BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2017-01-23
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am filing a complaint against Rounpoint Morgage. For the reason I have submit a modification packed to them, and provided my proof of income, However ; they refused to approve my loan for a modification. I contacted Roundpoint to confirm if they had my correct income, because the deny documents I received did not provide the income or expenses that were use. After I contacted Roundpoint they confirm I have a XXXX surplus, after covering all house expenses included current mortgage payment. I am devastated because I am following the guidelines, and Roundpoint is refusing to approve my loan for a modification. I am showing them that my intentions are to keep my house. Please help me I am still willing to work directly with them again, however ; I am tired of Roundpoint is making me re-applying every time.

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 2016-10-19
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I received a new debit XXXX through Key Bank. I scrambled trying to remember all the accounts attached to it for my monthly bills. My water bill was delinquent and I had to submit the new account number for that. There were recurring charges for services that I did not want continued. Imagine my SHOCK when those merchants were able to obtain my new credit card information when I did not authorize them to. This should be illegal. It is not a service to consumers ; it is strictly a profit for the XXXX and the retailer. The only option XXXX was willing to do was to reissue me another card - which was not acceptable to me since I had just updated everyone I wanted updated with my new information less than a month ago. There was no " opt out '' of having new card information provided by an " updater '' program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
FORSTER & GARBUS IS ATTEMPTING TO COLLECT A DEBT FROM ME ON A XXXX XXXX CREDIT CARD ACCOUNT THAT IS FROM SEVEN YEARS AGO. THE DEBT IS NO LONGER LISTED ON ALL THREE OF MY CREDIT CARD REPORTS.THE DEBT IS LISTED AS BEING FOR THE AMOUNT OF {$970.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2015-04-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
XXXX sold my loan to XXXX two years ago XX/XX/XXXX after accepting me into short sale ; XXXX honored short sale but shortly after started displaying predatory lending practices. Offer on my house made XX/XX/XXXX for over asking price and to this day, still have n't closed. XXXX asked for same info every XXXX days ; claimed the XXXX inspection was n't done but in fact the inspector said he was asked to say he " lost '' information, etc. I believe they are trying to force a foreclosure. I would have never moved out back last year if they did n't say closing would be in XXXX days. I am still paying bills associated with that house ( not mortgage ) and I know under the program I would have qualified for moving expenses. I feel dubbed and am doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a customer with Chase bank and on Sunday  XXXX   XXXX   I tried to make a transaction for about {$20.00} at a restaurant and was told that my debit card was declined. At first I thought that it might have been the merchant 's mistake. I then tried to use the card that afternoon for a {$30.00} grocery store payment and was told that my card was declined. This really was surprising since I had more than enough money in my account to cover both costs incurred that day. When I called  Chase ' s  " 24hr  '' Customer Service line, the woman proceeded to tell me that a restriction had been placed on my account. After much back and forth, she explained that the restriction was accidentally placed on my account by Chase. She then told me that the one dept. that would be able to help me was closed on weekends and that I would have to inquire about the matter on Monday in person at a bank branch. Of course in finding this out I was furious especially since  Chase was so negligent in not sending me any notification regarding the restriction being placed on my account, not giving me any additional information about the matter and basically not caring about one of thier customers. Thankfully I was able to go into a bank branch the next day and resolve the matter which took about an hour and event the person that helped me was having trouble at first ( which was at no fault of hers as she was very helpful ). Never in my life have I experienced such negligence from a bank. Chase handled this matter very haphazardly and extremely sloppy. I know they do n't care about my " Little '' bank account but regardless of the status of the account holder, Chase should be vigilant in correcting THEIR MISTAKES and their customers should n't have to feel li  ke they are an afterthought. I do plan on closing my account and taking my business to another bank. Shame on you Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/XXXX I made an International wire transfer in the amount of {$5000.00} USD to XXXX XXXX in XXXX, XXXX for the purchase of real estate. I was told by HSBC that it would take 48 hrs for the receiver to get the money. 48 hrs went by and the receiver contacted me to let me know that money was not yet received. I called HSBC on XX/XX/XXXX and they told me since it was an international wire transfer it would take 7-10 business days for the wire to be processed. According to HSBC the account had to be verified. Days went by and money was still not delivered. I then decided to wire the money from my XXXX account and the money was delivered in less than 48hrs which is the normal time frame. I then called on XX/XX/XXXX to cancel the Wire transfer since it was never delivered. I was told the credit would be reflected in my account within 2-3 business days. I called XX/XX/XXXX and was told additional information was required. I provided and verified the receiver 's information. Nothing happened. I called again XXXX and asked to speak to the wire department. I was told I couldn't speak to them directly. I called again on XXXX and was told the cancellation was under review. XX/XX/XXXX money still not refunded, I had to again verify the receiver 's information and was asked when the company was established. This information was not requested at the time the wire was initiated, so it makes no sense as to why I would need to provide that information to cancel. I however reached out to the receiver " XXXX XXXX '' and they were very cooperative and provided me with the information. This is the worst bank, I find it unacceptable that I to make over 10 calls, over 1 hour each to simply cancel a wire transfer. XX/XX/XXXX - Called again and had to provide additional information, they said the wire cancellation would finally be processed, and the money would be refunded within 3-5 business days. This bank should not be allowed to do business in the USA due to their bad banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was incarcerated when the account was open I sent them evidence of this

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 2017-03-21
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank had a promotion requesting people open a checking account and deposit {$15000.00}, maintain it for three months, after which customers would receive an {$400.00} account bonus. I called them and opened the account, funded the account on XX/XX/XXXX and maintained the required balance. The bonus should have been posted on XX/XX/XXXX but Citibank has not deposited the bonus as promised.

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 2017-01-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I cancelled Sears credit card number in XXXX and paid it off in XXXX. It was XXXX XXXX XXXX XXXX. 
I opened another account with them 4 months ago. Th In XXXX they started transferring the money I paid in to XXXX XXXX XXXX XXXX. In XXXX, they did the same thing. The amounts were {$790.00} and {$430.00}. Now they are saying I have to pay the {$430.00} plus XXXX again. I have called six times. 
I wo n't pay them anything more and have cancelled the account. It looks like fraud to me. 

and they won ' t straighten 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 non-monetary relief
Consumer complaint received 2021-04-27
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a Private school loan with My Rich Uncle ( aka 'XXXX XXXX ' ) back in XXXX. At that time I was at the University of XXXX at XXXX ( XXXX ). Please note this school has changed its name to the University of XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. In XXXX I transferred to the University of TXXXX XXXX ( XXXX ) where I am presently enrolled. A few years ago, I noticed that American Education Services ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in AES issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, AES is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs to STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: Experian Information Solutions 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 have spoken with XXXX  and Experian regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.

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 2020-09-11
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ DATA OPENED XX/XX/2019 {$4500.00} I HAVE CONTACTED IQ DATA SEVERAL TIMES FOR VALIDATION OF THIS DEBT AS IT DOES NOT BELONG TO ME AND IT'S BEEN A YEAR AND I HAVE STILL NOT RECEIVED ANY VALIDATION REGARDING THIS ACCOUNT. THE CREDIT BUREAUS XXXX, XXXX  AND XXXX  CONTINUE TO VALIDATE BUT I CAN'T GET ANY VALIDATION FROM IQ DATA!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was 2 months behind on payments and SunTrust would not take partial payments to get caught up along with trying to do a modification they wouldn't assist me on my sole person and I was told several times I needed my ex wife 's information even though I have supplied the divorce papers along with the quit claim. The only assistance I have received from them is calling several times a week and finally saying something about Corona virus to then be allowed to make partial payments to them.

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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : 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 an 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 2016-01-05
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I have disputed the charge for the service that has not been provided. However, the bank refused to give a full refund claiming that they are not able to collect money from the merchant. This is not has been promised in their dispute policy. This is the main reason I use credit card as it is a safer way of doing business. Credit Card should honer their policy and issue a full refund. And if they can not make the merchant pay them back they should not allow this merchant to use this system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: DISCOVER BANK
State: RI
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:
There was a fraudulent transaction on my discover card XX/XX/2019. I contacted discover the day after it happened. They took off the charge and then a few months down the road they re-added the charge and accused me of having done the transaction myself. I have proof that I was not in the area as it is very far away from my house. I have contacted discover multiple times for them to investigate and every time I get a response to give them 6 weeks to re-open the investigation. They never contact me back and then I have to reach out and for them to tell me that there was no additional information that would allow them to investigate further. It seems as though there is no effort in their investigation and it is simply convenient for them to place the blame on me. I have never been to that store in my life and I didnt even know what it was until discover told me. I very rarely travel that far away from home to go shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

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