BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-25
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citibank fraudulently used an old HELOC for 10K that I opened with them inXX/XX/XXXX when I bought a home. Never used it, but loan officer said " just in case it 's good to have. '' IN XX/XX/XXXX CITIBANK cancelled the HELOC due to lowering home values.I refinanced mortgage to XXXX in XX/XX/XXXX who since held the loan. Citibank had no balance on account, no mortgage - XXXX owed them. 

InXX/XX/XXXX ( 10 years later ) Citibank sends a bill for their " force bought flood insurance '' and its retroactive toXX/XX/XXXX! Citibank reopened the HELOC that was from an original XX/XX/XXXX Loan long ago paid off, they had no interest ( zero ) in the home. Yet CITIBANK re-opened the HELOC 10k fraudulently & illegally, and used account to bill me {$5000.00} of " force bought flood '' insurance valued at $ XXXX retro backdating insurance charges to XX/XX/XXXX. 

Basically placing a lean on a home they had no mortgage on, and no right to insure. 10 + years later reopening an old HELOC, using this as justification to buy flood insurance using my XX/XX/XXXX account that was long settled, without my approval on a mortgage that they did not own. 

This is fraudulent, does a BANK have a right to re-open accounts from old mortgages using HELOCS to buy insurance WHEN they have n't serviced the mortgage for years??

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 2019-11-29
Company: SYNCHRONY FINANCIAL
State: PR
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:
On XX/XX/2014 a XXXX XXXX  credit card account was opened thorough Banana Republic in Puerto Rico. After opening the account with a representative in XXXX she told me I would be receiving my card in the mail and specifically periodic statement. Something that never occurred, Since this bank doesn't have any presence in Puerto Rico, I've proceeded to go to the store were they told me to contact the bank. Finally after contacting the bank ( to see balance pending and were to make a payment ) all pending balance was paid in full, it was explained to the service representative that no card or statement arrived and that any late fee should be waived. Specifically due to the fact that no statement was received. I also proceeded to indicate I wanted the account closed. Currently my credit report reflect inaccurate and misleading information on the report. Specifically regarding a pass due amount of and delinquency that did not occurred. I strongly believe this practices are contrary to FCRA requirements.

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 2022-03-08
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company has illegally obtained my mortgage. They had never received permission via court or my personal. This violates my mortgage agreement. They have also obtained my personal and Social Security numbers without my permission which is considered identity theft. Which means the company has committed a felony which violates their mortgage licenses. 
Besides this factor they have the wrong mortgage amount which is almost {$15000.00} more than my current amount. They have the wrong number of years left on my mortgage. They also have the wrong escrow amount. The wrong interest rate. Everything they have for information is wrong I have attempted to contact the company and they have refused to respond that. They keep attempting to have me sign a contract which I have refused because I am not associated with them and will not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX provided statements, but no signed contract between XXXX XXXX XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

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 2017-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
" Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. '' My information may have been stolen because Equifax could n't update their security and maintain my life 's personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Town Financial Corporation
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a personal loan through Town Financial in XXXX XXXX, IA in or around approximately XX/XX/XXXX, I paid each month, then qualified for another {$800.00} loan to extend original loan out, this was approximately around XX/XX/XXXX,  this was to extend out my loan and be paid off in 24 months. I have been paying $ XXXX {$140.00} each month and have had a couple of late payments. The loan should have been paid off entirely at least 6 months ago. XX/XX/XXXX I was told I had XXXX balance, I have paid over {$900.00} since then. Town Finance harasses me ( I have phone records, voicemails and bank receipts/statements ) at least 5 times per month by calling me for days on end consecutively leaving messages stating they need a payment. I have requested my original and 2nd loan original documents be mailed/emailed to me and was told they would be as well as documentation of each of my payments. Town Finance has never provided this documentation to me after more than 1 request to do so. This company is a complete scam and takes advantage of the working poor and middle class. After complaining most recently to the Iowa Attorney Generals Office regarding Town Finance, ironically, I received a notice in the mail from Town Finance stating that they did an internal audit and have found that I have a balance due of XXXX and if I feel it to be any different to contact them. I do not owe anything, and in fact, they owe me money for overpaying and for fraudulent loan/business practices. I really feel that this company is really misleading in loans offered, interests rates on loans, late payment fees, and have been paid 2 times the amount of my loans that I owed. I want copies of my loan documents and want XXXX back that they owe me. Please help me and others to eliminate Town Finance from being able to prey on people any longer. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2021 Credit Bureau : Equifax Address : Not Listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The called my number to collect a debt that isn't me. They called on XX/XX/XXXXst XXXXpdt. The company was Pacific Retrievel LLC. There number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Mr. Cooper Group 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:
all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX am victim of identity theft and I am not a credit agency place

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 2022-03-08
Company: Specialized Collection Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom this may concern, After checking my credit report I found a error of a medical bill collection, after discovering Hippa Law was being violated I had to write for help, I contact the collection agency and they send me a letter of verification but it was a letter of the procedures I had done the letter clearly stated they type of XXXX I had and how much it cost that is clearly a violation plus the original creditor is XXXX XXXX XXXX they was suppose to abbreviate XXXX  so they released too much of my medical information doing so, so may I please get help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: U.S. BANCORP
State: CA
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:
This complaint is for US Bank Home Mortgage from XXXX. We have tried to dispute a late/delinquent report on our credit and have tried multiple times with them not removing the derogatory report which is affecting our credit. We did a mortgage loan modification which at that time the rep told us we did not have to pay while in modification and didnt say it was going to affect our credit score. To this day, our credit report still says this account is 60-89 days late which is now closed and they will not remove it stating that they have the correct information. 
We need this removed as soon as possible.

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 2022-09-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX ( dated open XX/XX/XXXX XXXX XXXX XXXX ( date open XX/XX/XXXX. 
These accounts are fraudulent as well as misleading considering I did not open these accounts nor am I aware who did. Furthermore I did not request to have these fraudulent and inaccurate items reporting on credit profile which violates 15 USC 1681 section 602a and 15 USC 1681 section 604a section 2.

Ive contacted both parties and complied with their request. All necessary documents have been submitted on numerous occasions. Still the issue has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Ad Astra Recovery Services Inc
State: NM
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 Creditor is : Ad Astra Recovery Services, Creditor is : XXXX XXXX XXXX XXXX NM, in the amount of {$760.00} Account Number : XXXXX This account was already disputed by me and all the three major credit bureaus. " It was, " Investigated, Removed and Deleted. '' from all of my Credit Reports after I proved it was a, " Fraudulent Account and not mine! '' I was hit very hard back in the Year 2015 by up to 15 ILLEGAL CREDITORS, in which someone used all of my personal information to obtain credit and have access to cash as well. 
However, for some odd reason, it was once again placed on both my XXXX and XXXX Credit Reports! I do not know if it was placed on my XXXX Credit Report as I do not have access to it, however, this Creditor should not even exist as I mentioned all the credit bureaus did their investigation and found that is as indeed a, " Fraudulent Account! '' and had it removed! I do not understand why this is happening but it not right and I think it is quite illegal as this creditor is violating my rights under the Federal Trade Commission Laws! I have spent over two years now working on all the, " Illegal Frauds '' that were committed in my name and I when I finally managed to clear them up, " I then get hit again with this Creditor who was already removed and deleted. I also submitted to this company all the legal documents they requested and still they are allowed back! Something is not right with what is going on as I should not have to continue disputing Creditors that have already be en removed! I need this Creditor to remove themselves from my credit reports as what they are doing is, quite illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX provided statements, but no signed contract between XXXX XXXX XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX provided statements, but no signed contract between XXXX XXXX XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sold an item on XXXX. Trying to withdraw my money on Paypal on the XXXX XX/XX/2018. They have put it on a hold for 72 hours for no reason. They keep changing time frames and are just not releasing my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX XXXX XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax Address : Not Listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX keeps removing and reapplying accounts to my credit report in violation of the FCRA. I have NO LEGAL CONTRACT with XXXX XXXX and I owe them no debt. They have also not provided full validation as requested. Remove this from my XXXX and Experian reports immediately. Account numbers are XXXX and 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 2018-02-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Amex platinum delta credit card has a refer a friend program where if you refer someone and they get approved, you are entitled to receive XXXX  bonus miles. Back in the first week of XX/XX/XXXX ( Amex has the exact date ) i referred my wife by sending her the link provided from americanexpress.com in the email. She clicked on the link and applied for the card, she was approved right away. Couple of days went by and i did not see the referral miles show up in my account. I called Amex and they said it takes about 6 to 8 weeks. I called multiple times after a few weeks and then was told the same story. After a while, i decided to open up a complaint with Amex about this issue and escalate it. They opened the complaint ( Amex has the exact date ). Ever since then i have been calling Amex and they are saying that they are still reviewing, It has been since XX/XX/XXXX that i have been calling Amex and they have not issued what i am entitled for. To everyone who is reading this, i have been a member of Amex since XX/XX/XXXX and i urge you to stop your business with Amex as at this point they are in the very shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: ROBINHOOD MARKETS INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 my Robinhood LLC cash account was once again restricted, placing the {$4000.00} in my account out of my reach. Robinhood did this to me before, see prior complaint from XXXX. Robinhood refuses to give any information that would allow me to remedy the situation, no explanation of what happened, just a kafkaesque process in which humans seem to have no control over the seemingly omnipresent " system '' that is keeping me from accessing my money to pay rent. My paychecks are direct deposited in the account, as they have been for months. I hold some investments in the other part of the account, but utilize their cash management and debit card for primary banking. 

It would not be so bad if you could speak to someone who could walk you through expectations and assist accordingly. The customer service team seems to be isolated on some island where all communication with members outside of their direct team, or at least the impression received when numerous requests for call backs are simply ignored. I've asked Robinhood to unfreeze my account and allow me to transfer assets to one of the linked financial institutions in my account so I never have to deal with this absurdity again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concerned, Please do the justice and solve these on going dishonest conduct of Navient. I have filed the police reports and contacted them numerously explaining that these loans are not mine, and explained that I did n't even saw any of the original loan papers, they still pursuing me and ask me money to getting out of the situation. When I filed the police report, the detective me that I have to continuously contact them till they drop me. 

Navient Account number : XXXX, default balance : XXXX Forged cosigner School loans were accepted : XXXX XXXX XXXX, XXXX XXXX, CA I am an XXXX  from XXXX 28 years ago, had been diligent with my credit history in last 15 years as in A rating, but after this ID theft cosigner statue in defaulted 5 loans by my nephew XXXX XXXX, my credit score has been completely destroyed to D, from XXXX. 
Though I am not working, but a full time house wife, I had been paying on time on all my credit cards last 5 years, recovering slowly from D to C minus score. May be I am not good in explaining in English to them, or did n't do the proper respond with Navient, but I already sent 5 registered mails with police report copies over last 6 years to Navient whenever I had time, but still my credit are ruined becaouse of Navient and they are still after me causing so much stress grief with many illness. 

This student loan company XXXX XXXX, now changed the name to Navient is pursuing me through collection agencies almost every 6-8 months and finally last year, they said if I give in to pay the amount of {$8600.00}, then they will drop me out of the co-signer obligation of these defaulted loans from my nephew XXXX XXXX. numorously I explained that : these 5 default loans are not mine, my birth date is wrong and my address and employement were written as my sister 's by XXXX XXXX, not mine. Navient said they will permanently leave these 5 defaulted loans record on my credit history that my nephew stole my ID and forged loan documents. 

Now I do n't have anyone to ask to do the justice after numerous trials with Navient explaining these are not my loans, my credit histories are ruined and Navient do n't respond me any more since last year. My nephew XXXX XXXX is practicing law in XXXX XXXX, Ca, he lied to Navient that these loan documents were written by me. Also he drop paying the loans in XX/XX/XXXX, exactly 10 years after status of limitation is expired. Very typical white color crime.

Company response to consumer: Closed with explanation