BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: MNE Services, Inc
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I make XXXX payments to assist in paying down the loan faster. In the past, I had XXXX as a lender and made XXXX payments for 2.5yrs. I see the XXXX XXXX reduce in comparison of making monthly payments. 

I sent a partial {$700.00} payment on XXXX/XXXX/XXXX via ACH, after the cycle date. The payment cleared my bank account. The payment was suspense and returned on XXXX/XXXX/XXXX, which I received the returned funds back. 

I sent a second partial {$700.00} payment on XXXX/XXXX/XXXX via ACH, making my XXXX payment whole of {$1400.00}. The payment cleared my bank account. The payment was in suspense and returned on XXXX/XXXX/XXXX. 

I called XXXX Mortgage on XXXX/XXXX/XXXX. Asking if they can just hold the second payment in XXXX of re-processing the {$700.00} to make the account whole. I was advised by the agent the account will be forward to specialize for review and to follow up in couple days On XXXX, I called back to follow up on an update of the payment I asked to hold since I was going to re-process another {$700.00} to make the account whole. The agent advised the XXXX/XXXX/XXXX payment was returned and I will receive the funds in 7-10 days. I was advised about the partial payment procedure. 



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Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Social Finance, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed dispute case with sofi credit card {$9.00}. I was told the case would be resolved in 3 days on XX/XX/XXXX. I reviewed a mail from SoFi dispute department named XXXX, she told me dispute denied due to no rights of recovery. Unfortunately, we have no recourse in this matter. Her phone number is XXXX. Extension XXXX. I left her voice message, she never call me back. Customer service couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
fraud account never authorized under my name XXXX XXXX XXXX XXXX XXXX  {$2000.00} this account was opened under fraud and disputed as such with original creditors back when account was opened and now Portfolio recovery associates is collecting and damaging my credit report with this fraud account and request this account be removed from all credit reports and XXXX  and cease and disist all collections on this fraud account under my name that does not belong to me. I request it is deleted from my XXXX  credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Here is the short version of my 2 complaints : 1 ) In the summer of XXXX in discussion with Citi rep about the  best way to lower my existing Citi mortgage, the rep suggested a loan modification given the fact that I no longer had 2 years of steady income. I went thru a 9 month horrifying process of repeatedly providing financial details which were repeatedly lost by Citi and re-requested. Citi account reps assigned to the account were swapped out 5 different times and each time it entailed new requests for same documentation. Each rep was never reachable by phone. The rep phone number rang into a call center in XXXX and they would schedule a call with the rep with an average of 2 week delay. The process is completely broken and truly feels like its designed to purposely dissuade people from continuing. At the end of the process they declined the request mainly because I was current on my mortgage and because they believed we had the ability to pay. Why wouldn't they have suggest a straight refinance? 
2 ) Worse yet, we are now being harassed by Citi. We have been and will continue to be current on our mortgage and Now have received a letter suggesting that we are approved for a shot sale. And if we want to " suspend foreclosure activity and accept this offer '' for short sale we must contact them at XXXX WHO ARE THEY KIDDING THEY ARE GIVING US JUST 2 OPTIONS ; A SHORT SALE OR FORECLOSURE. HOW DO THEY HAVE A RIGHT TO EVEN SUGGEST EITHER WHEN WE ARE ABSOLUTELY CURRENT AND ALWAYS WERE. THIS IS BULLYING AND HARASSMENT AND I WASTED 9 MONTHS OF MY LIFE I CANT GET BACK WITH THEIR LAME LOAN ADJUSTMENT PROCESS. 

I HAVE KEPT RECORDS AND I AM PREPARED TO TAKE THIS TO MY ATTORNEY AS NEXT STEP IF THEY DON'T IMMEDIATELY STOP SUGGESTING THEIR IS REASON FOR FORECLOSURE ACTIVITY ON A LONG TIME PAYING MORTGAGE CUSTOMER. 

PLEASE CONTACT 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 2020-06-25
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX, a collection agency for XXXX XXXX is reporting a debt on my credit report for a credit card that I never used, applied for, nor have no knowledge of. Ive tried disputing it on my credit report but they report that the debt is accurate. I also tried calling the collection agency and they have basically told me to jump through hoops to get it removed. This is very stressful. I just want the debt removed. I dont have a credit card with their company.

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 2021-08-19
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: Information belongs to someone else

Complaint:
I never gave any written consent to report anything on my consumer 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 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
TransUnion, LLC. has been reporting incorrect information on my credit report. I have numerously contacted TransUnion with request to re-investigate or to delete incorrect information from my file, however, TransUnion has reluctantly refused to validate its verification method to confirm information with creditors and/or to delete disputed information from my record.

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 2021-04-05
Company: FIRST NATIONAL BANK OF OMAHA
State: AR
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:
Someone tried to access my account and change my information. The credit card company flagged my account and contacted me. Someone has access to some of my information.

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 2018-04-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
New complaint same issue. 

2nd time Citizen 's bank did this to us! Ridiculous. 

XX/XX/18 I noticed my Mom 's acct was left with XXXX dollar after having XXXX dollars in it from her combined pension and social security. My mom is totally XXXX and I am her guardian to which I provided paperwork on file when we opened our bank accts. for me being her joint owner to this acct. 

When opening my friend 's acct XXXX XXXX the bank associated assigned our joint acct to my mom 's acct. I did not correct it when I had found out, but XXXX 's direct deposit was set up going into moms ' acct. While moms Pension that say ANNUITANT COMM OF PA and I do not think the bank explored this that this is showing her pension being deposited since opening the acct. 

Well, as fate would have it without warning, the bank takes my MOM 's money leaving her with XXXX dollar in the acct. She only gets her pension and social security once a month to spread across medical bills, mortgage, bills, food, utilities, life insurance, and living expenses with dad. 

What I do not understand is, if they saw that XXXX and My mom only have 1 acct. this joint acct. and XXXX has his sole acct. how do you wipe out an acct between two accts that shows he only has {$490.00} ( out of {$500.00} in Mom 's acct ) left in the bank in total? NO consideration to their living expenses or bills or anything! 

That in an of itself is incomprehensible. And for this bank to boast and pride itself on being friendly and family oriented is a straight flat out lie. 

So to this end, they took my moms ' money by which the response to my complaint may be ( like my other compliant ) that XXXX and Me are the ones considered as sole owners to this acct with no trace of my mom being on the acct. And that they still have the right to take money no matter whose it is. And it will be so convenient that they will not have any paperwork that applies to me being moms XXXX  and me opening up her acct. and us being joint on it like they just said in my last compliant when taking the XXXX 's entire paycheck out to cover my negative balances. 

There are no breaks for hard times for the customers who may be struggling, by a bank who is by no means hurting or struggling. There are reasons people are not covering their negative balances as quick as the bank would like, and to not explore those reasons or to see how to assist whether offering resources or options, is crazy. 

Our loyalty to this bank means nothing. And I am floored that they have taken a XXXX woman 's last {$490.00} dollars leaving her with XXXX dollar bill and not practicing or maybe not subscribing to the Lending Code. 

Totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: CA
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 been sending letters to equifax for almost a year to remove inaccurate information from my reports. The inaccurate information was removed from XXXX  and XXXX over a year ago but Equifax still has not removed it and will not send me a response. This is hindering me from opening a bank account, getting approved for accounts and I sent several letters to them letting them know the information they are reporting for me is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Continental Finance Company, LLC
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: Account status incorrect

Complaint:
I mailed in a letter to close my account. They never Received it due to that only being a payment address. I only found that out when my credit monitoring alerted me an account went 30 days late and I contacted them. The rep told me he could close the account because the amount showing due were fees only, not an actual balance. I explained to him I was affected by COVID-19, he spoke with supervisor whom instructed him to transfer me to credit protection. I told him I never received any late notices or phone calls trying to try to collect so I assumed the account did close from the letter I had mailed. I spoke with a lady and she assured me due to my circumstances that my credit reporting would be corrected meaning removing the delinquent status that reduced my credit by 53 points. The credit protection is in place now however its still reporting 30 days late on my credit. I have disputed this with XXXX but they continue to report information is accurate. It is not! I want this delinquent status removed off my credit files. I have NEVER been late with this company in YEARS that Ive had the account. The reps that I spoke with at the company agreed and said it would be removed as delinquent.

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 2020-06-25
Company: Trident Asset Management, L.L.C.
State: MO
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:
Trident Asset Management, a collection agency for XXXX XXXX is reporting a debt on my credit report for a credit card that I never used, applied for, nor have no knowledge of. Ive tried disputing it on my credit report but they report that the debt is accurate. I also tried calling the collection agency and they have basically told me to jump through hoops to get it removed. This is very stressful. I just want the debt removed. I dont have a credit card with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent an international wire transfer on XX/XX/XXXX, the receiver got it in the wrong currency so they did not accept it and refunded it on XX/XX/XXXX there was a refund made from JP Morgan in XXXX XXXX and i have documents and reference numbers confirming this transaction. And to this date XX/XX/XXXX the funds have not been returned. 

I have been in touch with Chase every day and they are referring me to their messaging system. however, i have messaged them close to 10 times since XX/XX/XXXX and they have not responded. 
When i go to a branch they say they are not able to access the wire transfer department and when i call the research team their department does not have any phone support so i need to go to the secure messaging system. however, as mentioned they do not respond. 

The branch is saying that they do not have access, the phone is saying they have no way to find out anything.. And the messaging system does not respond. I made a claim and they have not heard back from the claims department. So i went to a branch to escalate the claim and they were going to call me within 24 hours and no one called me. The concern here is how does a financial institution not have anyone that is responsible to be able to make an inquiry into where the funds are. This is a simple request from Chase to JPMorgan in XXXX XXXX where the funds are coming from. And find out what is holding the funds from being released. 

Transaction s like this happen every day. Losing funds in the banking system should be the responsibility if the institution to handle and resolve.

This is choking me i can't sleep and can't do any other work, i literally just lost all my money and I have not one person that can direct me with an answer at financial institutions this large than even has the ability or interest to make an inquiry as to where the money is. 

In short. A financial institution needs to have basic accountability that if funds are not available there should be a process and team that will be trained to help and deal with finding and resolving the issues. 

This is embarrassing and extremely unethical. thankfully I have been able to discuss this with some friends that are business owners and we will be moving out our funds from Chase once this is over, I feel violated. 

Please help with this concern I am grateful for your support. And look forward to getting this resolved XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX my credit card was used in three different locations unlawfully in Florida for the amount of {$1000.00}. The credit card company, Capital One refuses to believe that I did not use the card in Florida since the card has a chip on it and has stated that the chip can not be hacked or used unlawfully. I live in New York and have not been to Florida and the credit card company is requesting I pay all of the amount of the fraudulent purchases. I have attempted to appeal and the company continues to state that they have insufficient evidence even though the card has not been used for several months and has been in my possession in New York the entire time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit bureaus have added fraud alerts to my files. Instead of investigating my disputes the credit bureaus have sent fraud claims to my creditors when fraud was not claimed. I asking for investigations of items that seemed incorrect, inaccurate, or not mine ... Fraud alerts without my phone number are useless ...

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 2018-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money. 
My first stop to freeze my credit score was with XXXX. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a XXXX customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising XXXX. I then called XXXX who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame. 
I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country XXXX not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE

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