BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: CITIBANK, N.A.
State: PA
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:
CITI CREDIT CARD COMPANY LOWERED MY CREDIT LIMIT BY {$500.00} STATING THAT I WAS LATE WITH " ANOTHER '' CREDIT CARD COMPANY. FIRST OF ALL, I HAVE NEVER BEEN LATE ON ANY OF MY OTHER CREDIT CARDS AND I HAVE QUITE A FEW OTHER CARDS WITH OTHER COMPANIES. SECONDLY, EVEN IF I DID HAVE A PROBLEM WITH ANOTHER CREDIT CARD COMPANY, WHAT DOES THAT HAVE TO DO WITH MY CITI CREDIT CARD? I HAVE NEVER BEEN LATE WITH MY CREDIT CARD PAYMENTS WITH CITI AS LONG AS I 'VE BEEN WITH THEM. ACTUALLY I ALWAYS PAY MY BILL WITH THEM EARLY. I BELIEVE THIS IS A DISCRIMINATORY ACT ON CITI 'S PART WITH LOWERING MY CREDIT LIMIT. BECAUSE CITI HAS LOWERED MY CREDIT LIMIT, MY CREDIT SCORE TOOK A 25 POINT DECREASE.

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 2017-12-30
Company: SHAPESHIFT AG
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On the XXXX of XXXX, XXXX at XXXX I sent XXXX Bitcoin ( XXXX ) to Shapeshift 's service in exchange for XXXX Ripple ( XXXX ). The value of XXXX at the time was approximately {$17000.00} which would equate to ~ {$720.00} and the value of XXXX was approximately {$.00} which would equate to ~ {$710.00}. However, this transaction and Shapeshift has now held my funds without allowing any access when I was supposed to immediatley recieve my XXXX  XXXX.

Shapeshift 's support team has now reached at to me and said they will refund my original XXXX in the next coming days. However, my original XXXX amount is worth only ~ {$520.00} and the XXXX I was supposed to recieve is now worth {$2000.00} as of today,XX/XX/XXXXI have demanded to recieve the XXXX but their support team is of no help. They claim that any errors in their transaction will result in an IMMEDIATE and AUTOMATED refund of the original payment method but they have failed to do so. So, they 've now held my money for 15 full days.

Many other have the exact same issues as I 've seen on forms such as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with XXXX and Experian on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from Experian at all and I have disputed more items beginning in XXXX  of this year. XXXX have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can 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 explanation
Consumer complaint received 2017-07-12
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received from  XXXX   Country Tax Claim Bureau  on  XX/XX/XXXX   a " Notice of intent to  Asses  Attorney Fees '' by certified mail because I have a delinquent taxes due {$3500.00}. I send to  Caliber Home  Loans copy of this letter by certified mail and by the system. Then I call to see what happened with my property taxes. They tell me that open a research and after  1 1/2  months  (  final week of  XXXX   XXXX  they tell me that all the taxes have been pay by  Caliber Homes  including the penalties fees. I request a copy of the payment but never send me this.  <P/> Next I received from  XXXX   Country Tax Claim Bureau  on   XX/XX/XXXX   a " Second Notice of intent to Asses Attorney Fees '' by certified mail. I sent to  Caliber Home  Loans copy of this letter by certify mail and by the system. I call again and they tell me that the property taxes has been pay in full.  <P/> Then I received a letter with analysis date   XX/XX/XXXX   from  Caliber Homes Loan th e same requires me to pay {$3000.00} for the escrow account.   I am writing a letter back to require a correct analysis of my escrow account that has been misused by   Caliber Homes Loan.
<P/>  My Analysis of the Taxes that I send to  Caliber  in the letter  : 1.  The taxes for  XXXX  ( according to invoices  )  were {$690.00}  ( county &  municipal ) + {$2200.00 } (  school ). For a total of {$2800.00} before   XX/XX/XXXX  . You debited from my escrow account on   XX/XX/XXXX   the amount of {$1600.00} ( city/town/township ) and on   XX/XX/XXXX  he amount of {$2000.00}  (  school ). For a total of {$3600.00}. There is a difference of {$780.00} that you took out of my account.  <P/> 2. The taxes for  XXXX  ( according to invoices  )  were {$1600.00}  ( county  & municipal ) befor e XX/XX/XXXX   + {$2000.00}  (  school ) before   XX/XX/XXXX   for a total of {$3600.00}. You debited me from my escrow account in  XXXX   XXXX  the amount of {$1700.00}  (  city /town ) + {$2900.00}  (  city/town ). For a total of  XXXX  taxes of {$4600.00}. There is a difference of {$980.00} that you took out of my account.  <P/> I send to  Caliber Homes  Loans a certified letter on XX/XX/XXXX  explaining all of this and requires the immediate correction of this. I never received a call or letter from  Caliber  and still have in the web site my new increase payment on my loan.  <P/> Is very important to let you know that I 'm never pay late my home and I am not responsible for taxes penalties. I call  Caliber Homes  yesterday to follow up my letter again and they tell me that my property taxes has been increase and that 's why. I tell the lady that talk to me that is impossible because I have a homestead exclusion in this house and they have copy of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX talked me into a contract on phone service I did n't want in year 2013 or earlier. They keep billing me and collects payments from me and my payee to a debt collector called Diversified Consultants. They told me I now currently owe them {$710.00}. Also XXXX says I owe them {$120.00} and sent me over to a debt collector just because I no longer wanted there service to XXXX. I feel this is not right because I have no service with any of them right now and they are taking money from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello XXXX XXXX, It has been over 4 months since I replied to your email request for my phone number. This is the same treatment I received previously from PNC Mortgages XXXX XXXX. Excuses of not receiving phone calls, emails and most shockingly documents. I am astounded how PNC is able to stay in business if this treatment is standard behavior. The financial devastation caused by PNC keeping me on the hook for over 16 months with the promise of a first mortgage in order to continue to cover my Moms caregivers costs on a fully collateralized loan has not gone away. I did everything that was asked of me, creation of documents, all the documentation required for a first mortgage sometimes twice because documents were mysteriously disappearing or I was told they were never received and two appraisals within a 12 month period. The unethical practice by PNC has financially compromised two lives. The professionally responsible action on PNCs part would have been to answer my many questions regarding PNCs ability to close on a loan. But no, I was continually assured that PNC was going close on the loan. Had Id been treated with respect and honesty I would have made arrangements sooner to move my Mom to an XXXX XXXX not incurring expensive 24/7 at XXXX XXXX costs waiting for a loan that PNC never intended to close. How do you people look yourselves in the mirror each morning. I cant be the only customer this has happened to. The only fair action on PNCs part at this time would be to pay {$250000.00}. to cover debut costs, appraisal costs and lost wages. <P/>I look forward to hearing back from you. <P/>XXXX XXXX XXXX cc : Consumer Financial Protection Bureau case # 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 monetary relief
Consumer complaint received 2019-06-11
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I asked a Caliber Home Loans customer service representative about removing my PMI, from a conventional home loan that I have through them. She informed me that one of the options was to get the house reappraised using their appraiser, and if the LTV ratio was below 80 % it would be removed. After paying Caliber for the appraisal, they sent me a letter telling me that I was at a 76 % LTV ratio, but then told me that it needed to below 75 %, so I now needed to pay more money ... Upon calling in and speaking to a representative I was just told that the LTV ratio now needed to be below 65 %. I feel like they are just taking advantage of me for not refinancing, which they try and convince me to do on an almost weekly basis at this point. Oh and another thing, we've never missed or been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF SILENCE, ENGLEHARDT V. GRAVENS MO 281 SW 715,719.NO PROOF OF THE DEBT EXIST OR DEBT EXIST TITLE 15. CREDIT REPORTING IS IN FACT OPTIONAL, WILL MOVE TO ARBITRATION.. Under title 15 credit reporting is in fact optional. In accordance to 15 USC 1692 e, f, i. I have all rights reserved as a consumer citizen of XXXX  and I do not give permission to any company to speak, embezzle or coerce any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an account with USAA several years ago and when I lost my job in XX/XX/XXXXI fell behind and eventually the account was charged off. Over the years I have been trying to repair my credit to buy a house and for a long time I have been told that paying the charge off will only hurt my score and make it harder to qualify for a mortgage. Most recently I was advised by the lender to pay the account to help get the scores where they need to be. Back in XX/XX/XXXX I contacted USAA and after several attempts reached the right department to be able to get these balances resolved so that we can move forward with purchasing a home. The balances were paid on XX/XX/XXXX and XX/XX/XXXX respectively. when I contacted the bank at the end of XX/XX/XXXX to get a letter of satisfaction showing that the balance had been paid I was told that the payments were not posted to the account yet for either of the ones made even though one had been paid through USAA bill pay 2 weeks prior. They told me to call back in another week and they should be posted so I can get the letter of satisfaction. I waited a little over a week and called them again only to be now told that they still are unable to provide the letter as they have not properly updated the accounts on the credit bureau. I am really shocked to see how they continue to give us the runaround about just getting something in writing to show that these accounts have been paid when we have paid them both off already. We are now on a time crunch and we have to move. We need help. USAA is not doing what needs to be done to provide us with the information we need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, 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:
ON THESE DATES BELOW THESE INQUIRIES WERE ADDED TO MY CREDIT FILE WITHOUT MY PERMISSION OR AUTHORIZATION. I DID NOT AUTHORIZE THESE COMPANIES TO INQUIRY INTO MY CREDIT FILE. 
XX/XX/19-XXXX XXXX XX/XX/19-XXXX XXXX-XXXX   XX/XX/19-XXXX XXXX XXXX XX/XX/19-XXXX XXXX XXXX XX/XX/19-XXXX XXXX XXXX   THEY ALSO HAVE THE NAME " XXXX XXXX XXXX '' ON MY CREDIT FILE, I WOULD LIKE FOR IT TO BE REMOVED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This old account was handled properly. 
The account was closed by me ( the consumer ) and the final bill was paid years ago. 
This was reviewed previously with another agency and they resolved the non-existing problem. Now, here again a new agency is calling for a debt, I never owed. I'm furious that they are calling my job as well. It needs to stop!!!!!!

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I need a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2019-10-09
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Good morning, UAS is the account holder for my XXXX Perkins loans. The total of the original loan is {$2100.00}. The total balance now is {$2300.00}, and the amount due is {$410.00}. 
I contacted them to try and extend my forbearance and was told that I would have to make a {$300.00} payment before I could apply for any other benefits. All of my federal student loans except these are on an Administrative Forbearance because I have filed a Borrower 's Defense application. This is because XXXX lost in a lawsuit with the FTC for deceptive marketing practices. I was a student that received a check because of it. I informed UAS about my status and on top of that I can't afford those payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled through XXXX XXXX and I disputed the debt with the company. They were also sent the proof of settlement. They are still holding the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Submitted a dispute on XX/XX/2022 which was fraud related. Per 605B, Ive supplied my SSN, Passport, and FTC complaint. Experian has acknowledged that they reviewed/received all documents and they ARE VALID. However, they have refused to comply with the standards and guidelines, per the FCRA & FTC. This has caused hardship, aggravation, and stress. I have been overwhelmed by staying on the phones XXXX & XXXX hours at a time since XX/XX/2022. Experian has received updated documents and I have completed everything outlined in the policies according to both Federal law and Experian. They have advised that XXXX will have 30 days to respond. In actuality, Experian only had 4 days after they received the documents to remove, block the items and THEN notify the data furnisher. They have instead sent a copy of my SSN card, and passport to the XXXX party.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: OH
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2018-01-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an delinquent past due account on my credit file, that doesn't belong to me or I am associated with, I have contacted XXXX/Equifax with no successful resolution. It says the account was open on XXXX, 2017 and the original creditor was XXXX XXXX , whom I have no idea is, or what products they deal with. This new collection has dropped my score over 40 points due to this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to modify my mortgage with AmeriHome Mortgage Company for over a month now. The denial reason the company provided was unclear title. When discussing this reason with AmeriHome customer service representatives ; including several in their Loss Mitigation Dept, I was informed that a {$1000.00} debt is owed to the City of XXXX from years prior to me purchasing or taking possession of the home. It was determined by AmeriHome representatives and by XXXX XXXX XXXX XXXX that the debt belongs to the previous home owner ; however, AmeriHome still will not modify my mortgage. I even sent AmeriHome information from the XXXX County Recorder of Deeds that shows there are no liens on the property. Ive called the company at least a dozen times to request the modification and even emailed them. All I am ever told is that someone will call me back ; which never happens.

Company response to consumer: Closed with explanation