BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Escrow Mismanagement. As Planet Home Lending customer ( Loan # XXXX ), I have been paying all monthly payments on time but so far Planet Home Lending has not been transparent of all the taxes and other residential fees payment from Escrow. Recently there is a 10 % penalty applied from School District Real Estate tax due to payment has not yet been made. All bills copies have been scanned & emailed soon as I received it in the mail but the payment was not made on time. It is frustrated that the law doesn't allow homeowner ( borrower ) to take care of their own tax bills but then the lender provide poor services like this. Now the property will soon be in lien status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my 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 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One XXXX Neiman Marcus  XXXX closed my account. They said my account was overdue. The bill was sent to my previous address, I informed them of my move a year prior. The company never notified me of my delinquent account. I tried to make a purchase on-line and it would not go through. I called and they claimed their system wasn't working. I called several times and no one seems to know why my on-line purchase wouldn't process. I then ask to speak to a supervisor and she found out the account was delinquent. The process took several weeks. After I paid the bill in full Capital canceled my charge card and marked my credit report with delinquency and would not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied to a rental company on XX/XX/XXXX named PMI XXXX. I was denied the rental because via my tenant screening report my DOB and SSN did not match according to my Equifax report. I checked and pulled my full report upon receiving my copy from the company and indeed my DOB is wrong. I need my personal information updated, I have placed a freeze on my credit report via Equifax and need to report fraud on the individual whom birthdate is presented as mine on my Equifax personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 and 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-11-16
Company: Bread Financial Holdings, Inc.
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, I returned from overseas, to find my Comenity Capital Bank Mastercard was missing. I immediately checked my account online to find that charges totaling {$640.00} had been made, primarily to an XXXX online store for {$380.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. I advised Comenity that I was reporting fraud, the card was cancelled and a new one issued. My notification to them was on XX/XX/XXXX and yet my statement reflects an XXXX charge on XX/XX/XXXX. When I called Comenity on XX/XX/XXXX, I was told that I did not need to call XXXX as they would do it as part of the investigation. I received a letter from them on XX/XX/XXXX stating that my fraud claim is denied as they can find no basis to support my claim. That was the extent of their explanation, except to add that the more than {$600.00} in charges would be put back on my account. I called XXXX after receiving the letter. There were 3 credit card numbers issued to me before and after this fraud occurred. XXXX looked under all three credit card numbers, under my email address, and could find no order number, no tracking number and my email was not in their system. I had looked through all my emails-no record there. XXXX told me that the credit card company should be able to track the charges made, but I received no explanation that they had done so. I appears that there was no investigation. XXXX had no record of speaking to Comenity. Comenity never called me to follow up, other than the form letter they sent. I called the  number they gave me if I have any questions regarding the investigation, and after waiting on hold for 15 minutes, I began to discuss this with the representative that answered, and the phone connection was cut. I have laid all of this out in a letter to the company, sent to the address they directed in their letter. I also advised them that I was contacting you as this seems to me to be suspect. What kind of company sends a form letter that tells the victim of fraud no details of what they base a decision like this on. Either I was defrauded or I am committing fraud. Without anything to justify their position that I owe this money, I have appealed their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me 3-5 times per day using a list of unknown numbers instead of a clearly specied number that identifies it as the actual caller. 
I have a debt that I'm paying directly to XXXX XXXX, and they continue to call.

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 2021-09-10
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal permanently limited my account on XX/XX/2021 ( Reference ID : XXXX ) which prevents me from withdrawing funds on my PayPal account. This was done according to PayPal, as a result of a presumed unauthorized activity on my account. And as a result, limited my account. 
PayPal decided to hold my funds on the account which INCLUDES a Crypto coin ( Ethereum ) balance of over {$1800.00} I made an initial complaint through CFPB portal and PayPal responded on XX/XX/2021. 
Paypal explicitly stated on their response - Pursuant to the aforementioned section of the User Agreement, PayPal may hold account balance for up to 180 daysWe will make any remaining funds available to you for withdrawal on or before XX/XX/2021 Its now 19 days since specified date in which funds were to be made available, and despite engaging with numerous customer PayPal representatives, I have still not been giving access to my Crypto funds for withdrawal. They currently have no date in which they plan to release the funds. 

This situation continues to cause me financial distress especially in the current economic climate caused primarily by Covid-19 pandemic. 

My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Upon closing on my property at XXXX XXXX XXXX, XXXX XXXX MI XXXX, I was issued a check for {$4400.00} to be paid to XXXX XXXX. This check was never cashed by XXXX and first American says the check cleared. XXXX never cashed this check and I need the money to be returned to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: 1st Franklin Financial Corporation
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: Old information reappears or never goes away

Complaint:
Account open in XXXX Went to collections paid it off in full To my understanding it was supposed to come off my report. Never did. tried to get a letter of goodwill. They wont work with me even though I paid it off in full. Theyre reporting it as if the account was opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: MoneyLion Inc.
State: CA
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:
Money lion is reporting a late on XX/XX/20, XX/XX/20. Due to the unforeseen events surrounding the pandemic that is Covid 19 I have been severely financially impacted. I live in California and it has been a mess. I've really been struggling to stay afloat while my employer continues to suffer because of this pandemic and therefore affecting my work hours. I have done my best to stay current and not fall behind. However, this was inevitable the entire state of California shut down. I ask that you please remove the lates from my credit file. Under the federal mandate and CARE act creditors aren't allowed to file negative notations on credit and I can see why. The hardship of going through a pandemic alone is immense, and creditors should not be adding onto the stress. I ask you remove these lates from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A credit card was opened in my name from Best Buy when I was XXXX years old. It has been negatively affecting my credit for years and shows I owe thousands of dollars. I recently checked my credit and was appalled Best Buy has been charging me for years without any notice to me or my guardians.

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 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I responded to a XXXX ad for tickets to a XXXX XXXX/XXXX Game. I called the telephone number listed in the ad : XXXX-XXXX-XXXX. The seller identified himself as XXXX XXXX, a resident of XXXX XXXX, NV. The seller claimed he had tickets to sell, and I agreed to purchase them. The seller directed me to send a payment through XXXX, which was a money transfer service backed & promoted by my financial institution - Bank of America. 

I sent the funds, and the seller disconnected the call and did not send any tickets. The seller " stole '' {$400.00}. 

I contacted Bank of America immediately after this happened and was told they were unable to help until the transaction posted. 

The following day, XX/XX/2019, the transaction posted and I called Bank of America again to report fraud/file a claim. Bank of America indicated that while they could see the recipient was a XXXX XXXX account holder, and that XXXX XXXX  knew the individual 's identity, and that there was a digital footprint for the transaction - there was no way to reverse or cancel the transaction, and that funds would only be returned to me if the recipient ( a fraudulent scammer ) agreed to return the funds. 

The seller claims he is " XXXX XXXX '', and has a XXXX account linked to a XXXX  XXXX account using phone number ( XXXX ) XXXX-XXXX. His identity is known by XXXX and XXXX XXXX. I have documentation proving he stole {$400.00} through a XXXX scam. 

It is unacceptable that given this information, and the known identities of both parties ( myself, the victim, and the account holder at XXXX XXXX - a person who committed a crime & stole money ), that a fraud claim & refund can not be processed. 

Bank of America, XXXX XXXX  and XXXX are therefore complicit in facilitating criminal activity, and are not protecting the consumer. 

XXXX is a high risk, zero protection wire transfer service that Bank of America promotes, but does not back. The risks associated with this service are NOT boldly highlighted - on the contrary - it's advertised to the consumer as a simple, easy way to send money. This is extremely misleading to consumers, and must be stopped.

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 2021-03-05
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called XX/XX/21 to get an update regarding my dispute for the XXXX XXXX concert in XXXX, FL that was cancelled and postponed due to COVID. After providing supporting documents on four occasions, I thought the matter was resolved. Unfortunately, the rep stated an email was sent requesting the invoice, name and location of the event along with something that shows the show was canceled/postponed. I did not receive any additional request and am being made aware of this today. I am hoping these final documents can resolve this year long catastrophe. I am now being penalize for navy federal mistake. Instead on issuing a temp credit while they figure out whats going on with their system they take the little bit of help I received on the day it was deposited into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: MN
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. I been receiving death threats, threats of been sent to jail or prison, harassing, profane and abusive telephone calls from XXXX in regards to a debt of {$560.00}. The XXXX credit card account is a fraudulent account and not my account. The debt is not my debt. I did not apply for a XXXX XXXX credit card account. The account is a fraudulent account and is not my account or debt.

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 2019-04-16
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 and 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: CHECK INTO CASH INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Please see complaint XXXX from XX/XX/XXXX is not resolved. I respectfully asked for a letter to be mailed that indicates that the loan was deemed to be fraud and not opened by us. While the company said they sent something to XXXX, respectfully this is n't enough. Respectfully the response indicated that they took steps to validate information. Respectfully, I would say their measures are lacking. Other Companies contacted us within that same 48 hour period to verify information and those loans were not funded. I have the names on our caller id, so respectfully, if you want to call me, I can provide their names and perhaps you can reach out to them or their vendor to respectfully enhance your processes. In closing, we simply want a letter that states that the loan was investigated and deemed fraudulent. This way if the loan surfaces somehow during our home purchase or accidently gets sold to a 3rd party for collection, we can use it to support our claim. The prior response is simply insufficient, incomplete, and self serving.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: The J. G. Wentworth Company
State: ME
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:
beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was contacted by a Navient agent around XX/XX/XXXX inquiring if I was interested in lowering my monthly payments of {$420.00}. During the call, she requested some information, mostly none PII, with the exception of my current salary. Because I was contacted by them and as a precaution, I refused to provide my yearly salary. The agent then advised me that there were other options not requiring salary information and started processing the request to lower the amount. She offered 2, 3, and 4 year plans, with the last one lowering the monthly payment to approx. {$240.00}. I asked to be included in that plan with the understanding that it would go up at the end of the 4 years. The agent even added that before the expiration of the new loan, I would be able to resubmit a new request and restructure my loan all over again. 
Due to what the agent described as some processing issues, she said that she will just submit the request and that I would be getting a letter in a few days with a confirmation that the payments have been changed. On XX/XX/XXXX I received the letter and the amount of my monthly payment was increased to XXXX. Instead of lowering the amount, it actually increased it by {$3.00}. I immediately contacted Navient and they advised me that I did not qualify for the loan that I was offered ( Graduated loan ). Also, and due to my yearly salary of $ XXXX I do not qualify for any other plans. Why this did not come up in the original discussion baffles me. Navient says that this change was going to happen regardless of my request for lowering my monthly payment, but that seems to much of a coincidence. This is bait and switch. They call me and offer me an option to lower my payments and then end up increasing them. The increase is negligible, but how many other people with a different income are they doing this too.

Company response to consumer: Closed with explanation