BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to short sale my house for nearly two years now, the most recent has been submitting yet the documents all over again in XXXX of this year. Previously in XXXX of XXXX and beginning of XXXX I believe, first time was around XXXX of XXXX. I keep getting the runaround, I have a buyer his offer was accepted and we've ( my realtor and I ) have been trying to get this EHLP Loan/Lien paid by Carrington since they will not release it. I and my realtor have submitted everything they've asked for, and I get a letter stating my short sale was denied because I did not submit the documents needed, they don't list the document or documents just that I didn't provide it. I am sick of the back and forth and lack of communication from the short sale department. Now I'm getting phonecalls non-stop, between the hours of XXXX - XXXX by the way, I live on the West Coast the property is on the East Coast, that is still before XXXX, why is Carrington calling at these times? Unprofessional is just one of the adjectives to describe what dealing with Carrington has been like, I just want to get the short sale done and avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I originally opened my account with Wells Fargo in XXXX XXXX as a result a scam that a home improvement contractor, XXXX XXXX, had inflicted on me, where he told me that a payment of {$4000.00} by check had bounced, so I wrote another check. The first check did n't bounce, and it was too late to stop payment on the second {$4000.00} check. So I opened an account at Wells Fargo where he did his banking, hoping to catch him depositing my check. I explained all this to the manager opening my account, asking what the minimum deposit would be for not incurring any fees. I did n't want to deal with this account other than the hope I was n't going to lose another {$4000.00}. He deposited the money elsewhere. I had such a bad experience with the whole job -- had to change my locks, filed a complaint, but did n't go to court -- I did n't want to think of him again. Now, 3 years later, I decided it was time to face it -- I would treat myself to my original monies I deposited into the bank. I thought it was {$1000.00}, but the bank said it was {$800.00}, so when I went to close the account on Fri XX/XX/XXXX, there was only {$460.00} remaining! {$340.00} in fees had been incurred. They argued that I had been getting statements all along, but emotionally, I could n't open them. After escalating the issue, they only returned 6 months of the fees, but I assert they misguided me when I first opened the account, as I wanted to deposit the minimum amount to have a fee-free account. I had 0 transactions with the bank, except for the opening and attempt to close on XXXX. Is there anything CFPB can do to help?

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 2018-03-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I refinanced my student loans through Citizens Bank. When I refinanced, Citizens Bank had a promotion where they offered a {$1000.00} XXXX gift card to anyone who refinanced at least {$50000.00} between XX/XX/XXXX, XXXX and XX/XX/XXXX. According to the offer document, the gift card was to be " delivered to the borrower via email within 60 days of the loan disbursement date. '' ( see attached promotion offer document ) My refinancing note was executed on XX/XX/XXXX ( see attached statement reflecting date of note execution ), and the loan was disbursed on XX/XX/XXXX ( see attached statement reflecting disbursement date ). The note was for more than {$50000.00} ( see attached promissory note ). I am therefore eligible for the promotion, as Citizens Bank has admitted. Despite being eligible, I did not receive the gift card within the required 60 days -- which was XX/XX/XXXX. I called Citizens Bank ( several times ), and spoke to XXXX from the Priority Assistance team ( phone : XXXX ) and she confirmed that I am eligible for the promotion, but because my application was not initially flagged as eligible ( an error on Citizen Bank 's part ), they would not send me the gift card until 60 days after they corrected their error -- meaning until early XXXX -- approximately 4 months after disbursement. 

I explained to XXXX that Citizens Bank was in violation of the terms of the promotion, which required the gift card to be delivered within 60 days of disbursement, but I was told nothing could be done to expedite the process. I asked for the issue to be elevated to higher management but was told nothing could be done. I explained that I planned to file a complaint with the CFPB. 

The {$1000.00} gift card was the primary reason I decided to refinance my student loans with Citizens Bank. I would not have refinanced with Citizens Bank if I had known there would be a four-month delay in receiving the gift card, and there were several other options that I considered, including not refinancing at all. The delay is receiving the gift card has harmed me because I planned to buy a new cell phone in early XXXX using the gift card, and I need a new phone for my job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A fraud alert was sent to me a long time ago about an Inquiry put on my TransUnion Credit report Dated XXXX XX/XX/2019 ... I have requested several times to have this deleted, I never received any documentation .about this Inquiry from XXXX XXXX. 

I want this inquiry Removed from my Report Thank You 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 explanation
Consumer complaint received 2021-04-05
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime online banking closed my account on XX/XX/2021 the amount in my account was XXXX, and I never received the funds back. 
My name is XXXX XXXX XXXX Mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was told I would receive monthly bills on XX/XX/XXXX. No bills have come to my home mailbox. I called and was told because I used the banks bill pay feature, I would have to contact the bank. I called the bank. Called back BMW asked to speak with Manager his name is XXXX same line about calling the bank. Told him I called the bank. Told him I have another checking account and may wish to write a check from that bank. Same deal. Nothing no customer service whatsoever total incompetence from BMW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called to have it fixed my calculations and I over chargers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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:
Unauthorized inquiries appeared from my credit report without my knowledge and from unknown banks or financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: LendUp Loans LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The lender, XXXX, aka Flurish, has sent numerous emails, and made phone calls, implying that I have directly or indirectly committed fraud. I have repaid numerous loans to this company, about XXXX, with my own funds via either debit cards or bank accounts. I reiterate these have always been my funds. The company continues to send me emails without explanation regarding issues they have. Additionally, the company will not let me talk with their fraud unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, Transunion received an identity theft report in according with the FCRA. FCRA states a credit reporting agency ( Transunion ) is required to block the information within 4 days. Transunion failed to block the information. Transunion does not have the authority to decline or rescind any block because it was not made in error, there was no material misrepresentation of the facts, and I am not in receipt of any evidence to which Transunion has determined that I have obtained any goods or services as a result of the blocked transactions. Additionally, since then Transunion has allowed the alleged accounts to continue reporting what should be known as false information. Transunion has failed to follow the requirements under 15 USC 1681c-2. Their failure has caused significant harm to my reputation and allowed for my private information to be obtained without proper systems in place to protect 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 2017-12-29
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Direct recovery services contacted an acquaintance last Friday on how to get in contact with me, Ive never heard from this company directly until yesterday they tried calling me, they also contacted my dad 3x and step sister 3x yesterday alone, I called them last Friday and ask them to stop calling any person I know threatening legal actions, when I spoke with the first gentleman on the phone he stated a name and last 4 of social which at this point anyone can say there me and get the info in regards to this matter but now the harassing phone calls keep continuing and they will not stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 paid off an old XXXX account with 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 explanation
Consumer complaint received 2020-05-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rushmore Loan Managment Services will not provide an assignment document for my refinance with XXXX   XXXX. They were contacted 9 weeks ago, on XX/XX/XXXX, and i have written and called numerous times. I am paying an over market interest rate and have to believe at this point that Rushmore benefits from the delay in some way. The service on the phone is very poor with extended delays in connecting and getting someone to actually work on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXX, has violated my rights. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: SYNCHRONY FINANCIAL
State: LA
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:
Dear Sir/Madam, I have disputed this account with XXXX XXXX XXXX and Synchrony Bank, which is the original creditor, the account number is XXXX. 
The XXXX failed to validate the debt and they sent the debt back to the original creditor. Suddenly, I received a XXXX form in the mail from Synchrony Bank, which I was really confused who acquire the debt was it, XXXX, or Synchrony Bank. 
Which a XXXX and Synchrony Bank both are reporting on my credit report from all bureaus with balances showing. 
However, I sent the original creditor a letter stating that the debt should not be reporting on my credit if I filed the loss on my taxes. ( See Attached letter from Synchrony bank ), which I do not agree to. This debt must be removed from all three credit bureaus.

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 2021-02-27
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An erroneous collection claim showed up on my credit report. I have no knowledge of this company nor the company they represent. I never received any bill or anything of the sort and have never done business with either company. I suspect fraud and already have a fraud alert placed with the credit bureaus.This false claim lowered my credit score by 100 points and directly affects my ability to refinance debt and save money for family expenses during the recent weather disaster in my area. 

PROFESSIONAL BUREAU OF C XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEVER DONE BUSINESS WITH THIS COMPANY : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the past 4 or 5 years, Portfolio Recovery has sent me numerous collection notifications via snail mail, which is fine and dandy. However, they have also contacted me every single day at every single number that I have ever had, regardless of how many times I have told them my situation ( no income due to fighting for disability and being unable to work ) at all times, including before XXXX XXXX and after XXXX XXXX. I never gave them my cell phone number or permission to call my cell phone number and yet they continuously call that number as well as my home number. I have tried thousands of times to explain my situation to them, to tell them to stop calling my cell phone number, yet they still call both numbers every single day. This is now harassment and I am tired of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
After multiple calls and instant messages over the period of two months. I was denied my Amex Platinum welcome bonus, since they said that I closed two previous cards after a year, as I am " misusing my credit cards. '' This was after I had called prior to applying for the card, and they said that I was eligible for the welcome bonus. Every time I call about my welcome bonus stats, the customer service person says that I have no reason to not receive it. I fulfilled all the requirements and pay my card off on time. 

I closed both previous cards for legit reasons, the first was a delta gold card, which I closed after not using the airline much, and the second was a XXXX card, which I closed after the merger with XXXX was announced and my points would have been devalued. 

Plus, I have cards outside of AMEX with longevity ( four to six years ) ... AND I have only opened four cards in the last two years.

I did nothing illegal, and I pay my cards off on time, every time. I have a great credit score, and show nothing that would be a risk for the company.

I would like to file a complaint, as I did everything AMEX had asked for, and yet they still refused -- it's not only misadvertising, it's a bait-and-switch tactic to get you to sign up by offering welcome bonuses without following through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Convergent Resources, Inc.
State: LA
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 XXXX has been harassing me over an account that has not nor did it ever belong to me. It belonged to someone who lived in my house by another name. They can't find the gentleman and now they have turned the debt over into my name with 5 different collection agencies and with all three credit reporting agencies over the last 6 years. Each agency has investigated it to find that what I speak is true and they remove it only to find it pop up again under another name and another anount. This is ridiculous and it is ruining my credit score. I am sick of it!!!!

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 2019-02-08
Company: SUNTRUST BANKS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to open a bank account for my business but a account from SunTrust comes up under my info and it's not mine that needs to be disputed

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 2020-12-17
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
My previous complaint XXXX the company provided a response and I was informed a credit would post in the amount of XXXX regarding XXXX XXXX. 

As of today, the credit has not posted and American Express stated on my most recent billing statement if I wish to payoff the balance pay less of the XXXX. I went back to review the statement and it has now been revised. 

Please assist with the reason for the delay and when I will see a credit post. 

It has now been a total of 6 months without resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2016 I was a victim of idententy theft. Someone tried to open several accounts at different companies. XXXX XXXX gave credit to this person and sent me to collections. I never done business with XXXX XXXX. This was reported to Experian and my credit score came down 125 points.

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 2018-07-10
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was considering a purchase at XXXX XXXX and in order to hold my order they took a lot of personal information. They then opened a store credit card for me. XXXX XXXX then charged me {$6000.00} for something I never purchased. I did receive a credit of {$6000.00} when I complained. XXXX XXXX refuses to close out the credit card. I have requested this account be closed several times. I also do not want it on my credit report as I never applied for the financing as I did not make the purchase.

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