BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I called XXXX on XXXX-XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no XXXX score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?

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 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XXXX of 2019 a late charge was access to my account with XXXX XXXX. I had automatic pay setup with XXXX XXXX  which was my Walmart card and they were brought out by Capital One Bank. No one notified me as to the fact of the change in companies. So my automatic pay was canceled through XXXX XXXX  and never picked up by Capital One. So at the end of the billing cycle I noticed it hadn't come out of my account so I called XXXX XXXX  and they transferred me to Capital One and explain to me that I would have to set up automatic pay through Capital One. So I did so and I explained to them that I needed that late payment taken off of my account. At that moment I paid the account balance off and they assured me that they would look into removing the late payment. I even put a dispute in through the XXXX XXXX app. I never was late on any payment and now that I'm trying to buy a house this is hindering me. Can you please help me to get this removed off of my credit history due to improper notification. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: MIDFIRST BANK
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan has been transferred several times after a modification was approved by XXXX XXXX in XX/XX/XXXX. With a first payment to be due XX/XX/XXXX. Then the loan was transferred to XXXX XXXX. they said to continue to make modification payments but they hadn't set it up and stated that I hadn't sent my trail paperwork back on time which was not true as I have fax transmissions to show that I sent the documentation. A representative was advised of this and states that the fax transmission was not proof that I sent the documentation but that's how they asked for the documentation to be sent. Shortly after this my loan was transferred again to Midland Mortgage. Midland Mortgage  says that XXXX XXXX didn't send over all proper paperwork and are waiting on a title clear and that's what was holding Midland Mortgage up from sending the paperwork for the loan modification. I am now facing foreclosure on XX/XX/XXXX as nothing has been done and it seems that I am getting the run around with no assistance.

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 2022-08-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX I attempted to get and save as a PDF my Equifax credit report from AnnualCreditReport.com. I have been able to get my reports from there before with no issues until now. After inputting my personal information it kept putting up a screen to call them, so I did. They directed me to myequifax.com to sign up and get my report there. Although I successful in signing up and viewing my credit report, I was unable to print or save my credit report as a PDF. I called Equifax to find out how I can print or save it, the representative told me that printing or saving a credit report from my equifax is not allowed for " liability reasons '' Why is that? Is it to make it harder for me to send disputes up for the multitude of errors on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint is on Ditech,  XXXX   XXXX   XXXX , countrywide and Greentree. I have been battling this for over 6 years. My husband passed away and my income was cut in half I had to close my buisiness and my only child almost passed 6 months after his Dad. I got behind on my mortgage because of this. I tried to get  XXXX   XXXX   XXXX  to refinance my home which they said they would. I have every piece of paper work. Everytime they get all my information they switch me to another account representative and here I go again in circles. My account is so far behind and they are forclosing on me in a month. I need help. I know this was not handled in a proper manner. My   XXXX   is back and I need a refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just found out through my credit report that the debt collection reported a balance of {$150.00}. I have never been notified of the debt or offered a payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one 360 closed my account with no notice. They are denying me access to XXXX dollars in funds and basically holding my money hostage. I received no notification that my account would be closed. I have bills to pay and need to have access to these funds. These actions are predatory and ridiculous. They gave me no indication of why my account was closed and told me it could be up to 3 months before they would consider giving me my money back. I expect them to allow me access to transfer my money to a new bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: FL
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 contacted XXXX XXXX whom is reporting inaccurate information of a vehicle repossession. I demanded proof a legal document of the vehicle in question. However according I did never receive no such proof or a response from XXXX XXXX within 15 days of a certified mail I sent to them. This alleged claim and inaccurate information reported on my Experian credit report is considered null and void, and any continued collection activities, or continued reporting of this invalid claim of a car repossession from XXXX XXXX is considered a violation of the FDCPA and FCRA laws.

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 2017-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/2017 my cc was lost reported right away to the company. Finding out 3 wks after my account was closed due nsf.But did n't find out truth them I find truth XXXX monitoring my credit .I contact right away as well to my bank XXXX and no records of any nsf.Call them bank and was showing my cc was used and was attempt of 3 payment on XXXX different checking accounts by more than obviously was a fraud case talk with 4 different supervisors nothing resolve even with a police report from XXXX COUNTY XXXX .Once again yesterday I broth this to their attention finding out accept never was report lost and they never took te police report now my credit is been affective

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Contacted  XXXX ,  XXXX  and Transunion about removing multiply inquires off my report. I called by phone  XXXX   XXXX  ,2017 a d also faxed out letters  XXXX   XXXX  ,2017  that were sent certified. Called  XXXX / XXXX  /2017 and   was transferred to the wrong department. There are  XXXX  inquiries which most of them I did not giver permission to wrong my credit.

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 2021-04-22
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PAYPAL CLOSE MY ACCOUNT FOR NOT REASON AND WILL NOT HELP ME WITH GETTING IT BACK UP AND GOING. 

PAYPAL ASK ME FOR VERIFY MY IDENTY AND AFTER I SENT ALL DOCUMENT THE SYSTEM CLOSE MY ACCOUNT AUTOMATIC I UPLOAD THOSE DOCUMENT. 

I CONSIDER PAYPAL IS NOT DOING HER JOB FOR HELP CUSTOMER TO RESOLVE THE PROBLEMS. 

NOW THEY DIDNT TAKE MY CALL S, THEY NOT REPOND MESSAGE. 

i never had any problems with my account. 
i just add money for buy online but the company just locked without any reason. 

my email is XXXX. 
THE REFERENCE CASE IS XXXX THIS COMPANY IS SCAMMER. 
that why i file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$440.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-12-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am supposed to receive Citibank new account sign-on bonus ( $  XXXX {$100.00} ) by XX/XX/2019. This was also confirmed with their customer service representative through online chat ( please refer to the attached online chat record ). Now I am still waiting for the bonus. Citibank did not pay me, did not tell me when they are going to pay. They just keep me waiting.

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 2021-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I found an advertising for merchandise on XXXX. I openned a conversation with the seller and they agreed to sell me merchandise which would help the local Texas police department. I had met someone recently who had seen advertising s that gave a whole story about how this police department was selling items to help support their officers. A day after I paid via XXXX to an odd sounding account, I received no further communication from the individual and lost {$1100.00} which Chase will only call the receiving bank ( who they wouldn't tell me who it was XXXX and said that it will take 10 days and likely nothing will happen or be returned to me. What a horrible system where we are lead to believe that XXXX on Chase is actually safe to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Over 7 years ago, I opened a Home Equity Line of Credit with the bank for {$50000.00}. We only used {$30000.00} or so at the time. When the banking crisis hit, BMO informed us that they are freezing their HELOC accounts and there will be no more credit issued. I understand why they did that. Limits their risk. I was fine with it. I did n't, and still do n't, need more money. Here is the problem -- and its a big one : They still term the loan a line of credit. Even though I can not withdraw money from it. My credit score suffers massively because it says that I have that much available to me -- even when I do n't!! My credit report says that my outstanding loans are higher than they should be because of this labeling error. It should be a XXXX loan and show that I 've been paying it down and never missed a payment. It is NOT A LINE OF CREDIT!!!

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 2022-08-17
Company: Signature Bank (NY)
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I Wired {$24000.00} to XXXX XXXX, XXXX on behalf of Signature Bank on XX/XX/2022. I forgot to add my account identifier XXXX to the memo field and I informed Signature Bank with a phone call to look into my wire. The Branch manager at Signature Bank refused to even look into it and told me to contact my bank. My bank simply said all Signature bank has to do is look at the wire tracking # ( same as fedwire # ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the major credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from Transunion, XXXX, and XXXX what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. XXXX, XXXX, nor TransUnion have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
I informed all three major credit bureaus that The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? XXXX, XXXX, or Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA All major credit bureaus are required to promptly DELETE all information which can not be verified.

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 2017-10-16
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I had lost income and was 5months behind in mortgage. I worked very hard in catching these payments up with 2 left to pay XXXX took it apom themselves to pay my taxes and got insurance for my home and without my knowledge. I had insurance on my home and have til XXXX XXXX to pay my taxes which I have done for XXXX now. I called to straighten out this disaster in finding out my mortgage jumped from XXXX to XXXX monthly. 
I am so upset and now XXXX behind and late fees keep accumulating. I ca n't get any help for a loan because they have posted this to my credit report. I 've asked to add balance to end of loan so I can get things back on track. What can I do???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After several attempts to remove this particular account and has come back onto my credit profile.

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 2019-12-30
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX and Citibank filed this case against me, which I consider is a mistake, because the amount processed for {$12000.00} is not a common value, so the Financial Institution had to send an immediate warning or text message to the client to authorize or reject the transaction and thus avoid possible fraud. 
If this had been done we would not have sent the product and the transaction would have been canceled.

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 2022-05-03
Company: Flagstar Bank, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2017-04-21
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Try to make house payment and says that loan has been transfered to another company. I have no notification of this. Was a  Prime Lending  loan and now I have no clue who it belongs too.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation