BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to the BECU atm to make a deposit- used my card, entered pin chose deposit ( I had 16x {$50.00} bills ) {$800.00} total. The machine accepted the cash and counted it, the screen asked is {$800.00} correct? I clicked the green check mark, the machine then made a processing noise for a minute then had the message unable to return your cash. It was still making a processing sound. I waited a few more minutes and the machine seemed stuck in this mode so I hit cancel. My card was returned with a receipt that said unable to return your cash. I then started a new transaction to check my balance and there was no record of the {$800.00} I just put in. Since this was a holiday ( Monday XX/XX/XXXX ) I called the bank Tuesday morning to report what happened. I was told that it would be looked into and it may take up to 10 days. Today XX/XX/XXXX I received a letter stating that they had no record of my deposit and the investigation is closed. Since I had my receipt with the time, I knew exactly that I put in 16 {$50.00} bills, I had the machine number and they log transactions with my card- how can they have no record? Also- your on camera at the atm. How can there be no reconciliation of the money put into the machine? I called BECU and told them I was upset by the Letter and I was not satisfied and got the representative to fill out another request to investigate, I faxed her my receipt from the atm from the transaction that says there was a error returning your cash. I was told it will take another 10 days. There was no offer to return the funds in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan from ONE MAIN FINANCIAL in XXXX 2018 ; and was denied. ONE MAIN alleged I was denied because of information on my credit report. My credit report did not reflect any adverse credit information.

So, I wrote to ONE MAIN and requested that they provide me with a letter stating why I was denied a loan. Pursuant to Title 15, Sec.1693 ONE MAIN had a duty to answer me within thirty ( 30 ) days. ONE MAIN failed to state to me in writing a legitimate reason for turning me down for a loan. ONE MAIN is liable for damages under Titile 15, Sec. 1691 ( e ), & ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MI
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:
Reporting wrongly information I have told them over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian has failed to remove the unverified Public Record-Bankruptcy from my file. Experian advised they verified a Bankruptcy associated with me with the XXXX District of Georgia Bankruptcy Court. I have documents supporting that is incorrect and not the truth as they do not provide information to credit reporting agencies. This bankruptcy belongs to someone other than me. I have no association with the Bankruptcy and Experian has failed to provide any documentation associating me with the bankruptcy. Experian is well aware they are in violation of the FCRA to delete inaccurate and unverifiable information within 30 days.

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 2018-02-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Received an American Express offer for XXXX XXXX XXXX new membership. 
Purchase a new membership online and receive {$25.00} credit. 
Purchased my membership on XX/XX/2018 but never received the credit Contacted American Express customer service, but they weren't helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Around of XX/XX/XXXX.-XX/XX/XXXX I applied for VA Loan modification and during the process I filed a Bankruptcy Chapter XXXX on XX/XX/XXXX. 
VA Lenders First Continental and XXXX XXXX and approve loan modification in which mortgage was still not affordable. 
But I signed documents because of my fear losing my home. 
On XX/XX/XXXX, I also requested for VA Loan modification as mortgage is not affordable and VA Lender had me fill three of four applications for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX I was denied on VA Loan modification and during application VA Loan modification process Va lenders pull my credit about five times and my credit scores has dropped to around 580. 
On XX/XX/XXXX VA Lenders pulled my credit with XXXX, XXXX and XXXX for another VA Loan modification.Why pull my credit if modification is going to be denied again around XX/XX/XXXX And my home been foreclosed on XX/XX/XXXX. 
I filled all new VA Loan modification application and provide all information requested. 
There is a fraud, scandal and corruptions on my VA Loan with XXXX XXXX of XXXX, Texas and XXXX XXXX XXXX of Texas. 
XXXX XXXX sold my VA Loan to First Continental and XXXX in XX/XX/XXXX. 
Also VA Home purchase and appraisal was inflated to sell my new construction home on XX/XX/XXXX for {$240000.00}. 
No homes was sold for $ XXXX before XX/XX/XXXX.After XXXX XXXX made their profit of $ XXXX than after XX/XX/XXXX some homes was sold around $ 240k, etc. 
I provide evidence to Federal Government on XXXX, Texas comps sales of XX/XX/XXXX a home that was much bigger than mine sold for $ XXXX. 

XXXX XXXX  alongside with XXXX XXXX  of XXXX, Texas are in a fraud, scandals and corruptions on my VA Loan and this why I am having issues with my VA XXXX. At XXXX my mortgage will be much affordable. 
I am XXXX and Retired and on a XXXX fixed income.I am divorced and live alone in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Contacted Equifax to get the freeze lifted for 30 days on my information. I was given a confirmation number by Equifax. Two days Iater I contacted an agency I am trying to do business with and they told me to hold, when they came back they said the freeze had not been released. I called equifax, I told the person who answered the phone I needed them to check on a confirmation and gave them the number, they said they could not confirm, but wanted me to answer numerous questions. I called the number for the corp. office, told the person i would like to talk to some one in corporate to get them to help me. When I told her what I needed she transferred me to the same customer service and the same thing happened. It has been 4 days as of today contacted the people I am trying to do business with and they again informed me the account with equifix was still frozen. Need this FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive tried disputing this account with this company several times and the company failed to provide me with verification of a contract with their agency bearing my signature. Ive also called the company to ask them to provide me with information that theyre legally bonded and licensed to collect on a debt within the Maryland area. The representative got rude and hung up on me after I disclosed to her that, I researched the company name and license in the state of Maryland and their license has been expired since XX/XX/2020. Which makes them not legally bonded nor licensed to conduct business in this state. She then told me that I needed to take that up with a supervisor who she transferred me to their voicemail, where I left A message and have yet to get a response back. This was over three weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I was notified by BARCLAYS BANK DELAWARE of late payment. I told them I have not order any movie or such service. I was told they will investigate and credit my account. But every time I run my credit it show up. I called several times to have it credited and removed from my record. I was told the quickest way will be to cancel my card which I did but up till now it's still showing and affecting my credit. I have be communicating with them for 3 years now about this and they keep telling me it will be taking off but they don't do anything. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-18
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint ( Number : XXXX ) with thd cfpb on XX/XX/18 regarding two collections accounts being placed on my credit report on in the amount of {$500.00} each by Commonwealth Financial Systems.

Commonwealth Financial responded to this complaint on XX/XX/18 stating that they would remove the collections account from all the reports of all three major credit bureaus. However, the company has failed to honor their statements made to the cfpb. As of today, the two collections accounts for {$500.00} each STILL remain on my credit report. 

Furthermore, the company sent the initial debt collection letters to me on a letter dated XX/XX/18. One day later, XX/XX/18 this company added these collection accounts to my credit reports. I had not even received their initial debt collection letter before they put these collection accounts on my report. They did not allow me the opportunity to even dispute the debts in writing prior to adding these negative remarks to my account. These debts do not belong to me. I have since disputed these accounts that do not belong to me in writing. 
The company has in return sent me an itemized statement created by them showing these debts that I do not owe. The itemized statement did not come from the alleged original debtor ( XXXX XXXX XXXX ). I request a full investigation into this company as well as their predatory debt collection tactics. I have contacted XXXX XXXX XXXX directly in person and they do NOT have record record of these debts that Commonewealth states that I owe. I am very concerned about this company and would a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Credence has called my parents home and me repetitively, although I asked them to stop calling me over a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I currently have my federal loans in borrow defense since XX/XX/XXXX. the XXXX XXXX/XXXX  ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.

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 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was trying to link my Capital One account to my Chime account in order to transfer money and received this message : Capital One is blocking you from enabling external applications File a complaint with the CFPB The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. 
You can alert Capital One that you need access to your financial data by filing a complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
State: MI
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:
I currently have my federal loans in borrow defense since XXXX the XXXX XXXX ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXXwhich goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TD BANK US HOLDING COMPANY
State: KS
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refi with XXXX XXXX XXXX who is my current mortgage company in XX/XX/XXXX. I was instructed to not pay my mortgage for XX/XX/XXXX and XX/XX/XXXX as the refi process was ongoing. Specifically I was told by loan processors that it was my choice to pay it but I did not have to as the refi process would " Take care of it. '' Today as my refi was to close almost 45 days after I applied on XX/XX/XXXX. The loan was closed out and I CALLED THEM to find out as my loan portal was empty. I was told that FHA regs cant go through as no 30 day lates were to be on my loan. I am beyond angry and feel like a fool for listening to these people. I am out {$500.00} for an appraisal as well as now have to make a double mortgage payment. I need help as they just brushed me off, I no longer desire to do business with these people as I was misled and now forced to wait as this bigly impacts my credit. I have nearly 100K in equity and I need to access it for home repairs and some consolidations. Is there any thing that can be done?? No where in my documentation did it say contrary to me paying the mortgage. I followed instructions to the T. I have all correspondence saved as well as documentation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/2020, I purchased three airline tickets with XXXX XXXX, XXXX for the amount of {$1000.00}, but due to COVID-19, the XXXX government banned all entrances to the country ( documents attached ) and flight was cancelled BY AIRLINE. I did have to find out all by myself since XXXX   notification was sent to us, two days after travel s date, ( please see attached, copy of e-mail sent by Airline on XX/XX/XXXX, when flight date was XX/XX/XXXX ) of flights cancellation. Now Airlines refuses to give us back the permanent credit to our account, arguing that I purchased a non- refundable ticket. As I had explained to the credit card ( Citibank ) and Airline, THE FLIGHT WAS CANCELLED BY AIRLINE, how were we supposed to flight. 
Meanwhile credit card company, CITICARD, has been just staging, our rights back and forth with the merchant ( XXXX XXXX XXXX VA ).  We have provided documentation to the credit card company that by law, stated by Aviation Consumer Protection by US government, passengers are entitled to a refund of the ticket if flight is cancelled and even if schedule changes. 
Every time Citi receives a reply from the merchant, our rights are waived and amount is charged again to our account.

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 2019-02-13
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've resubmitted a mortgage modification request with financials again. I've provided this information to my mortgage servicer several time. I requesting a mortgage modification with a fixed interest rate and 30 year term. My mortgage servicer has been unwilling to provide a modification with fixed terms and fix rate for my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This company : Closing USA LLC involved in my home refinance process in 2020, and all the closing process is done. 

However, when I review the document they supplied to us, there is one item called 'current property taxes due to XXXX XXXX ', the total amount is {$4100.00}, and I also reached out to XXXX XXXX admission department, the staff there confirmed that this amount of tax is paid by closing usa LLC , But I did not receive any Year 2020 form 1098 from Closing USA LLC till now, it is only one month left for the deadline of the tax return. I am very anxious. 

I tried to reached out to closing usa llc using phone, email, voicemail, but none response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Global Lending Services LLC
State: UT
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:
1. On XX/XX/2020, GLOBAL LENDING SERVI add a hard inquiriy on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX XXXX  add a hard inquiriy on my credit report per XXXX. 
3. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice  to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain  reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ). 
XXXX Reported : XXXX XXXX, XXXX {$11000.00} Closed XXXX Reported : XXXX. XXXX, XXXX {$910.00} Closed XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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