BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: Paramount GR Holdings, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
This complaint is against paramount equity at XXXX XXXX XXXX XXXX, california, first they told me that my husband and I were approved, and that we should hurry to fix our upstairs bedroom, so my husband and son bought the supplies, charged it on our credit card to hurry and finish the room so the assessor could take a look at the house, then had to fix all the thing that they needed done. So we hurried to get that done. Hurry hurry to get it done. Then they needed all kinds of paper work, one of the workers said they needed one years worth of my checking with my account number on it which I thought was odd. It was to prove that I was getting XXXX. They said everything was good, then everything stop. They said they could n't find our car loan on the credit report, and kept checking our credit report, they said our car loan was not showing up. Is it going to show in a couple of days. Then they lied to us : stating that we were going to get XXXX when we signed. Then they said we did not have enough debt ratio, so they said we had to pay off our credit card and we were going to get only get XXXX dollars equity off our house. What the XXXX are they doing. Who are they to tell us what to pay? With the equity in our house. We also had to pay XXXX for the appraisal by the way and put that on our credit card. And what they did n't realize is we put over XXXX on our credit because of them. Then when I questioned all the charges they had made they gave me all kinds of explanation of what it was for. When I questioned a credit union in my home town the charges came up to XXXX. So I just did not get all the charges they had down. One more thing is that they contacted our insurance agent and told her to put my home owner insurance to send it to them. When the papers were not even close to being signed. Now I owe my insurance 2 months worth of payments to catch up on now. So I 'm writing this to see if they could get checked out. That thier on the up an up. And I would like to get reimburse for the appraisal money. I guess I ca n't use it anywhere else. After all it 's because they lied a lot on what was going on. Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 to the Fair credit reporting act the list of accounts below violated my federal protected consumer rights to privacy and confidentiality. Also have multiple inaccurate information, Under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I have the right to privacy 15 USC 1681 section 6048 section 2 it also States consumer reporting agency can not furnish account without my written consent 15 USC 1861 c ( a ) ( 5 ) no consumer reporting agency may have a consumer report containing any of the following items of information any other adverse item of information, other than records of conviction which antedate the report by more than 7 years 15 USC 1681 S -A ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect According to 15 USC 1681 n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} but not more than a {$1000.00}

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 2022-07-18
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 am submitting this complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. How many times do I have the Credit Bureaus that the information they report on my Credit File is erroneous and is leading to a Negative impact on my Credit File? I have been requesting for the Credit Bureaus to conduct a proper verification of the Disputed accounts by sending me certain documents to prove the Credit Bureaus credibility and authenticity of the information they present. I don't even know if the Credit Bureaus really did conducted an investigation or not since they have never responded to my Letters. Right now, I am submitting this complaint once again to have the following items investigated and corrected. If the Credit Bureaus can not provide proper verification nor correct the disputed accounts, it would be wise to have the items removed completely from my Credit Report : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$540.00}

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 2022-07-18
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:
In accordance with the Fair Credit Reporting act ; 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 explanation
Consumer complaint received 2017-03-06
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Ditech Financial LLC reported this out of statute supposed debt as written off to the IRS without validating the debt when requested to do so in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I logged into my online account today to make a payment, today is Saturday, XXXX/XXXX/XXXX, I noticed that my balance on my 0 % interest was higher than my spreadsheet shows it should be. I found that the bank has charged a late fee on Friday XXXX/XXXX/XXXX for a payment that was due on Saturday XXXX/XXXX/XXXX. When I called them, after waiting an extremely long time on hold, the lady told me that this is because they do not process payments on weekends, so the late fees get charged on the last business day. This is a very old trick that I thought had been made illegal for them to do several years ago. She said that it SHOULD be removed on Monday, however, I do not trust leaving it up to them to do this. So, now I need to remember to log in on Monday to check this and to keep an eye on them each month. None of my other creditors have to charge a late fee before the due date and then remove it if you pay before the due date ... This should be illegal to do - if you do not process payments on weekends, then do not make the due date on a weekend. See, it is an easy fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: CA
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 account # 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 : 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 2019-08-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a letter from HSBC with promotion to open an Advanced Checking account and to maintain {$10000.00} for 3 months to obtain {$370.00}. I have maintained that balance for 6 months and still have not received any welcome bonus. I have tried calling the customer service several times but it has been unhelpful so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
They would not modify my XXXX mortgage under the HAMP program even though I modified my XXXX mortgage with XXXX and made unlawful threats to me by stating they would arrest me, seize my property, garnishment of wages, and foreclosure, and used loud and abusive language, mocking my financial struggles, and yelling and cursing at me. They also added insurance to my account and told me they would not allow monthly payments and wanted the entire balance up front. The company also revealed debts to my employer, neighbors, and family members, and encouraged them to tell me to pay the debt or help them pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
the two collection companies that has called, served me with papers and has sent a sherriff to my home to seize my assests. the hospital has billed me for my daughter who is now and was on state XXXX at the time of her visit. I had a visit and at the time I had insurance through my work. I was having terrible XXXX XXXX and I waited for the day for my insurance went into affect, and waited for my H.R. lady to print out my information to give to the hospital. they never filed atndnd XXXX days it 's too late to pay for that date. another is for the day my son was born. I have a XXXX dollar bill. I was on state XXXX and so was my son. the hospital told me XXXX did n't pay because they said I had and private insurance st the time when I didnt. I called XXXX and they went back and researched the dates and they said they paid out. in returning the call to the hospital, the lady I spoke to reviewy file and she said that the bill is final and the boars refused to look over my case anymore. why should I be responsible for this when I was on XXXX. these bills that either were n't submited correctly or at all and is being refused to look at again is unfair. this is killing my credit. not to mention I ca n't afford it. the representatives at these collection companies are extremely rude. they do n't want to hear what you have to say. you ca n't work a payment arrangement with them because they want what they say you have to pay and if not they will send a sherriff out to your home to say care you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced mortgage and according to Ditech Financial, the loan was paid on XXXX/XXXX/2016. At that time, my escrow balance was {$4600.00}. However, Ditech Financial deducted another MIP premium payment for {$300.00} on XXXX XXXX, 2016, after the loan was paid off. 

According to my title company attorney, Ditech should not have taken any more full MIP payments after the loan was paid off. 

Can you please help? 

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 2022-03-23
Company: Experian Information Solutions Inc.
State: VA
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 2022-07-18
Company: EQUIFAX, INC.
State: OK
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  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 2016-05-04
Company: Ditech Financial LLC
State: AP
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial LLC, seems to have creative accounting practices. I had a " Green Tree '' mortgage that was moved over to Ditech due to their legal issues. I have incurred an advanced debt on my account. The debt I was told, occurred in 2011 for property maintenance that was conducted on the home. My account was charged over {$200.00} to cut the grass and various charges that are excessive. These fee 's are very questionable at best! I have called Ditech concerning paying off the debt. I was told to send a separate check with written direction on where the extra money is to be applied too. I have written on the check and the payment coupon on where the extra money is to be applied you. I have done this countless times. They have taken the money and applied it to either my escrow, advanced interest, or in an unapplied balance account. My escrow now has over the amount need to pay my property tax. I pay my own insurance. I also have balance in my unapplied balance account. They never apply the money to the advanced debt. They continually charge my mortgage a monthly late fee and a property appraisal fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I was offered and applied for an American Express XXXX XXXX XXXX card in XXXX XXXX with a XXXX miles bonus. I received the card a couple weeks later. I then met the requirements as AE acknowledges. But upon inquiring through a chat on XX/XX/XXXX about when the miles would be put in my account, they right then and there determined through a chat conversation that I was not going to receive the agreed upon bonus miles due to a list of possible reasons -- none of which seem warranted and were basically a laundry list of possible reasons of why I might be ineligible. AE had ample time to review my credit history before they accepted my application for this card and included bonus miles. They also should have notified me when they determined that they were going to break the agreed upon offer. THEY made me the offer, and I accepted. Unethical business practices like this need to be corrected. I feel I am owed the XXXX XXXX XXXX XXXX or equivalent cash reimbursement. Thank you for any help you can give. XXXX XXXX. 


Excerpt from chat of laundry list of POSSIBLE REASONS for denying bonus miles : I appreciate your patience. Upon checking your account it appears that your welcome offer has been declined. Based on your history with credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, after I closed my credit card, I stopped receiving paper statements. As a result, I accidentally forgot to check when my payment was due until it had already been a couple of days. I was assessed a late fee even though I was never sent a statement.

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 2016-04-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a response to the company 's response. We disagree and dispute the company 's response. 
Please see the detailed attachment which shows that Ditech is harassing us and claiming that we are behind in payments, even though we have cancelled checks which show that Ditech is lying and committing fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hi there, I have been trying to get a fraudulent charge removed from my Citi Card for weeks. The charge was made on XX/XX/XXXX in the amount of {$470.00}. I did not notice the charge on my statement until XX/XX/XXXX Citi did not inform me of the charge, as most other banks do. I was assured that the card would be voided, that I would be sent a new one, and that I would receive a credit on my account while the matter was being investigated. I was told that I would receive a credit within 3-5 business days. I noticed on the weekend that the card was still active ( I was able to use it online ). I called Citi, and it seems that they forgot to cancel the card and send a new one. Additionally, the charge had not even started to be investigated, and it would take additional time to receive a credit on my account. I received my new card and assumed that I would be receiving a credit on my account soon. Wrong! Last Monday, XX/XX/XXXX, I called Citi to inquire why I have not yet received the credit on my account. I was told that the charge was " mis-tagged '' and that I would be receiving the credit in 3-5 business days. I was also assured that the credit would be posted to my account before my next billing statement. It is now a week later and I have received my new billing statement. There is still no credit. I just contacted Citi Bank and was told it would take an additional 7-10 business days. I have never had such trouble dealing with credit card fraud.

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