BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a safety deposit box in XX/XX/XXXX with US Bank, formerly XXXX XXXX XXXX in XXXX XXXX Illinois. I was regularly depositing cash, bonds, cashier checks, wills, deeds, car titles, and other things. In between the end of XX/XX/XXXX, and XX/XX/XXXX, ( this is an approximate date ), I was in the bank and went to check on my safety deposit boxes, ( I had two filled with cash and the other items I previously described ), and they were still full. They were so heavy that the employees at the bank would comment on how heavy my safety deposit boxes were becoming. When I went back on XX/XX/XXXX, the boxes still had the bonds, deeds, and cashier checks but all of the money had been stolen. I went to the police station, made a report and after some time they assigned a detective to the case. The detective then began investigating the case, in my opinion he did not work hard enough because the bank did not give him the information that he was requesting and was making it difficult for him to get the things that he needed to find out who stole my money, and he did not work hard enough to force them. I don't think he ever got the surveillance tapes, he only showed pictures of me going in and out of my safety deposit box on random days. The bank told him that the tapes were kept out of town and they could not give them to him. I think that is unacceptable. Please help me. That was my retirement. I have learned that it is not wise to put money in a safety deposit box but I still feel that the bank should not have let anyone in my safety deposit box. It is not as if the bank was robbed and the thieves robbed my box, someone was allowed to come into my boxes, both of them. They didn't do this randomly, someone knew what I had in my box and knew to take money out of my box. I tried going through a lawyer, the police, the comptroller of Illinois, and no one was able to help me. Please help. In total I am missing more than {$50000.00}. I used to deposit my tax returns, the cashier checks and cash from rent that I received. I am uploading some copies of checks and I have many more to show how I made my money. If you look at the tapes you will see that I would often cash a check with a teller and go straight to the safety deposit box.

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 2017-11-18
Company: LTD Financial Services, L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
LTD financial calls every day, repeatedly. We had ignored the calls because they are masking their number from caller ID. Today I picked up and they wanted to talk to a person who does not live here, and has never, ever lived here. I advised them that this is not that person 's number, and never has been. The represetative was very rude, and over talked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I'm a single Mom, my daughter has an autoimmune XXXX covered by the Americans with Disabilities Act, I am sole caretaker to my XXXX year old XXXX Vet father with XXXX  XXXX XXXX and I'm about to lose my car because the lease is up and i was denied for financing because of Citibank 's inappropriate and inaccurate credit reporting. I am also recovering from being very ill with XXXX. 

Due to XXXX, I lost 50 % of my salary in XX/XX/2020. I was not making enough to even pay my mortgage- never mind food, utilities, etc. I called XXXX XXXX and they deferred my mortgage for 3 months. XXXX XXXX  XXXX XXXX deferred my loan with them for 3 months. XXXX XXXX deferred my car lease for 3 months. On XX/XX/2020 I called Citibank and asked to defer my loan for 3 months. They noted my account of my request and told me someone would contact me. I received no contact. Instead, I received a late notice. I called Citibank again. The woman I spoke with told me my XXXX and XXXX payments were late. She alleged Citi tried to reach me. I have NO messages, voicemails, etc. She told me it was a robo-call and robo-calls don't leave messages. But, she said she could defer my payments for XXXX and XXXX making my next payment due in XX/XX/2020. She also advised I could request late fees be waived when I made my payment in XXXX. 

Before I could make a payment in XX/XX/2020, I received a notice from a collection agency! Citibank sent my account to collections. This has destroyed my credit. I can not get a loan from my credit union or car financing. Prior to this, my account was in GOOD standing - all of my accounts were and my credit report was excellent. 

Citi has continually refused to help me telling me there is nothing they can do. I broke my IRA so I can pay my loan in full ( {$5700.00} ) today! But they will not help me. All I'm looking for is to pay my loan and for Citi to remove the negative reporting from my credit report. Citibank CAN Help me but they just do not care. This is a pandemic! There must be protection for me, I just need help. Please.

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 2018-05-16
Company: Pacific Union Financial, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a notice regarding refi on previous V A loan that I had with XXXX XXXX company and refinanced with XXXX XXXX XXXX now i'm finding out that I can't refinance this loan anymore? Don't understand why I never heard of this until I researched can someone look into this for me my current loan XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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: Personal information incorrect

Complaint:
on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these NAMES are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, XXXX  AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I initiated a dispute with XXXX  on XX/XX/XXXX into the inaccurate reporting of debts with XXXX XXXX. I do not owe these debts and have provided adequate proof. Yet XXXX  is still reporting. 

XXXX XXXX is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/XXXX with email from leasing staff XXXX XXXX. I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/XXXX and refused to lease to me. They were supposed to credit back application fee for preferred employer. XXXX XXXX is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.

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 2021-02-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
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:
I contacted XXXX XXXX XXXX on XX/XX/2020 because they had reported fraud to my XXXX XXXX report. They informed me I owed them no money so I asked why wear I reported for fraud? They hung up in my face. I repeated them to the CFPB on XX/XX/2020. A rep from XXXX ( XXXX XXXX ) emailed me on XX/XX/2020 and said to get in contact with her. I tried with no avail! Left voicemails until her mailbox was full only to be emailed that my investigation was closed even though no one contacted 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 2018-03-17
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 information incorrect

Complaint:
XXXX is reporting this account from XXXX on my credit report from XXXX Ive disputed this account several times and still in the process. Ill attach this information from the credit bureaus it says its paid plus it has a different amount. I asked this company to send me the proper verification, documents my signature proving this is my account. Section 609 of the FCRA requires this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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: Personal information incorrect

Complaint:
on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these NAMES are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2018-05-16
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 16 hard inquiries when I only had three cedit cards non eof these were approved by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Reverse Mortgage Solutions, Inc.
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Reverse Mortgage Solutions ( RMS ), XXXX TX/XXXX   NC Re : Hail damaged roof ( Colorado ) My reverse mortgage is handled by RMS. My homeowners insurance paid immediately for the replacement of my hail damaged roof. However, RMS cashed and withheld the insurance funds for 2 1/2 months and required a boatload of documentation, making it impossible for me to pay my roofers upon completion for the roof replacement, which was completed promptly in XX/XX/XXXX. I didn't receive final reimbursement for my insurance payout monies from RMS until XX/XX/XXXX, at which time RMS deducted {$170.00} from my insurance payout to cover their own inspection charge. My roof had already been inspected and approved by the City, but RMS would not release my already paid insurance funds until they double dipped me {$170.00} for their own inspection. 

When looking online, I was horrified to find many senior citizens have been delayed or denied reimbursement from RMS for their homeowner damages. I don't understand how this can be legal for a reverse mortgage company to cash and withhold legitimate insurance company payouts on senior citizens ' homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to Experian on XX/XX/XXXX. In the letter, I asked them to investigate errors on my credit report. They were supposed to send me the results of my investigations within 30 days, but I never received anything from them. I can only assume their response was lost in the mail.

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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

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 2017-11-22
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with XXXX XXXX XXXX, specifically the mortgage loan originator XXXX XXXX. They ran my credit, took my personal information yet refuse to provide me with a loan estimate. This process began on XXXX XXXX, 2017 and today is XXXX XXXX,2017. He presented me with a prequal that just listed the rate. I found a home that would be built so I updated him with the exact mortgage amount needed, terms, taxes, etc. and he has refused to send me any term sheet, loan estimate etc. I asked why my credit was ran if nothing was going to be provided and he switched his words from saying I applied ( which is why my credit was ran ) to that I only partially applied. How do you partially apply to anything? In my opinion You dont partially apply to anything if your credit is ran, you say specific loan terms, down payments etc. Three other companies have had absolutely no problem submitting me this information, as is required by XXXX within 3 business days, but he for some reason refuses and insists on calling me multiple times a day when Ive asked him to stop and only contact me through email. I want nothing to do with this shady company and feel my credit shouldnt have been pulled based upon false pretenses and receiving literally nothing in return. Why would anything apply for anything to receive zero information? Disgusting way to do business. Upset my credit score will drop based on these misleading business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This actually is n't a " me '' problem. There are reports of consumers getting scammed based on the terms of service of a mobile payments provider. A background on the problem is best expressed through this article : XXXX XXXX XXXX What I perceive as going on here is a violation of Reg E, which I think applies to these type of transactions. Instead of adhering to the standards of Reg E, Venmo is deliberately casting its terms of service in a way that puts the consumer at risk of unlimited fraud liability for electronic transactions that have an opaque clearing mechanism. 

There is a clear oversight on this issue, because much as Venmo should adhere to BSA/AML laws, it should also of the Electronic Funds Transfer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21, I started exchanging messages with a person on a dating app. This person messaged me day and night, sharing intimate details and eventually gaining my trust. He would talk about his goals, his family, what he had for dinner, etc. It started off as normal conversation for several days, but then he started to mention investing in cryptocurrency and had me switch the conversation to XXXX. He shared with me screenshots of his own cryptocurrency trading, including the amount he would profit. Every doubt or question I had had a seemingly logical answer for it. 

This person eventually convinced me to start a Coinbase account, which I downloaded from the XXXX XXXX. He then sent me an app where he does futures trading, however this was not on the XXXX XXXX. This app was call XXXX. He convinced me to sell my stocks and then pressured me into making a wire transfer to purchase XXXX on XXXX. He said that the market moves too fast for a traditional ACH transfer to be profitable, thus wire is preferred. Once this was accomplished, he then pressured me into sending the XXXX to a separate digital wallet in the XXXX app. I made several wire transfers between XX/XX/21 and XX/XX/21 from my XXXX account to Coinbases bank, XXXX XXXX XXXX, totally {$33000.00}. The wire transactions were- {$6000.00} on XX/XX/21, {$3000.00} on XX/XX/21, {$3000.00} on XX/XX/21, {$5000.00} on XX/XX/21, and {$16000.00} on XX/XX/21. Coinbase gave me no warning that the digital wallet I was transferring to was part of a fraudulent company. This person would take me to trade by buying futures in the XXXX app, where you would choose an amount of the cryptocurrency price and a time limit on the amount. These futures tradings were always profitable. I eventually amounted XXXX XXXX in my XXXX  account. I had some suspicion about the app, however it allowed me to transfer {$100.00} worth of XXXX back to Coinbase on XX/XX/21, thus my suspicions went away. On XX/XX/21, he said I could finally withdraw all of my money from XXXX. Upon requesting withdrawal, I was met with a message stating I must pay an additional 20 % tax that can not be deducted from what is already in my account. I was never able to withdraw any money. 

I wrote to Coinbase on XX/XX/21 to dispute these transactions, but I only received an automated email and my account was frozen. They never provided me with updates regarding this case.

Company response to consumer: Closed with explanation