BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-24
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since XX/XX/2018, XXXX  has failed to post and credit my automatic payments and any other payments to my account even though they debit the money from my bank the every next day. Ive called several times to get this corrected but that hasnt happened. 

In late XX/XX/2018, I noticed that my payment was not credited after over a week and called XXXX. The employee told me my payment would be on hold for another 7 days and that he would not credit my payment sooner unless he called my bank with me on the line proved I actually made the payment. He asked me for my bank info and joined the calls. I became suspicious because after he yelled at me for hitting the button to bypass the prompts to speak with someone, and said I should have let him hear how much money I have. On this same call I asked him why he didnt answer when I asked him if he needed to verify anything else while on the call with my bank and he told me he didnt answer me because it was illegal for him to have done what he just did. 

Each time I called back the CSR has told me they want my bank info so they can call my bank and listen to prove the check actually was paid by my bank. I repeatedly told them I already know my payments clear the next day after theyre paid and that we both already have proof of it. I also asked why they were doing this and was told they dont know and that it might be a system glitch. 

The most recent CSR put me on hold for very long periods and while holding I read my credit card agreement. When she got back on the line I told her I see they are in breach because it states they are to credit payments the same day as long as its made by XXXX, or the next day, if its made after XXXX, then she asked me to hold again hung up on me. I called right back and they next CSR apologized and said she noted the inappropriate behavior of the prior agent and would help me, while she was talking someone hung up the phone again. Ive called back several times and each time someone disconnects the call. 

Ive attached a screenshot of the XX/XX/XXXX additional payment I made on top of my automatic payment and as of today, XX/XX/18, it still has not been credited to my account ( do not post this attachment publicly ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacting you again because I filed a complaint about TransUnion on XX/XX/20 complaint number XXXX letting them know that These accounts listed on my credit report are fraud. I have explained to TransUnion representatives several times but they continue to report Fraud accounts. The accounts for Division of Child Support, XXXX XXXX, XXXX, and XXXX XXXX are not mine. I have not received anything from these companies & did not give them my information to open any accounts. This stuff does is all FRAUD. 
They responded with We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 
I submitted this complaint for this same reason they never do anything to get issues resolved as of today XX/XX/20 they are still reporting these accounts. I am asking again to please delete these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, 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 status incorrect

Complaint:
Loans in my name and never paid back or late payments .... hacked my bank account and I had to get 3 new cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance on XX/XX/2020 with Navy Federal Credit Union. On XX/XX/2020 NFCU advised they received the home appraisal completed. The processor advised me we were within 2 weeks of closing. The file was transferred from XXXX XXXX to XXXX XXXX. He did not return calls or emails with me. He states he did not receive rate lock in paperwork. He delayed even requesting subordination on the loan until I started calling the main line and complaining and requested title company information be added by the representatives. By this time I had been escalated several times to managers. XX/XX/XXXX XXXX XXXX supervisor requested updated information..paystubs etc. I was not happy but did resubmit. I complained online on social media Asking for my money back-then they asked for another credit report and transferred me to XXXX XXXX a new mortgage processor. I am still waiting and being stalled its XX/XX/2020. I called and confirmed with XXXX  XXXX XXXX they only received the request for subordination XX/XX/2020 and it should take them 7 business days to respond. A simple refi should not take 8 or 9 months. A class action lawsuit needs to be brought against them. This is happening to many borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Hello, I've seen myself affected by the practices conducted at First Citizens Bank. An acquaintance who works at the bank advised me to open a new checking account for there was a promotion happening. I was in the market for a new account to consolidate my outgoing payments and manage may day to day spending better. However, the following weeks I had several issues sending payments out, receiving deposits, making online transfers etc. I was in touch with support many times but resolutions were never satisfactory. Furthermore the account began incurring a monthly fee three months sooner than the bank representative mentioned and for more than I had been advised. Uncomfortable with the new developments I found First Citizens Bank to be an unfit match for my necessities and the process to close my account was comiences and seen to conclusion. Fast track to several months later I receive a credit alert from services I hire that I was sent to collections. Further investigation showed that my lovely financial institution was asking for alimony from our past relationship. Please let me go, we weren't meant for each other. Thank you : )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection letter from Receivables Performance Management LLC dated XX/XX/XXXX stating I owe XXXX XXXX XXXX {$2000.00} for account XXXX. There is {$0.00} in the field for collection fees. I recently found the paperwork from XXXX XXXX XXXX dated XX/XX/XXXX stating the amount due is {$1700.00} for account XXXX. When I contacted the company earlier today and asked about the difference in the amount owed the agent from RPM just kept reinstating the settlement offer. I wonder how can the settlement offer be fair if the principal amount owed is incorrect. I am reporting this because I am not sure if this is just a clerical error or if the company is trying to collect more than what is owed to XXXX XXXX XXXX for Receivable Performance Management LLC profit. I don't this company taking advantage of people.

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 2019-09-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My financial hardship started inXX/XX/XXXX. Prior to this date, I made every possible attempt to ensure that my monthly mortgage payments are made in a timely manner. However, due to business failure and medical situation I was unable to make my monthly payments. By the time I'm ready to pay the balance due and get reinstated, the loan transferred to PHH/ Ocwen Loan Servicing . Despite all attempts in obtaining a loan modification, as this date, we have received a deceptive response from PHH / Ocwen Financial Services. I have made numerous attempts to reach a representative with PHH / Ocwen Financial Services and have submitted the required documents for a loan modification through US mail and also their web portal. However, due to the lack of communication with a customer service representative and or the Relationship Manager has been a major challenge. Calls are placed on hold for hours and at the end unable to obtain accurate information. Consequently, due to inconsistency with the manner PHH/ Ocwen Loan Servicing conduct business, they denied the request for the loan modification incorrectly. As of this date, they are ignoring the appeal for the loan modification denial using incorrect income, family income that contributes to helping with the housing expenses and incorrect property value. I have disputed the inaccurate NPV input chart and yet again my request has been ignored. It will be devastating to lose my home when I have to care of my XXXX children and XXXX XXXX senior citizens that will consequently be displaced should we lose our home. I just feel like, PHH/ Ocwen Loan Servicing is motivated to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
( XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2019-09-13
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit 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 placed an order XX/XX/2017 and I paid with my Comenity Bank/XXXX   credit card. I did not receive the items, and immediately advised XXXX customer service of my issue and called them several times after my initial call. I did not receive a response from Loft until XX/XX/17 asking for clarification on which items I did not receive. I immediately emailed customer service back the same day and advised that I did not receive any of the items I ordered. I did not receive a partial refund to my account until XX/XX/2017. I had to make several more calls for the other portion of my refund which was finally refunded on XX/XX/2017. I had to make several payments to avoid being reported late even though I did not owe any money. By the time everything was refunded I was advised by customer care that they would not report the late payments to the credit reporting agencies because of their negligence. However, I have been reported late and they are advising there is nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
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: Their investigation did not fix an error on your report

Complaint:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, 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 non-monetary relief
Consumer complaint received 2019-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had a Kohls charge account for over 15 years, I have not used the card in about 2 years but log on weekly to check my account, I tried to log on last week and could not access my account, I called Kohls customer service multiple times and multiple emails and they have no record of me ever having an account with them. The CS reps seem to think that my account was closed due to inactivity, which I understand, but I have tried to ask for a confirmation of my account being closed and a current balance ( which should be {$0.00} ) but they can not provide me with either. As a consumer I feel I have the right to be notified when any account of mine is closed and they should furnish me with the ending balance of my account for my records. Is it very strange they have no record of my account after 15 years and with identity theft very common I am concerned. I just got off the phone once again with a Kohls rep and once again no record of my account, at this point I just want to close this account, but I should receive documentation of the account closing and any balance due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have mailed notarized FTC affidavit and a notarized FTC report to XXXX XXXX XXXX!! they keep reporting this fraudulent account to Equifax but have removed from experian and XXXX!! They keep sending 50 million questionnaires to me and wont STOP! They Wont stop reporting this fraudulent account! I will be taking this to small claims and suing for damages!! Do you honestly think Im gon na hand my personal information to you in this questionnaire?? NO! I have mailed certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018! XX/XX/2018 is waiting for them to pick up!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
froze my account costing me money i cant pay my bills b/c i put a dispute that i've been hacked now i'm late on all my bill cra and ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB : I desperately need your assistance. My home is in foreclosure. I had a short sale approved since XX/XX/2018. The buyer and I have been ready, willing and able to close this matter but have been unable to do so because of my lender. Attached is a claim for {$45000.00} which came up during my title search. My insurance company issued a check for damage for {$13000.00} and was not aware that the City of XXXX XXXX ordered the garage demolished as it was a danger to the public and could have collapsed. XXXX XXXX upon reviewing the claim issued another {$18000.00}. My lender is holding over {$31000.00} issued by insurance carrier which should be used to pay my property claim. If they do not pay this claim the City of XXXX XXXX will put a lien against the home and me as the owner for {$45000.00}. My attorney for over 4 weeks has been attempting to resolve this matter. They keep sending her to property loss then to hazard insurance department then back to home retention department and on and on it goes. We are now 13 days from my closing deadline and I am simply getting no where. Not only am I facing my credit be permanently destroyed by having a foreclosure sale instead of a short sale on my credit, but this procrastination is opening me up to {$45000.00} in liability to this contractor. Please help me as soon as you can.

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 2019-09-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
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:
Santander/XXXX Bank XXXX XXXX XXXX XXXX. I closed my checking account and line of credit account in person XX/XX/XXXX at the branch. 
and they are still negatively reporting this account to all credit bureaus. 

I then declared bankruptcy chapter XXXX, XX/XX/XXXX. I was ordered in federal bankruptcy court to pay back 100 % of all my debts through the bankruptcy court for the next XXXX years. Which I did. 
and completed repayment in XX/XX/XXXX. Santander/XXXX XXXX   was named in my bankruptcy and has been paid in full their {$1900.00} through the bankruptcy court. But they are still negatively reporting that I owe them {$1900.00}. Which I do not and their reporting needs completely removed from all my credit reports.

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 2018-12-13
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX  XXXX , XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : 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 2018-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/17 I wrote letters to all 3 credit bureaus to have them remove fraudulent items reporting against my credit report. I requested specific validation records be sent to me within 30 days which is my right by law as a consumer and all 3 companies failed to reply with any information at all. They completely ignored my request as these items have not been removed.

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