but XXXX XXXX. Therefore, I am making a complaint personally against her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear To Whom It May Concern, On XX/XX/XXXX, I have contacted XXXX about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their apple pay/online charges. When I notified XXXX they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.

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 2023-03-09
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have money in my escrow account at Mr Cooper they work with a company called XXXX they do all the escrow payments problem is no one can reach them by phone and only people from Mr. Cooper can type them a message and wait for a response sometimes it takes hours sometimes days they received bills for my taxes that were due on the bottom of the bills and tells you if its escrow or its non-escrow. In any case XXXX took the money out of my escrow and pay the sewer bill that I already paid because its my responsibility and not theirs. I was very disheartening to find out that weve got eight weeks to wait for them to correct the problem and put my money back in my account Ive made 15 attempts to get them to move it in faster and then Ive signed papers to try and do my own escrow myself because I never wan na deal with this again Ive always handled my own taxes and insurance without escrow. I will be sending you pictures of the Mr Cooper bill for my taxes so you can clearly see what was taken out and sedate I do not have it back in my account since mid XX/XX/2023 were in XXXX the middle of it right now. I dont want somebody holding onto my money and earning interest on it well I have to sit and wait for the end up back into my account if I wasnt on top of things Id forget about that and not go into it also XXXX XXXX app is not accurate when you go into looking at your escrow amounts and your mortgage payments its very confusing and they dont show where the money was taken out yet I got a bill that it was taken out I also have a friend that runs the tax office in XXXX CT and she asked me why I paid it twice thats what tipped to be off!! not Mr Cooper not XXXX and that strange how they werent going to tell me what they did with my account. I dont like it its unethical I dont trust them and I dont want their hands in my escrow account anymore I need help with this. Mr Cooper and employees do not seem to see the urgency and putting money back after they made a mistake and it wasnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter about a debt from a CitiBank credit card, which I have never owned nor opened. It was called a XXXX Anywhere Card by Citi, and was used at a XXXX Maryland XXXX. 
The billing address I found out is a pizza place in XXXX, Va. I am quite upset that Citi allowed a card to be opened without my correct address in XXXX Va that I have been at for 6 years, and without letting me know that this card was approved. Upon calling Citi and asking what happened, they transfered me to a collection agency, XXXX XXXX XXXX , XXXX That agency immediatly strated trying to get payment, and would not listen to my explaination. When asked why I was transferred to them, they said Citi had sold them the debt. They are not pleasant and forcefully told me I was being recored and wanted payment. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Deposit of {$1000.00} was sent at XXXX XXXX Monday XX/XX/XXXX, trading is allowed until payment clears, before the payment cleared 1 day later, I attempted to sell the bitcoin I had bought with my remaining balance, I wasn't able to sell my bitcoin, the platform showed I had bitcoin but treated it like if it was stuck on an open order, I did try to set a limit order but it didn't go though. After that my funds cleared today and I'm still unable to withdraw or trade my bitcoin Case:XXXX I sent screenshots of the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: On-Site Manager, 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:
I recently applied to an apartment complex and they used a company called On-site run my credit report. To my surprise i was denied due to incorrect information on my file. After further investigation with XXXX, they stated that my report was never ran and that On-site has mixed my file up with another persons file. On-site Claims the information is from XXXX, XXXX States that none of the information provided to me by Onsite is on my credit report. On-site refuses to remove that item or investigate that item and that they tell me that i have to go to the court house to get some document about another person who is not me to have state that on the court letter head or docs. That's impossible for me to get something that doesn't belong to me. I have been fighting with their so called supervisor and he tells me their nothing he can do and that item will remain on my file. I told him that the burden of proof doesn't fall on me and as a credit reporting agency they have to validate the debt by verifying my social security number, date of birth and drivers license number. None of which is on that judgement they claim to have on me. Another thing is the rep kept asking me if my social ended in XXXX and i told them a hundred times, that is not mine. They have corrupted my file and are mixing my report up with another individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: ERC
State: VA
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:
while checking my credit report with XXXX i noticed an account that stated that i was derelict in the amount of {$640.00} but was a balance of {$0.00} as present.i have no knowledge as to where this comes from. i have never had any relationship with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions 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:
I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last two 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2022 I fully paid off all of my credit card accounts and one personal loan account. At that time my XXXX credit score was XXXX. Then today my credit score dropped to XXXX. Most of the information is incorrect such as oldest credit line went from 30 years to 4 years (??? ). My credit used shows 87 % which is incorrect. I do not owe anyone anything. My available credit decreased from approximately {$12000.00} down to {$660.00}. This does not make sense. I paid off 100 % all of my bills and my credit score goes down. What is wrong with our credit reporting agencies? I will be writing my US Congressman and US Senator about this unacceptable credit reporting misinformation issue. I paid off 100 % of my credit cards and personal loan and then my score goes down! This should not happen to anyone, especially persons who pay their bills. I hope these credit reporting agencies did get my name mixed up with someone else 's. I am a XXXX senior U.S. citizen and I don't have the time or physical energy to chase down these credit bureaus mistakes.

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