BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!! I DID NOT AUTHORIZE A MORTGAGE HARD INQUIRY!!!! I RECEIVED THE FOLLOWING EMAIL ON XX/XX/2020 : " Hi XXXX, We just refreshed your mortgage shopping offers for you based on your profile. As a reminder, you have 14 days to shop around after a mortgage hard inquiry without impacting your score! 

Your Shopping Window A lender checked your credit on XX/XX/2020. 

You have until XX/XX/2020 to check rates without hurting your score.1 icon Your Housing Profile XXXX  3.0 Credit Score Range : 660 - 679 ZIP code : XXXX Looking to refinance? 

If you're looking for a new home, we've searched our lender network. This is our top pick from our partners. 



15-year fixed from XXXX  XXXX  by XXXX  XXXX Interest Rate 3.375 % APR 3.455 % NMLS ID # XXXX Get my quote Looking for other options? 

If you're looking for other mortgage offers, check out our marketplace! 

Explore marketplace Wasn't you? 

This mortgage inquiry doesn't look familiar to you? We do our best to identify what financial product you applied for to give you advice and recommendations, but sometimes our algorithms can get it wrong. Please log in and review your credit report to make sure everything is good. 

Transactions you don't recognize may be a sign of fraud. If you didn't apply for a mortgage or other loan, you can file a dispute directly with the bureau. 

Cheers, The XXXX  XXXX  Team I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS 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 explanation
Consumer complaint received 2018-08-04
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I have received a letter claiming that I owe a debt to CAINE & WEINER CO. Since this is in error, I request that you send me the following proof as you are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. 
You have 30 days to provide full verification of this item, This entry have cause me a lot of difficulties to obtain a home mortgages. 

Thank you in advance for your quick responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
CITI bank Costco Visa card wrongfully flagged me to credit reporting agency XXXX with an account that is NOT affiliated with me/my social security number. They ruined my credit score and by extension my life. When contacted, they were not conducive nor respectful. 

I was notified by my own bank that there's abnormal credit activities on my credit report, namely a CITI credit card account -- Costco Visa Card -- that I have no knowledge of ( and it's over credit limit ). After  spending one hour, through XXXX, I found out that it's a CITI bank Costco Visa Card account with the account number and associated billing address, both for which have nothing to do with me. I spent more than another solid hour to call the CITI number affiliated with the card ( XXXX ) XXXX for 5 times and went through a maze of voice prompt without being able to reach any person, which seems to set out to frustrate/deter consumers. Then I spent the next entire THREE hours talking to CITI bank general customer service representatives  at XXXX for 11 times and put on hold for numerous times and got disconnected numerous times. The basic fact is that CITI bank credit card unit admitted that they couldn't find any affiliation between my social security number and that account fraudulently linked to me yet they posted that account and its abnormal activities my credit report. During the process of my trying to figure out what is going on and who are responsible for this error in order to hold the responsible ones accountable, I was repeatedly disconnected after the CITI representatives put me on long hold under the pretense that I'll be connected to supervisor or someone who has authority to right this wrong. After each repetition of descriptions, I was put on hold for over 20 mins then randomly got disconnected. This process repeated no less than 11 times in total. 

And how can a financial institution producing many financial products/credit cards treat consumers with such detrimental negligence and utter irresponsible disrespect!? CITI bank must be held accountable and so are the specific individuals involved in this matter!

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 2018-08-30
Company: Experian Information Solutions Inc.
State: NC
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 contacted Experian several times about an unauthorized XXXX credit card hard inquiry made without my permission on XX/XX/2018, i have told chase i did not make that inquiry, today XXXX has also confirmed that i did not make that inquiry and has asked Experian to remove it from my credit file. I have submitted a PDF file provided to me from XXXX supporting what i said before.

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 2018-08-30
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by Discover stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' Below also will be attached with the denial letter is a current copy of XXXX XXXX XXXX 's credit report that was reviewed on XX/XX/2018. This decision is incorrect and XXXX XXXX XXXX wishes to have a thorough investigation as to why he is being denied for a credit limit increase on reasons that do not accurately reflect his credit report. This information was forwarded and reviewed by XXXX XXXX in Discover 's executive office. He has failed to thoroughly examine and have this information reviewed and re-considered. There has never been past or present debt on XXXX XXXXXXXX XXXX  credit report belonging to him as you can witness and view in a copy of his most recent credit report by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX ( Seller ) breached the contract by fraud and/or negligence by providing false and/or misleading information on the sofa that the three pieces are linked together in order to induce the sale on XX/XX/XXXX. 

After I received the sofa, I found out that the three parts were not linked as promised in the email of XX/XX/XXXX. Seller refused to complete the repair as promised by sending me the links to link the sections. After failing to hear from the seller, I disputed the charge with my credit card company on the payment. I asked them to either repair the sofa or pick it up. 

However, Seller continues to enforce the sale by placing me on collection and a recording on my credit file. 
Here are the facts and the supporting documents : I ordered a sofa from XXXX in XXXX, XXXX. In the email from XXXX date XX/XX/XXXX, in response to my question whether the sofa sections were linked, XXXX stated that Each piece does have an anchor to attach it to the other pieces as well. ( See Page 1 email dated XX/XX/XXXX ) On XX/XX/XXXX, after I complained that the sofa sections were not linked, XXXX apologized in her letter dated XX/XX/XXXX that the company sent me the wrong sofa. ( see Email page 2 dated XX/XX/XXXX ) XXXX promised to send me the links to link the sections together on XX/XX/XXXX. ( see page 3 email on XX/XX/XXXX ) However, I did not hear from her for a month. On XX/XX/XXXX, I told her that I placed a dispute on my credit card company as it was Not the sofa I ordered. I asked them to send me the links or pick the sofa up. ( See page 4 of email on XX/XX/XXXX ). 
Instead of trying to help me resolve the problem, I received a collection notice and Seller threated to sue me in XXXX email. 
After I stated my reason, I was offered a five-year warranty and a medic to fix the sofa in email from XXXX dated XX/XX/XXXX on Email page 5. 
This debt collection is INVALID.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a small business XXXX loan from the XXXX for XXXX on XX/XX/XXXX, to help my small business get back on track into my capital one 360 bank account. I attempted to move XXXX, on Tuesday XX/XX/XXXX to my accountants account which is my mother. I received a email that, my account has been restricted for withdrawals and I need to call in and verify information. I called capital one to verify all information needed, I verified all information and questions asked, Then I was informed that my account was turned over to a investigator that I needed to provide my business EIN number and I provided that information. I have been a account holder with capital one since XXXX and have never had a problem. My account is still restricted for withdrawals which means, I can't access my account at all I have no funds or can access any of my funds and all of my funds are in that capital one account. I have a capital one 360 not a saving account there should be no restrictions on my account. I am very disappointed in capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Hi, I need to add documentation to complaint # XXXX. 

Please help me with this issue. Today XX/XX/2020 I received a letter from Nissan Motor Acceptance Company ( See attached file named NMAC_Letter_091020 ). This letter states that they are unable to locate my account information, and that without more information they would be unable to make any changes to my account. I have attached a letter which I have sent multiple times to NMAC which includes my account information, as well as the VIN number of my vehicle. This is a direct example of harassment by NMAC and I need help to resolve this issue. All I am asking them to do is repair the mistake they made by falsely reporting my account as delinquent to the credit reporting agencies. I am struggling to find housing due to the delinquency on my account and I NEED HELP.

Attached is the letter form Nissan, a copy of the letter I have sent to Nissan multiple times, and proof of delivery via registered mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is, you could say, a further attachment to the complaints cases XXXX and XXXX XXXX -- -Now closed -- -- In my attachments you will see the attorney general of AZ as this was my next step. It is important to read my response to the latest letter dated XXXX XX/XX/21 to the AZ Att. Gen.by the BBVA bank. The CFPB was on a quest to remove some the the restrictions on arbitration that large companies and banks use-in their favor to avoid a court case. You succeeded in implementing class action through congress. My case involves credit card fraud upheld by a bank. Arbitration clause does not state whether it is Binding or Non Binding type-? This is extremely important as they treat the arbitration as binding whereby you can't go into a court as the judge will uphold the decision made by the arbitrator. THIS needs to be stated in all terms and conditions. It is also noted that with arbitration the bank does not have to honor " Disclosure ''. In the last letter I wrote to the BBVA bank, I requested demands be answered -- -They totally ignored that in their response to the Att. Gen. Please read all attachments especially their XX/XX/XXXX response to AG .They made a false statement saying I gave them permission to use my personal account to pay off a fraudulent debit in a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's XXXX  credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS forbearance was put in place from XXXX - XX/XX/XXXX due to XXXX and my two XXXX  shut down. I got XXXX XXXX  and was hospitalized. One of my credit cards was payed off by the debtor because my doctor filled out a form memorializing my hospital stay from XXXX XXXX. XXXX came around and COVID restricitons were still in place and my income was still diminished. I asked SPS to extend the forebearance. They sent me RMA forms to fill out, and requested other documents. XXXX all forms and documents requested were emailed to SPS. In XXXX they requested a XXXX XXXX  XXXX for XXXX - XX/XX/XXXX. During this time, I received XXXX from the CARES Act payable to SPS . SPS shredded the check. SPS rep 's told me they couldn't accept the money because my home is in preforeclosure. XXXX XXXX, my accountant prepared the XXXX XXXX XXXX for the previous XXXX months and that was emailed along with bank statements for the same time period. I called SPS all through XXXX, stating why am I getting preforeclosure letters, I am waiting for three months to go by to send you the requested documents. Sometime in XXXX, SPS filed foreclosure documents. I never got a letter or the foreclosure documents. I had no idea they filed that. Advertisements from law firms alterted me. I ended up hiring a firm. I filled out another XXXX form, sent in more bank statements and another XXXX XXXX XXXX for XXXX - XX/XX/XXXX. During the entire time requesting a loan modification, along with hiring an attorney, SPS is marching forward with a foreclosure and the sale date which is now XX/XX/XXXX. My business is back to grossing XXXX a month. My income from that amount is roughly XXXX a month. My credit is ruined because I couldn't make my monthly usual credit card payments. XX/XX/XXXX, I got another letter from SPS requesting I fill out another XXXX form. SPS has zero interest in me not losing my home. They are intentionally burying me with document requests while the foreclosure department is ontrack to take my home. I just want to start paying my mortgage again. SPS will not accept any money from me. My relationship manager at SPS and it's legal department are not on the same page. One hand does not talk to the other hand. I was never late on my mortgage payment prior to XXXX. SPS informed me if I pay XXXX I can start paying my mortgage again. The XXXX incudes interest and fees from XX/XX/XXXX, which is from when the forebearance began. I didn't make any money from XX/XX/XXXX to XX/XX/XXXX. I was put on medicaide and received food stamps plus got a LHEAP grant of {$500.00} for my elctric. This company is unscrupulous and intentionally deceitful with it's actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Colony Brands, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a email from XXXX XXXX XXXX  prompting me to review my file as there had been a change to my credit file and I discovered after reading through the 5 pages, that the same company who has been continuously harassing me as well as ruining my fico score is the same company .I have attached the 5 pages. This is the company that claimed I ordered a mail order and I did not do such a thing. They also said that they were going to contact collections and they also did that they need to be stopped and I have tried to do so and I would like to ask for your help as they will not stop. I have did what they wanted and that was to send them a affidavit stating I did not make a mail order. That has not stopped them they have continuously reported negative to XXXX, XXXX  XXXX  shows my score as a XXXX and that is correct as I have worked hard to get my score that way so that I could buy a house. They are using 3 different names and it started out as one.They have used different amounts that they state I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I filed a homeowners insurance claim and was issued a claim check for the repairs. It was made payable to my mortgage company fifth third bank and to myself. I called fifth third and was told for faster service to also provide their loss draft dept with my adjusters worksheet and a prepaid next day air envelope for them to return it to me. Which I did. They advised me that the process would take 3-5 business days. They received my check on XX/XX/XXXX at XXXX. They misplaced my check on someones desk for the next 5 days. On Thursday XX/XX/XXXX i called and spoke to a agent who tried to help but said she can not help me as she does not know where my check is and that things are so messed up in their loss draft dept that she was going to quit by the end of the day. She then started to cry and put me on hold. After about 20 min a supervisor ( XXXX XXXX XXXX XXXX ) can on the line and told me that she was sorry my check had not been processed and that she was personally going to get it endorsed and over nighted back to me. She assured me that she would be calling me back by days end with a tracking number to the return check and that they would NOT be using the certified envelope that I had provided them. The day went on with no call from Miss XXXX. I called and left 2 voicemail for her asking where my tracking number was as promised. I have not heard anything back from miss XXXX and the morning of XX/XX/XXXX I called the loss draft dept again. After 45 min on hold I explained the whole story to the agent who then transferred me to Miss XXXX   associate " XXXX ''. She told me that XXXX had tasked her with sending my check out and getting me a tracking number and that she had forgotten and was doing it as we speak and that she had also missed the cut off time for XXXX pick up for XX/XX/XXXX. She gave me a tracking number and said she paid {$65.00} to have it overnight XXXX to me for a Sat delivery. That was on XX/XX/XXXX. Sense XX/XX/XXXX the overnight tracking number has not moved. XXXX has not received the package to scan it in. My check has not been endorsed, is still lost or sitting on someones desk. On XX/XX/XXXX i called Miss XXXX phone and finally she actually answered. I explained the ongoing issue with her and she said there was nothing more she could do to help me. She did not know where my claim check was and that I could take this up with her supervisors if I wish. Fifth Third loss draft dept has had my claim check now for 11 days and they refuse to endorse and send it back to me. I have been living in a house with no kitchen or floor for 1 month now and need to pay contractors to repair my damage. Can you please help ASAP?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 our mortgage was transferred to XXXX XXXX to PHH Mortgage who merged with XXXX PHH informed us. For some reason PHH mortgage is charging my wife and I an additional {$150.00} each month for " hazard escrow '' and " other taxes. '' PHH mortgage told us that they provided their own insurance company for flood insurance for us without our consent. We have our own flood insurance we've been paying for on the building. Our building has insurance, as well as flood, we don't need insurance provided for us. I have provided supporting documents to the mortgage company several times. They told us an escrow analysis was completed and there is no additional flood insurance being billed to us by PHH mortgage. Today as of XX/XX/2019, we just paid this not needed flood insurance. We have overpaid for this 2 months in a row. Today at XXXX, I spoke to XXXX ( badge ID # XXXX ) from PHH mortgage. XXXX was not cooperative. XXXX said that we are not being billed for this, yet I still show I am being billed for it. I have all the evidence, and will submit the documents showing this. XXXX tried to tell me since we were a little behind in our mortgage, the account will NOT be brought up to the correct status until we pay the past amount payments including late charges. I was told 3 weeks ago that as long we continue to make our current monthly payments, the home is not in jeopardy of any kind of foreclosure. I also informed them that we will take care of this asap. I feel like they are trying to extort us. This is illegal practice. We didn't ask, or need flood insurance and need this removed immediately and need a check sent to us via XXXX for {$310.00}. This is the exact amount we overpaid. 
Warm Regards, XXXX XXXX

Company response to consumer: Closed with explanation