BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX I was on my way out of town for vacation and I went to use my chime card and it wouldnt go thru luckily I had a little cash. So when I stopped for food for my daughter it still didnt work so I went to my chime app and I was signed out. So I called chimes customer service number and inquired why I couldnt log in to my account and when I couldnt use my card they said I needed to send in my iD and mail with my address on it. I couldnt understand.Ive had this account for several years. So I sent in the information and I was told it would be resolved in 24-48 hours. Ive been calling every day asking about my money and nobody will help me not even the supervisors and they say theres no one above them no corporate number I cant talk to the support people and they still have my money. Its in my savings account part of chime.so I contacted the XXXX bank and they said they dont have anything to do with chime. I also called XXXX XXXX and they said the same. All my bills are due. Its like Im starting over from scratch waiting to get paid so I can pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent in several letters of dispute for items on my credit report that are inaccurate. XXXX and Equifax are both showing several accounts showing open by Dept of Education and XXXX for the same accounts. They also have some of these same accounts showing closed. It 's all a big mess and I am not getting any help in getting them corrected. The accounts show the same date and account number with two different loan comapnies. I have requested many times to have the loans validated and the balance and payment history to show correctly. They only respond back to me that the information was verified. I have requested proof of each loan and the balance. I have sent letters to XXXX and the Dept of Education. I even sent letters to the XXXX. These duplicate accounts and incorrect balances are causing harm to my credit worthiness to potential credit providers. At this point I feel that I have no other choice than to consider taking legal actions against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, Bank of America made changes to the fees policies on Regular Savings accounts. I recently noticed that I have been charged monthly maintenance fee ( {$5.00} ) since they made those changes. I called a representative on XX/XX/XXXX to inquire about when they sent out these changes and a representative informed me that they would not have. The only way I would have been able to know about the fees was by looking at my monthly statements. Prior to the changes, I qualified for the waiver of such fees as I made the minimum monthly transfer ( {$25.00} ) from my checking account to savings. So to go from the fees being waived to not having any notices sent out to customers about the changes, I very annoyed. When I opened my checking and saving, I opened the two accounts linked together and inquired about how I could avoid these maintenance fees and I have made sure to maintain those features that would avoid paying them. Over two years - since XX/XX/XXXX - I have been charged these fees and did not receive any notice to inform me of the modifications they made to their structure. That is a total of {$130.00} in monthly fees that have been applied to my account. 

I spoke to another representative also on XX/XX/XXXX about my savings account, which when I opened was linked to my checking account. According to the new Regular Savings fee policy, one way to avoid the monthly fees was by having the Regular Savings linked to a Bank of America Interest Checking account, which I did have. But the other representative informed me that my savings account was not linked to my checking, which was not the case when I opened it. I initially did not want to open a savings account with Bank of America as I had concerns about these fees ; however, a financial professional informed me that there are ways to avoid them in addition to linking the account to my checking. After being informed of the policies and how I could open the savings account LINKED TOGETHER with my checking, I obliged. Come to find out from the representative I spoke with that my saving account was never linked to my checking account. I specifically opened both my savings and checking together and had the save-as-you-go feature, which takes change from my checking to savings for each debit transaction. I am not exactly sure what other changes were made to my accounts that separated them or not have then associated.

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 2023-04-10
Company: Ocwen Financial Corporation
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:
RE : Account # : XXXX Dear PHH MORTGAGE SERVICES, I am writing to you to express my sincere apologies for the missed payments on my loan for the investment property that I purchased in XXXX. As you may recall, I believed that I had set up autopay through your company 's dashboard, only to find out that payments were not being drawn after two months had passed. I subsequently discovered that my billing address had not been correctly updated, leading to all mail being sent to the wrong place. 

To avoid any confusion in the future, I have attached the billing address that your company had on file, along with the address that it should have been. The address that the mail was accidentally sent to was XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX, and the correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Upon realizing that the payments were delinquent, I immediately made a lump sum payment to cover the missed payments, as well as any associated fees or penalties. I want to assure you that missing payments is not something that I take lightly, and it was never my intention to default on this loan. I have never missed a payment in my life, and I understand the negative impact that a missed payment can have on my credit score and on your business as well. 


I am asking for your forgiveness this one time and for your understanding of the complicated mistake that led to the missed payments. I am committed to rectifying the situation as quickly as possible and to working with you to find a solution that is acceptable to both parties. 

Please let me know if there is anything I can do to further rectify the missed payments or to prevent similar issues from happening in the future. 

Thank you for your understanding, and I hope that we can work together to find a resolution that benefits u

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: PA
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:
XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On or approximately XX/XX/2019 I started to actively activate my credit card issued via Citi Bank. After three or so tagging my credit card info to XXXX XXXX, XXXX, XXXX etc I received a fraud alert on my account. I reached out to rep via app chat, and provided a 24/7 Fraud Number, ( XXXX ) XXXX since XX/XX/2019. On that date, the rep stated they will mail a letter 7-10 business days, and 7-10 business passed. Its XX/XX/2019, and again going thru the same process, the system they use via third party look for a way to tag my information of me but I have nothing more then little that can verify that I am who I say I am. I ask for information, to no avail. They have not been helpful, resourceful and would like for their security check to change or at least offer other ways to verify its 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 2020-01-01
Company: EQUIFAX, INC.
State: NV
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:
There are accounts listed on my credit report that aren't mine. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On Friday XX/XX/XXXX I received my Citi XXXX XXXX rewards card and attempted to make a {$900.00} purchase with the card at Best Buy as there is a {$2500.00} spend in order to receive the rewards. I then spent about XXXX hours to reach a representative in the Fraud department. When my call was answered I was told that because I did not have another credit card or bank account with Citi that my card will be locked and unable to make purchases. I was notified that since they have exhausted all options to verify my account that I could not cancel my account either. 

I was told that the only remaining option is to mail documents to help verify my identity. My research online shows that even if you are verified with this option if your account is locked after another purchase you will have to go through the mail process again unless you open another account with Citi to help speed up the verification process. I do not wish to open another account just so I can use the services of Citi without more interruptions and would like to close my account.

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 2017-09-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Background : In XXXX I had a standard mortgage serviced by GMAC and after 4 years the TLV value was 88 % ( [ see appraisal document ] $ XXXX {$380000.00} * 100 ). 
We decided to refinance under the HARP 2 program to lower the interest rate and use the streamlined process where less supporting documentation were required The re-finance went through and believed that all was well. 
Owners of the mortgage : o GMAC mortgage : XX/XX/XXXX-XX/XX/XXXXo Ocwen Loan Servicing : XX/XX/XXXX-XX/XX/XXXX o XXXX XXXXXX/XX/XXXX-current Issues : 1 ) During the refinance using HARP2 program, GMAC undertook a property evaluation without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX ). 
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value rate of 152 % and thus would be forced to pay PMI for the majority of the loan. 
3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the GMAC/XXXX  appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. 
The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 
4 ) I believe that the appraisal ( an automated valuation model ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at XXXX XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between {$420000.00} - {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Account status incorrect

Complaint:
Student loan accounts were frozen on XX/XX/XXXX, yet XXXX has been reporting my student loan accounts every month since XX/XX/XXXX of XXXX. I have 234 missed payments when I'm technically only supposed to have missed payments from XX/XX/XXXX, to XX/XX/XXXX, for each of my 6 loans which would be roughly 66 missed payments. It is illegal that all of those missed payments have been reported to my credit during a time when student loans were supposed to be frozen and not to restart payments until XX/XX/XXXX. This has impacted my credit and also prevented me from being able to find somewhere to stay, apply for loans, or do anything to help myself because they were inaccurately reporting information that was supposed to be on hold for the entire ANYONE WHO HAD STUDENT LOANS IN AMERICA! I have contacted attorney XXXX XXXX XXXX, XXXX. in XXXX, Florida to seek legal reparations for losses that I took due to not being able to get loans or additional help because of inaccurate information reported to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( TRANSUNION, XXXX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding you to block and remove this information within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.

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 2018-01-03
Company: STERLING JEWELERS, INC.
State: NC
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:
In 2011 my identity was stolen and a XXXX XXXX card was open in my name. I did not know about the card until further looking into my credit. I immediately called, informed XXXX XXXX of the situation, and requested they close the account. I was told no charges were made and they would close the account and remove it of my credit. Upon further investigation, XXXX XXXX is still reporting to all 3 credit bureaus. I never received any information concerning this account until I called.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
My husband tried to venmo me money for a down payment for my car and for half of the rent. He used his phone number to start the service. I verified my account with venmo proving Im the owner of the venmo account with my phone number that my husband sent money too. I also provided two bank statements and my ID along with my marriage license. XXXX XXXX AND XXXX XXXX at venmo advised my account is now current and unfrozen. The transaction from venmo is showing processed and completed on our bank statement however Venmo has failed to transfer my money. It is been showing pending for a week EVEN AFTER verification. This is beyond unfair. Do you know what is like to have used your savings and not have enough money to buy food on XXXX? This is because Venmo is the worst service ever and they need to be stopped. There needs to be someone ready and available to assist if they are working with peoples money. Consumers need to be comfortable that our money is safe and NOT taken. This should not be taken lightly because I need to pay my rent. Its 2023 being behind on your rent will result in an eviction quick. Again this is our money. This money didnt come from an unknown source and can be proven and traced if venmo would do the right thing. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XXXX XXXX, XXXX {$10000.00} XXXX XXXX CU Opened : XXXX XXXX, XXXX {$3000.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - CARD SERVICE Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2022-01-24
Company: Credit Karma, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called and emailed Credit Karma many times, I was told the {$50.00} bonus would be paid by XX/XX/XXXX. But I never get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief