BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: Specialized Loan Servicing Holdings LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To : Specialized Loan Servicing LLC/CMC Funding XXXX. XXXX  XXXX XXXX, CO XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at : XX XXXXX Road, XXX XXX, XX XXXXX. 

I have been notified by the XXXXXX County Treasurer that your company failed to pay the following expenses from my escrow account : Property taxes : in the amount of {$1200.00} which was due on XX/XX/XXXX. 

I have been notified by the XXXXX County Treasurer that there are now late charges in the amount of {$24.00} and total accrued interest of {$17.00} XXXX as of XX/XX/XXXX ) for a new total due of {$1200.00} by XX/XX/XXXX. I fully expect Specialized Loan Servicing LLC to pay this added expense on our behalf. 
Please remit payment to : XXXX County Treasurer PO Box XXX XXXXXX XXXX, XX XXXXX A property tax lien is pending on our property and will go into effect as of XX/XX/XXXX if you do not, once again, remit payment on time. Please properly disperse the funds that we have already paid to you from our escrow account to the XXXXXX County Treasurer. 

We have called multiple times in an effort to get you to pay our taxes from our escrow account before the due date was passed. These calls were placed from XXXX through XXXX in an effort to seek a resolution. Our property and names have been published in the local newspaper as delinquent taxpayers due to your negligence and breach of fiduciary duty. This error needs to be addressed well before the deadline of ten 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 2023-06-23
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2018-08-08
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never opened this account. I don't know what it is. It appears to be a charge card. If it is it was opened fraudulently in my name. If they have my social security number I do not know how they got it. They are listed on my credit report in two different accounts with the same balance. It seems very odd. It says it is an online marketing company and that I owe {$710.00}. It says it was opened in XX/XX/2015. I've never purchased or received merchandise from this company. This must be a fraudulent account. I would like the company to either prove it was me that opened this charge account or please have it removed from my credit report. As it is negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have tried on several occasions to move funds from my XXXX vault and XXXX vault to my wallet in order to sell the crypto-curriencies and remove my funds from XXXX. The most recent attempt was on Wednesday, XX/XX/XXXX. I have tried from several different devices over the past forty-five ( 45 ) days in hopes that it would successfully transfer, to no avail. I have contacted customer support twice XXXX XX/XX/XXXX and XX/XX/XXXX ). They were unable to provide the help I needed, and stopped communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Well in a nutshell the problem started in XXXX when Amex lowered my credit limit from XXXX $ to XXXX . My account was paid in full and never had a missed a payment. I've been a member since 2017 and have a fico score over XXXX. Their reasoning for the XXXX THOUSAND dollar reduction in my limit was because of a soft inquiry from XXXX..initiated by them not me. 
I find this to be fraudulent and having to do more with covid-19 and a possible credit rush than me and my situation. If anything my credit is better now than in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Reporting company used your report improperly

Complaint:
Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 
15 usc 1681b ( 2 ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( 4 ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2020-07-22
Company: GreenSky, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called GreenSky and was told my payoff amount was XXXX on XX/XX/XXXX and it would take 24-48hrs for me to receive a payoff letter. When I received the payoff letter they added on an additional late fee and finance charge when I was told that I would have no payments or interest for the 1st 90 days when I called back to try to get this corrected on XX/XX/XXXX I was told I would get a corrected payoff letter and again was quoted XXXX. When I did not receive the letter I called again today XX/XX/XXXX and was advised that the finance charge and late payment they applied the day after was correct and that they would not remove the extra {$150.00} that they added on to my bill the day after they quoted me {$5200.00}. They have refused to work with me and are charging me extra fees every time I call in. They are now saying I owe XXXX. I dont know how to get this resolved without paying them more money. I wish I never took the loan from them and just want to be done with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a 12 month CD with BMO Harris Bank on XX/XX/XXXX. The next day I saw the {$1000.00} leave my XXXX XXXX  account. I called BMO to request the following : 1. Verify how long it takes an ACH transfer to post. Three different reps gave different answers with the longest time being 30 days. 
2. I asked how long the grace period was to add additional funds. The first rep didn't know and one other rep said 30 days. If it takes 30 days to ensure my original transfer safely posted to my acct, why would I send additional funds before confirming this? 
3. I asked to add my son as a beneficiary. The first rep said I was out of footprint. The manager I spoke with last told me they needed to send a form that I had to notarize and send back. But I decided I didn't want to proceed further with the acct after the experience I had with the bank. I was on with the first rep for over a half hour and she was difficult to work with. She dumped me into the sales queue. When the rep picked up, I told him what was going on and he was already gone, disconnected the call. 
4. I called a second time and spent 20 minutes with a rep who seemed to have difficulty connecting me to a manager when I requested to speak with one.

5. I called a third time and after 15 min, finally got a manager on the line. He had trouble answering questions and kept calling over to sales. Then when he came back he said he couldn't authenticate me and I would need to send in a notarized letter and copy of my license. The issue here was the account had not funded yet ( thus, the original call ) and I couldn't verify a transfer posting. 
Before I knew how poorly this would go, I initiated the {$1000.00} ACH transfer on XX/XX/XXXX. I want this transaction closed and funds issued back to me.

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 2019-09-15
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am from XXXX XXXX. In 2017 we were impacted by Hurricane Mara. After the Hurricane passed through the island everything was devastated. I lost my job, my house and everything that I have 'd. I didn't stopped making my auto loan payments with Banco Popular of Puerto Rico. After that I had to start making XXXX because I was unemployed and that was the only way I could provide food to my family. During a XXXX trip I was involved in a car accident where my car was declared total loss. I called the bank and told them about my situation and they told me that there was nothing that they could do. I had to stop making the payments of my loans ( because of income loss ). I was and still without a car and a job. I am struggling really hard. The insurance company payed them for the total loss. The bank closed the account, send it to a debt collector but when the check from the insurance company was payed they grabbed the account again ( but leaving it closed and with the late payments ). They are calling me and threatening saying that I still owe them {$1200.00} in charges and fees owed to them. I am still unemployed without a car. Moved with my grandmother and I am in a very deep XXXX ; I am seeing XXXX and XXXX. I am writing to see what can be done in this situation. In my credit reports it says that I owe them {$310.00} and they are telling me I owe {$1200.00}. I will be posting a copy of the report of that account, also you are authorized to check my IRS non filling for XXXX.Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE ALREADY SUBMITTED THE FTC FRAUD REPORT TO ALLY AND THEY SOLD THE DEBT TO A DEBT COLLECTOR WHICH IS ILLEGAL

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 2020-12-05
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XX/XX/2020 at XXXX UTC an unauthorized transaction occurred using a Cash App account that I have. I reached out to customer service and indicated that this was unauthorized, and they simply told me that it isn't their problem, that I have to take it up with the recipient of my money. I tried calling this phone number in vain, such that it does not receive calls, and my bank sent me the response to the chargeback. It has a terse statement using few modifiers, and abbreviations describing me as CH or cardholder. I did not use my device at that time, and can confirm that I was asleep at that hour, XXXX approximately MST. I am now getting my provisional credit taken back by the bank in spite of providing a written statement indicating that I did not authorize the payment. 
Writing a terse statement that says at a certain IP address, and phone number a transaction came out. of, authorization does not make. To add insult to injury, they closed my account as a result of the chargeback and cited that this was against the terms and conditions I agreed to. I signed no thing stating such, and neither did I sign a sales slip like you put on your dispute response. Liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank is our mortgage holder. They debited an extra almost {$400.00} from my account on XX/XX/XXXX. When I reached out to find our why, they said to contact our County Assessors office because our taxes increased by about {$4000.00} a year. They advised that my new tax evaluation for 2023 is over {$5000.00} a year. After confirming with our County that our taxes only increases by under {$100.00} for the year. ( {$1800.00} per year ) I contacted PNC to request immediate correction. I was advised that I would hear back from PNC escrow analysis team within 3 business days. 4 business days passed and I had not heard from anyone. I reached out via email requesting immediate resolution, I received a voice message that there was a miscommunication regarding the amount of time it would take for me to receive a call back. I sent another email requesting immediate resolution or I would be forced to file a formal complaint. I have not received answers, a timeline, or even an apology. PNC 's escrow analysis team made a huge error, and because of their error, we are short {$400.00} that was intended for other bills. PNC advised us that they sent us notice on XXXX regarding the increase, I advised that I did not receive notice. I understand that mistakes happen but I don't understand the lack of customer service, respect, and integrity to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
State: TX
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 customer service

Complaint:
this is regarding Costco visa card ending in XXXX i have requested the statements of XXXX. You are storing it in cold storage it seems ... more than 2 days ... i haven't received it. 
It's required for the extended warranty. 
When i chatted with the customer service on XXXX XX/XX/XXXX, she doesn't want to help me at all. Instead asked me to call a toll free # Citibank Online Technical Support team ( XXXX ) XXXX ( TTY/TDD : XXXX ) When i called that # - it's Citi 's bank account not credit card. 

Citi is storing statement more than a year old in some cold storage - XXXX XXXX or so. 
IT's a headache to get the old statement.

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: 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: Personal information incorrect

Complaint:
Equifax has XXXX accounts tied to my social security number as a result the 2017 breach. The incorrect account has the wrong birth year but all of the correct addresses. The incorrect account reports all balances {$0.00} when in fact they have balances. This account is what is being pulled by creditors when I have applied recently. The other account has all correct information except all my previous addresses. 
I have been working on this for years. I've sent in my social security card, a copy of my drivers license and they still will not delete the erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Yes i checked my report before trying to open a secure credit card and noticed some accounts that do not belong to me. 1 ) XXXX XXXX of {$900.00} that was opened in XX/XX/XXXX 2 ) XXXX XXXX XXXX of {$300.00} that was opened in XX/XX/XXXX 3 ) XXXX XXXX/ XXXX XXXX. Also I have some inquiries that do not belong to me as well. 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX and 6 ) XXXX/ XXXX XXXX XX/XX/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 2018-08-07
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 status incorrect

Complaint:
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my undergraduate program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.

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 2020-07-22
Company: BARCLAYS BANK DELAWARE
State: MA
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/XXXX, we used our XXXX XXXX XXXX Mastercard ( Barclays Bank ) and paid {$1300.00} for two flights ( XXXX XXXX XXXX XXXX XXXX ) - record locator FNJDEA, for a trip we were to take to XXXX, XXXX in XX/XX/XXXX. 

Due to Covid-19, on XX/XX/XXXX, our resort reservations and our flight reservations were both canceled by our travel company when travel was restricted by the US State Department. We were supposed to be refunded for both our resort costs and our flights. The credit card we used to pay for the resort costs refunded us immediately, while XXXX XXXX XXXX Mastercard did not. I filed a claim with XXXX XXXX XXXXXXXX card/Barclays Bank and a refund was not issued.

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 2018-10-02
Company: Experian Information Solutions Inc.
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 to XXXX XXXX XXXX and all e credit bureaus. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all the credit bureaus a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I'm currently writing this complaint about my account with synchrony bank and XXXX. XXXX XXXX XXXX that i had paid off my account for {$670.00} XX/XX/2020 and then i got a letter on XX/XX/2020 saying that my account is closed due too lack of real estate credit and too many open accounts now i feel that's not fair and wanted to know if there's anything you do too help me fix this issue

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