BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: Rocket Mortgage, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to covid my husband lost his job, I put my mortgage in forbearance for 6 months. I only missed 2 payments in that time which now I owe XXXX. My lender is quicken loans. After I exited forbearance, the only option that I was given was to modify my loan. They wanted to modify my loan at 5 % interest rate for 30 years raising my payment from XXXX a month to XXXX a month. So being only XXXX behind on payments they want me to pay XXXX more over the course of 30 years. I refused to take the modification, I cant afford for my payments to go up that much and I dont think I should have to pay XXXX for being only XXXX behind. So after I refused the offer they refused to give me any other option, and now stated they will have to report my delinquency to my credit report, and do it every month until I can get caught up. I dont feel this is fair practice, and I know if they are doing this to me, whats happening to the millions out there in my position. Unfortunately if this is what they are doing millions are going to be homeless because just like my situation my husband did find a new job, but isn't making as much as he was before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, I opened a Citibank credit card early this year at the same time as my husband. We XXXX have Citibank XXXX XXXX credit cards and received and offer that if we open a checking account and did certain things ( e.g. pay bills with the checking account ) that we would receive XXXX XXXX XXXX miles. I completed these actions and then they said that the offer was n't found on my account. My husband completed the actions on his account and got the XXXX airline miles. They opened an investigation and after a long time said they would n't give me the miles. Meanwhile they were charging me $ XXXX/month because I did n't have {$50000.00} in the account. They refunded some but not all of the fees but refused to give me the miles so I closed the 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 non-monetary relief
Consumer complaint received 2015-07-27
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I owed XXXX bank an amount of money have paid the amount off over almost XXXX years ago. Arvest bank has since purchased XXXX bank and has refused to take debt owed off my credit report even though arvest has given me letters stating the balance was paid off. I have sent numerous emails and made numerous phone calls all which have said they will take this off my credit report. They have never taken this off my credit, and are now failing to return any calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I ordered XXXX engines from XXXX XXXX for {$4000.00} on XXXX/XXXX/15. He instructed me tosend money through Paypal and to select the send money feature andnot the goods and services. I sent the money as instructed. The sellerdelayed the shipping and finally sent " the engines ''. When I received themThey were unusable junk. I tried to contact him to arrange shipping themback and he quit responding to me. I then contacted paypal as they offerprotection for their buyers. I spoke to the dispute department and was toldthat my dispute would have been an easier dispute if I had selected goodsand services but assured me that it was still disputable. I filed a disputeon XXXX/XXXX/15 with Paypal. The case was opened and the notes show thatthey reach out to the seller. The seller never did respond. On XXXX/XXXX/15 Ireceived notification that I lost the dispute. I reopened the case on XX/XX/2015Paypal again reached out to the seller and were unable to reach him. 
They then sent me an email that I lost the dispute again. I asked them for a detailed explanation as to why I lost the case if they had been unable to reach theseller. Their response was because I selected send money instead ofgoods and services that it became an undisputable transaction. This wasnot what was told to me and if you pull the transaction details it states onthe transaction that it is disputable. In addition to that if it was a nondisputable transaction why did they open the dispute case twice? It hasbeen brought to my attention that this seller has done this before throughPaypal and the are basically using Paypal to scam people. Paypal has beenmade aware of this and has done nothing to correct the issue. In fact theseller is still allowed to use the Paypal site. I would like to get my moneyback for this obvious scam that Paypal is allowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a written request on XX/XX/2017 to Transunion via USPS mail. In the request I asked the bureaus for formal validation of adverse accounts appearing in my report. I also specifically for physical proof of how the debt was validated and I did not receive this. The only thing I received is a copy of the credit report showing that the remarks was updated to " Paid in Full/Was a Charge Off ''. According the FCRA consumers have the right of formal validation and if not it should be removed from my credit reports. I am requesting that the accounts XXXX XXXX and XXXX be deleted as my rights under the FCRA were violated. Furthermore these account were sold and transferred which means NO CONTRACT. Please removed from my report.

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 2015-09-25
Company: Clark County Collection Service
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this company has been on my report for over 7 years for an acct that is not mine at a apartment complex that I did not lease it. so if not removed I will sue them for my creditworthiness. the credit report show it every time I disputed it 3-4 months ago and no remove or answer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by AFNI, Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CORELOGIC INC
State: MO
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:
After using XXXX to check rates for mortgage refinancing in XXXX 2017, I was contacted by multiple companies. One of these was XXXX XXXX. I was contacted by XXXX who requested some more information in order to give me a rate. I provided this information. He then stated that he would need to pull my credit in order to provide me an accurate rate. I said that I did not want my credit pulled. He then asked me why I did n't want my credit pulled, and I said because I was not really interested unless the rate would be less than the 2.75 % interest rate I already had. He was unable to assure me of that so we did not proceed. About two months later I received a letter in the mail indicating that XXXX XXXX had rejected my mortgage application and it was incomplete. I contacted the company to ask why I had received the letter, and they indicated it was because I had started a loan application. I said I had done nothing of the kind and they said they would investigate the situation for me. I then noticed on my credit report that Credco had information from XXXX XXXX, 2017 for an inquiry. I called Credco and they indicated XXXX XXXX had filed the inquiry. I indicated I had never given my permission and they said they would file a complaint with all three credit bureaus to dispute the information and get back to me in 60 days. I also requested the contact information for this XXXX XXXX organization. I spoke to XXXX XXXX and he stated they did show I had applied for a loan with them. I said I absolutely did not and the reason it would be incomplete was I never applied in the first place. He indicated there was nothing he could do. So I requested the legal department contact information. He said the legal department could be reached by mail at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never authorized my credit report to be pulled and the information I provided to XXXX XXXX was never stated to be used for that purpose before I provided it. If they do not rescind their errant request which was made inappropriately for my credit report I plan to pursue legal action against them to stop them from taking other customers ' information without authorization and would appreciate your follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Name of Financial Institution against whom I am filing this complaint : Regions Bank, XXXX XXXX XXXX, XXXX XXXX, FL XXXX Names of Regions Bank employees against whom I am filing this complaint : XXXX XXXX, Mortgage Loan Originator, Vice President ( M : XXXX ; W : XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, Regions Mortgage ( W : XXXX, M : XXXX, XXXXXXXXXXXX ) On XXXX XXXX, 2016, I requested XXXX XXXX XXXX refund my credit card the {$420.00} for the Regions appraisal fee that was PREMATURELY ordered by Regions Bank XXXX Prior to the appraisal, XXXX XXXX assured me that the appraisal for a property I was pursuing would not be performed UNTIL the home inspection was performed and any necessary repairs resolved by contract between me and the seller. I also informed XXXX XXXX that I would not be moving forward with Regions Bank for my mortgage financing. 
Nearly ( 6 ) weeks have passed with very little or no communication from XXXX XXXX regarding my request for reimbursement, even though via email XXXX XXXX stated it was being processed and that he would check on the status of my request. Furthermore, ( 2 ) weeks ago I escalated my request to XXXX XXXX 's boss XXXX XXXX, but with no resolution, communication or reimbursement to date. 
Therefore, as a next step to get this matter resolved, and my money reimbursed, I am submitting my complaint to the Consumer Financial Protection Bureau. 
Thank you for your 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 monetary relief
Consumer complaint received 2017-03-11
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
found a collection for {$420.00} on my credit report. XXXX has not sent me the final bill i requested in a chat in 2015, XXXX never responded to my requests and i find a collections on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I mailed in a dispute letter to XXXX  and TransUnion regarding the following account XXXX, XXXX account number XXXX on XX/XX/XXXX pointing out several inconsistencies that I noticed on my credit report with the way the account is reporting. The open/closed date is inaccurate, balance reporting is inaccurate, the XXXX date, as well as the account status is all inaccurate. XXXX  and TransUnion both received my dispute letters because I sent the letters certified with receipt tracking and XXXX  received my letter on XX/XX/XXXX and TransUnion received my letter on XX/XX/XXXX and has failed to investigate my dispute within the allotted time of 30 days yet they continue to report this inaccurate information on my credit report. This is ridiculous I have been disputing the validity of this debt since XXXX and XXXX  has continuously given me the run around about this account. Please DELETE this account immediately for not only inaccurately reporting but failing to investigate account within 30 days!

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 2016-09-24
Company: BANK OF THE WEST
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do not owe Bank of The West any money and I did not settle any debts for less than the amount owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX XXXX XXXX  XXXX ) have received several threatening phone calls on various occasions disrupting my peace and normal personal family obligations and responsibilities by continuously calling me threatening and harassing me about a 20 year old non eforceable debit that I'm not aware of entering into a contract that would obligate me to pay the debt that they verbally assert my indebtness without providing and contractual aggreements or promissory notes that the company states that I entered into for the purpose of an it education, yet when I request any documents, contracts or evidence to support that alleged material fact. After several requests for this evidence or proof of debt obligation I have yet to be provided with such only vague promised that as of today 's date has not been provided to even assertain that I in fact owe a debit they have the authority to collect on lawfully.i asked them to stop the treating calls and phishing for my personal identifies and private financial, employment, properties and current financial relationships with other financial companies that are in no way related or associated to this unverified or properly identified company without any authority to attempt to collect a debit that has yet to be proved that I'm in fact the correct debtor with the correct indebtness. Please formally file this complaint and investigate this matter to your fullest ability because I truly believe this is criminal fraudulent activity in furtherence of a criminal enterprise. 
The company harassing me identifies thereself as " FINANCIAL ASSET MANAGEMENT INC. '' Atempting to collect an debt for XXXX XXXX. I've been called and harassed by XXXX XXXX and XXXX XXXX claiming to be the supervisor while simultaneously attacking me via conference call with several other associates during the same phone calls. One phishing another harassing another falsely attempting to get me to agree to the unsubstantiated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My husband and I were victims of bank fraud last XXXX 2015. Our bank account was depleted and overdrawn. All bills bounced, including rent and utilites. The bank cleared the issue and gave us back our money. In the mean time they gave us a letter explaining the bank fraud that we could give creditors that bounced transactions. One of my creditors Sears/Citibank N.A. wold not accept the letter or let me make partial payments on my credit card to catch up. Then they sent me to collections. Even after having closed my account and sending me to collections they continue to send me bills which continue to rise. They wo n't accept partial payments and I have tried to dispute the charges but they will not cooperate.

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 2016-03-25
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX XXXX filed a docket on me at the XXXX Couty court house XXXX XXXX XXXX, on XX/XX/2015 Had my attroney call there attroney, wrong phone numbers on dockets. Look her up to find her phone number on her, My attroney talk to her she said her computer was down that day and would call him back, He called again and left messages several times to call him back. Still no response. I sent her a certifed letter for her to please contact my attorney & send all documents to verify the debt. I reported their attorney to the Fla Bar. I looked up this fake company on XXXX XXXX XXXX. The Company is not real. Have all documents

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 2015-06-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
My Home Depot/Citibank credit card recently warned me of " Interest on Promotional Purchases will be due shortly ''. However I never knowingly made any " deferred interest '' purchases and was NOT made aware of these purchases until now. I tried to resolve this with Citibank though they refused to acknowledge this deception. Please advise. Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: National Credit Systems,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: Account status incorrect

Complaint:
On XX/XX/2019 I paid a total of XXXX to XXXX XXXX as my final payment before moving out. The payment was done with a cashiers check dispensed through my bank, XXXX XXXX XXXX XXXX XXXX XXXX. I have proof of the check. 

XXXX XXXX submitted the payment on XX/XX/2019 into their system. I also have proof of their records as they have given me a copy. 

Months later I received a copy from National Credit Services that I owed the same amount described above ( case number XXXX ). 

I called the apartment office to let them know of the letter received from National Credit Services. I was told it would be corrected from their end. Over a year now, this collection is still under my credit report. Please let me know what to do in order to have it removed. 

I did call National Credit Systems and was advised to mail in proof which I will. I am in the middle of refinancing my home and this collection is keep me from having an excellent score. Please advise me on the proper steps to get this removed. It seems that mailing my information will still be lengthy process. 

Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 2015-12-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Due to international travel, had been unable to make payment to Macy 's Credit Card. On finding out on return that it was past due, had called customer service to clear payment. But due to aggressive behavior from customer service representative and my own reaction to it, ended up asking the representative to clear account and close it. It was my impression that after this I was done with the account and dont have to worry about it. But it was suprising that Macy 's continued to send me statements and a balance due was showing up on credit reports that just kept going up. From past experience, had did not expect reasonable reply from Macy 's and hence disputed the charge with experian. Now the result from experian shows a 120 day payment due and no information was provided as to how the fatcts were verified. Having asked Macys to clear the account and close it, donot see any reason why I should be penalized for a mistake made by Macy 's ( represented by XXXX Bank as per dispute result ) who keep charging me long after account had been paid in full and closed. Dispute was submitted to XXXX and Report ID is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief