BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: TX
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 contacted Experian numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )? I will list below the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed

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 2022-01-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX, I submitted the following complaint against Citibank theough concumerfincance.gov : " To whom it may concern, On or about the XXXX of XXXXXXXX XXXX, I opened online checking account with Citibank as I was switching from XXXX XXXX. On the XXXX of XXXXXXXX XXXX, I attempted to deposit XXXX XXXX closing check in the amount of {$910.00} to my Citibank account ( check number XXXX ). On the XXXX of XXXX, Citibank blocked my card and access to any information online. I called the bank and was advised that the check was flagged as fraudulent, and the account is now in " the process of closure. '' However, the check was deposited - after many hours on the phone with Citibank they verified the check. Therefore, for absolutely no reason, Citibank cut me off from access to all the money I had including that of " fraudulent '' check. As of XX/XX/2021, I have not heard from Citibank and have not received the money - neither do I have an opportunity to check the status online. The situation significantly affected my holidays plans and caused me to lose my car. I would appreciate any advice and help on this matter. '' On the XXXX of XXXX, I received a response form Citibank representative that was not of any help- it was the same statement that I could receive from robotic customer service representatives of a call center : it stated that the account must be closed within 60 days and the close out check will be sent to me then. 60 days expired on the XXXX of XXXX, and the account was not closed. I called Citybank on the XXXX, XXXX, and XXXX of XXXX requesting a callback from a supervisor. Every time I called, the representative stated to call back in XXXX hours and the account will be closed. 
As of XX/XX/XXXX, MY ACCOUNT IS STILL OPEN.

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 2020-06-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Company Navy Federal Credit Union I closed my account with XXXX XX/XX/XXXX and received two cashier checks one from checking and savings checking cashier check I cashed inside of Navy Federal Credit Union in the Amount of XXXX on XX/XX/XXXX with I placed the funds in my account after check cleared my saving balance of XXXX I cashed three the ATM on Sunday XX/XX/XXXX Navy federal made XXXX available and the at XXXX XX/XX/XXXX the remaining XXXX cleared and place in my account for use the At XXXXXX/XX/XXXX on XX/XX/XXXX I tried to make a gas purchase it came back as declined I then contacted the bank Navy federal stated that the check was put back on hold for funds not being available from XXXX so give it another 24 to 48 hours Then on Wednesday XX/XX/XXXX I went to XXXX after being told from Navy Federal The Check was Flag for fraud and that It was a bogus Check Per XXXX XXXX teller I received information the the check cleared there account on the XXXX of XXXX and was paid and received confirmation of that and with a teller stamp went to take the information to Navy Federal In XXXX XXXX  Here in XXXX Texas and the teller I spoke with stated that she had never saw a teller stamp before and didnt understand or no what XXXX was submitting to them and declined to take of the hold for funds per the bank a bank stamp should be recognized I confused The Navy Federal Stated that the federal reserve hadnt sent information needed to release my funds and then stated the FDIC hasnt sent over information that the check should be cleared so Im confused call all those companies each company stated they dont send information to Navy federal to clear checks in there system I need help with this situation I feel like Im being accused of fraud and I havent committed fraud and during covic-19 its hard to make ends meet I need that bill money at this time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian had a massive data breach due to its negligence that included all of my personal information. In the aftermath, I signed up for credit reporting and credit freezes. I did not think in doing so that I had agreed that Experian could start charging me for these services ( and none of the other credit reporting agencies have charged me even though they were n't the ones that were at fault ) but a {$24.00} charge from Experian appeared on my last credit card statement. I tried to call Experian several times to get this straightened out but keep getting recordings that say the wait will be " more than 45 minutes ''. I want them to stop charging me and refund what I 've already paid - I do n't even know what Experian is billing me for since I thought they had agreed to provide free services for people who had been affected by the breach. I think Experian is engaging in fraudulent conduct by charging people for credit monitoring services are only needed because Experian did n't do its job.

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 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was reviewing my consumer report and noticed information that isn't fair and or accurate. based on the fair credit reporting act consumer reports does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Transunion is violating my consumer rights.

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 2022-01-02
Company: Phoenix Financial Services LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services is reporting two accounts on my report that are not mine. States they are medical bills from another state. I have lived in iowa for 40 years. The account opening date keeps changing but are all sometime in the last year. I have not traveled out of state In years. Ive asked them to provide me proof this debt is really mine and have been ignored. These two collection accounts are the only negative marks on my credit report and its infuriating that they are allowed to damage peoples lives in this way without validation that the debt is actually owned by the person they are negatively affecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Did not authorize company to have my information Account not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: WA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Private student loan collector contacted me by phone at my place of business on XXXX/XXXX/2016. I requested they not call there because it causes professional damage and cited the Fair Debt Collection Practices Act. I told them they could contact me via mail. They then contacted me again at my place of business on XXXX/XXXX/2016 and I requested again to not contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: KEYCORP
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Prior to XX/XX/XXXX, I had a {$200000.00} line of credit with Key Bank. In addition to my line of credit, I also had a checking account with Key. On XX/XX/XXXX, I paid off my line of credit and closed my checking account. I did this in person, and received the cash from the closure of my checking account. In XX/XX/XXXX, I received a notice from Key Bank indicating that I owed them {$150.00}, and that my failure to pay them resulted in them " charging off '' my account. I immediately went into a Key branch to discuss the matter with a bank XXXX. During this meeting, the XXXX told me that my account had been " automatically reopened '' and in doing so, several fees were charged to my account in the amount of {$150.00}. I expressed my anger at how an account could automatically be reopened without my authorization, and the XXXX assured me this would not be reported to anyone, and would not impact my credit. I requested a letter from the XXXX indicating that my account was reopened without my authorization, and that this was an invalid debt. The XXXX said he would send me a letter over email. I did not receive an email, so I was forced to reach out to the XXXX several more times. I finally received an email from the branch XXXX stating that I had an account, it was reopened, had incurred fees, and that Key would send a check " on [ my ] behalf '' to satisfy the account. I wrote back indicating that was insufficient since his email was written in a manner that refused to accept responsibility, and also refused to state that my account was reopened without my consent. I emailed again requesting specific information, and would not get a response. I finally did receive a response from the XXXX indicating that he would not provide me with a letter stating that Key did anything wrong, and then provided me with the phone number to Key Bank 's legal department. 
Upon receiving this, I contacted the regional XXXX via email and explained my situation. He wrote back saying that he would look into it, and get back to me at the beginning of the week ( XX/XX/XXXX ). I have not heard from the regional XXXX, and he has not responded to my emails. 
My account has now been reported to XXXX, and I am spending an extreme amount of personal time trying to find resolve. Key Bank refuses to assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since then, Portfolio constantly calls me multiple plus times daily with different numbers each time which I block. Holidays and early and late... I can't take it any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20
Company: CITYWORTH MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
CityWorth Mortgage refuse to give or sign the release form for my apprasial I have sent a formal letter of request which is enclosed in the documents and this company refuse to do it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: ENCORE CAPITAL GROUP INC.
State: OR
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 lost my job at the time and let them know my situation, I tried to resolve the matter with small incremental payments but I then moved and the account got sent to collections anyway and is now hurting my credit and not allowing me to finance a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went to apply for a XXXX. In doing so they promised they would get me the lowest rate etc and that once I put down a deposit I would get an appraisal and be ready to close. I brought it to their attention multiple times that the estimated property value was incorrect. The assured me it would be changed and it wouldn't affect anything. During this time I had transferred cash from savings for closing and in doing so I was hit with fees. After talking with multiple people, I learned that the evaluation of my property at XXXX XXXX would be an issue. If I didn't catch this, I would have put down the deposit and once appraised my appraisal would have come in way under that and my XXXX agreement would have changed drastically. Once I made it a point that I needed these numbers changed, they were very slow and hesitant to get me the numbers right away but insisted on continuing the process. On top of all this once I spoke to someone that was in charge, he told me they'd review the recorded conversation. When I emailed him back, it was forwarded to the supervisor that advised me that the estimated property appraisal didn't matter and he reached out to me. This was very unprofessional as the complaint was about him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Winn Law group placed a levy on our bank account, returned the money when they found it was n't us but have not responded to our many attempts to get all the incurred fee 's ( {$300.00} ) - when we contacted BBB they said to have us call them - they never answer or return calls. after looking into them- there are several complaints about this company yet they 're still in business.. Somebody can just drain your funds, and have no recourse for their error is unbelievable?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I wanted to refinance my current mortgage that is currently over 6 % and I am paying mostly interest to a current more reasonable rate. The vendor that currently has my mortgage is XXXX XXXX XXXX ( TCF XXXX XXXX ) bank. I was working with the Branch Leading Manager, XXXX XXXX I was being bullied so I chose to cancel the process and pursue another strategy during the negotiation process. They chose to publish that my " Value or Type of Collateral not Sufficient '' and " Income - Excessive Obligations in Relation to Income ''. I asked to change the wording to be more truthful but they refused. I contacted the MN Attorney General office and they were able to get them to send me a letter, but still refused to change to document, which is available to thousands of people. Also it may be available to other creditors. Basically I would like it to be truthful. I have an excellent credit rating of over XXXX and I have never missed a mortgage payment. I think they are trying to keep me for going to another vendor by publishing a bad report. 

I do n't feel I should be the victim of this behavior and I am concerned that they have abused others who are more vulnerable. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Arbor Residential Mortgage LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
seneca this mortgage servicing is on my credit report, It belong to my hubsand who is decease. so they put it on my report. my name was not on this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
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:
XXXX stated I owed {$86.00}. I paid it off on XX/XX/2021. XXXX took it off. Transunion states the did, however it is still showing as owed and my credit score is still the same. I have contacted or disputed it 3 times now and they say it's fixed. It is not! I need this off my credit report as " owed ''

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 2022-01-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This my third time submitting a complaint this company refuses to move this bankruptcy after I sent paperwork showing that the bankruptcy is not mine in has been deleted from my consumer report Im asking they reinvestigate because obviously they not taking me serious they have to be lieing if its verified Im about to take them on legal actions

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
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 2018-01-19
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There is a XXXX XXXX XXXX card appearing on my credit that I never opened or authorized opening. I am a victim of identity theft. It says on my credit report it was opened on 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 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company is not responding Ive asked 3 times they prove this belong to me Im starting to they they are lieing to me about this bankruptcy

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 2015-07-27
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Tired to get a loan modification through Ocwen. My mother was put in an assisted living and my wife lost her job. After getting nowhere with Ocwen 's Off Shore call Center I wrote to Senator XXXX XXXX Office. I got a woman named XXXX XXXX who attempted to help me even she could not get anywhere with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Atlanticus Services Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was interested in laser hair removal from XXXX XXXX. I spoke with consultant over the phone amd we set up everything when I was accepted for a loan from fortiva. However, my first appointment was not for approx 2 months away now mind you I have never even stepped foot in an office nor was there a fee for the consultation and they were calling me before I even had any services or appointments telling me my payment was passed due. It is still in my credit they were suppose to send a letter closing it and I'm still being harrased at XXXX and sometimes XXXX  at night thank you for investigating this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation