BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX and transunion not showing or letting me see a free copy of my credit 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 2020-03-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted the new servicing company Shellpoint Mortgage several times because they did not credit me for 3 payments from XXXX, the old company. I have sent them copies of the cancelled checks and they still refuse to do anything about it. They will not even answer my emails or phone calls about this. I do not know what else to do! XXXX was a horrible company to begin with and have done some of the same things, but now I can't get the new servicer to take care of this! I don't see how it is legal to take my money and not credit the payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Have attempted to obtain a modification on this mortgage since XX/XX/2016. Submitted multiple sets of documents, but no mod. The home is valued well below mortgage, comps in area are XXXX less. No communication from Shellpoint since XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/XXXX  T o  : Consumer Financial Protection Board From :    XXXX   XXXX   XXXX   CC : PayPal/ XXXX , California Attorney Generals  Office Re : FA ILURE TO PAY FOR GOODS, WITHOLDING FINANCIAL INFORMATION, FAILURE TO CLOSE ACCOUNT AND ACCOUNT UPGRADED TO LIMITED ACCOUNT WITH NO USAGE Dear CFPB : I am experiencing extreme frustration with  PayPal. I have made purchases though  XXXX , and PayPal is refusing to pay the sellers for items I have won via auctions when they hav e deducted the monies from my bank account.  <P/>  PayPal is stating that I have had a high usage of my account and are now DEMANDING a copy of my  drivers license, utility bill, bank account statements and my credit card statements. This is after having an account since   XX/XX/XXXX ,  the items are being sent to my home address and I have called them from my cell phone, the phone number they have on record since   XX/XX/XXXX  a nd they have my social security number which all makes my account verifiable.  <P/>  PayPal is bullying me by restricting my account. They will not allow me to close my account or delete my financial information. This is ridiculous. I am an unhappy consumer with this business and they are holding hostage my financial information and I want it deleted from their databases. PayPal has  been accused of having ties with  XXXX  and have been hacked  XXXX  only knows how many times. So, why on  XXXX  green earth would I give them all of my financial information when they cant even protect their own? Just unbelievable!  <P/> Due to  PayPals neglig ence I am now being harmed and have incurred damages. Sellers are filing complaints with  XXXX  and writing negative comments about me for the public to see.   PayPal is cancelling payments that were scheduled when I won auctions and the sellers are angry with me over something I have no control over.  XXXX  will be closing my account if I continue to receive these types of complaints. I have a 100 % rating with   XXXX   and that is being threatened by PayPals actions and inactions.
<P/>
I am requesting that your office conduct an industry standard investigation into these allegations and sanction PayPal as    necessary. I have read numerous complaints about the same thing and this is unacceptable.  <P/><P/> Thank you,   XXXX   XXXX   XXXX   XXXX  Enclosures : Bank Statements and  PayPal Account In fo

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 2017-02-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Synchrony Financial checked my credit without my authorization. On XX/XX/2017, I sent them a letter on requesting they remove it. Their response was to send them a current copy of my credit report and they will contact me.

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 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm a senior and a veteran that has been a victim of identity theft. On XX/XX/19, I received my TRANSUNION credit report that had the name and adverse info. of an identity thief, including several inaccuracies. I requested correction of 38 inaccuracies, including the fraudulent accounts opened by the identity thief. His delinquencies and new inquiries for credit caused my credit score to drop about XXXX points. TU has adamantly REFUSED to make adjustments and increases to my  credit score. The inaccuracies caused prejudice to my creditworthiness. The other two credit reporting agencies did not have damaging identity theft info. TU failed to alert me of the ID theft and fraud even though a fraud alert was on my credit report. I have been rejected for an auto loan as a result of TU 's obstinate refusal to correct the damage by this identity thief.

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 2021-09-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three credit bureaus are erroneously giving mortgage loan comings inaccurate fico credit scores on me. 

I'm thinking this is retaliation for turning them in before and also discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My information was leaked in a data breach and was used fraudulently to open accounts without my permission or knowledge. I have filed a report with the FTC report number FTC number : XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX  {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My previous complain number XXXX. Submitted to the CFPB on X/5/2017, where I was concerned about my account being reported as delinquent, your response was : After reviewing your complaint, our records show the information you disputed, late payments on XXXX # XXXX does not currently appear on your TransUnion credit report. In order to protect your privacy, we will mail a copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX Monday-Friday, XXXX XXXX  XXXX XXXX ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. After reviewing my credit report and had provided enough documentation supporting my case, I regret to let you know my credit file is reporting negative information in regard this account. As I stated on my previous dispute a management-consoling program has been making payments since last year and theyre managing my payments. My account is reporting unknown payment status for XXXX 2017 and as you may know this is impossible ( supporting documents state it ), therefore is hurting my credit report. So, Im kindly requesting an update to my file. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
Company: CITIBANK, N.A.
State: MT
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:
In XX/XX/2019 I was setting up my online password for my new Citibank credit card and having problems. I called Citibank to get help and it auto tells you your card balance. I got off the phone and had to call back about 15 minutes later. The automated balance info was over {$3000.00} higher over that span of time. 

I alerted them that something had happened within 15 minutes of it happening, which my cell phone records to citibank prove I made 2 phone calls within 15 mins of each other. The total amount was a  balance transfer to a discover card for {$3000.00} and a balance transfer fee of {$90.00}. 

Infuriatingly, they did NOTHING and allowed the transfer to go through and post several days later on XX/XX/XXXX. 

Since then I have called over and over and over and over again, each time being bounced around to 5-10 diffferent operators and then told " security is working on it. '' And to just wait.

At no time was it ever resolved or simply refunded while their security team figured out where THEY screwed up, and each call would be several hours of being on hold and transferred. At one point I thought the odyssey was over when a woman in fraud said she could see what happened and she would resolve it THAT DAY. She did NOT resolve it that day, though I did retain her phone number. 

Instead I was eventually blamed saying I had been mailed paperwork by the company to be filled out and I had never sent it back. ( I never got anything ). I was then emailed paperwork which I sent back. When it was still not resolved I went ahead and sent it back AGAIN without being asked to, but the balance is still shown on my card with no change. 

I have 0 faith this will ever be removed without 3rd party intervention and all the interest I've paid refunded etc. Fighting this from XXXX until XXXX when I never did anything wrong whatsoever! Countless hours on the phone for something I have 0 control over and continuously blown off and ignored.

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 2022-03-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I paid off a credit card Comenity ( XXXX ) in XX/XX/XXXX. I used my XXXX card. I kept getting calls from XXXX and called a number they left on my voice-mail. I told them I paid this off. They said they would correct it and send me a letter. They did not and reported me to the credit bureau. I disputed them with XXXX and it states account paid off never late. I have not been successful with the other credit bureaus by phone. I received another bill yesterday saying I owe XXXX and they reported me again to the credit bureaus. I called the account center automation and it said balance XXXX, acct closed the same day. I was pre-approval for a XXXX XXXX but was declined because of XXXX and my bureaus lowered my scores. I can not get a.person on equal or transunion to dispute this and I was successful with XXXX. I had this store card since XXXX and was never late. My account was closed in XXXX because the store closed yet I continued timely payments until I paid them off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is a fraudulent charge on my account. I have spoken with my Carnival mastercard company about the issue numerous times. After months of answering every question and sending every document requested, the financial institution told me from XXXX different representatives that the case was closed and the funds would be credited back to my account. I never got a credit and when I called back they were very rude and acted like I had never spoken with them about the issue. I have each call documented with date and time, however, they refuse to check their notes to confirm.

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 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I had issue with Bank of America last week XX/XX/2022. 
I sent {$2000.00} to a wrong number by mistake. I called the Bank of America number immediately after I realized its a wrong number. 
After 2 hours of waiting, someone picked up my call and said they cant do anything at that moment and suggested me to call back on Monday. So I called back again, they filed a claim for the case eventually. 
And yesterday, they sent me an email saying they cant approve my case, because they cant reach that person. 
So basically I lost {$2000.00}. I informed Bank of America a couple hours that transfer was made. And also, the name of the person provided at the transaction doesnt even match with the number of that account. I am very surprised that the transaction even went through. 
I dont know why Bank of America made that decision. So I called the bank again this morning ( XX/XX/2022 ), the person said she is the manager of the dispute team, send she basically emphasize the decision has been made, there is nothing the bank can do right now. After over 11 years of being Royal customer, I felt really terrible the way they handle my case. 
And also, on top of that, on the same date, XX/XX/XXXX, I went to the bank store also since I was on the phone for like 2 hours. The associate basically said there is nothing they can do, and only ask me to stay on the phone and wait for the next available representative.

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 2017-05-26
Company: NEW YORK COMMUNITY BANK
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I secured  a   XXXX   XXXX   home equity loa n   XX/XX/XXXX  fr om AmTrust Bank in  XXXX   XXXX , Fl. The loan was to be paid off within 15 years from the date of the loan. There was never a discussion or agreement or notification that the loan provided the bank the right to call for full payment anytime after the first year. The bank in possession of my loan is New York Community Ba nk (   NYCB   ) in   XXXX , Ohio.   I received a letter from  NYCB      XX/XX/XXXX    t elling me my loan was to be paid in full     XX/XX/XXXX   .  I responded by letter that there was no way I could repay the loan in full and reminded them that the loan was for 15 years no t 10. Many lette rs have been trad ed and NYCB insisted th ey were within their rights to call the loan   XX/XX/XXXX .    Their arbitrary due date has passed. I continued making payments and my   XX/XX/XXXX   payment was returned to my bank and I received a letter advising me that I owed over  18K a nd that it was past due.   The bank has sent me mortgage assistance forms to verify my inability to pay the loan. I am very uncomfortable returning documentation with my signature to a bank that operates in the manne r of NYCB..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting Act these accounts listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15. U.S.C 1681 section 602 A States I have the right to privacy. Section 604 A section2 : 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 2022-07-19
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:
I am writing this letter to inform you that this account has been opened fraudulently and does not belong to me and has to be deleted immediately by law. 


account #. XXXX account name. XXXX XXXX XXXX XXXX 15 U.S.C. 1681x 15 U.S. Code 1679c

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted 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 2022-03-24
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This letter serves as a formal request for a full refund on the product that I bought. 
I purchased a GIFT CARD on XX/XX/2021 and paid a total amount of {$500.00}. XXXX. The gift card was being used by some else. 
It seems that the product is defective and that it is not functioning properly. The specific problem with the product is that Gift Card is a scam, and the US bank is fully aware of the problem. The US bank duplicates gift card numbers. 
Gift cards can be tampered with at the store, she said, by XXXX who grab stacks of cards, remove the security tape from each gift card, and then take photos or write down the cards secret 16-digit activation code. 
Many times, the cards don't look like they've been tampered with because new security tape is placed on them. But consumers are warned nonetheless to be on the lookout for signs that someone damaged the card 's packaging. 
The bad actors, XXXX said, are able to use technology to monitor when the compromised cards are activated. Soon after money is loaded onto the card, the scammers will the use the activation code to steal the money. 
" As soon as that card hits the cash register, they're pinged, '' XXXX said. 
The value of the card can end up being drained by an outsider, without ever leaving your hands. 
I read your terms and conditions, and I am well aware that customers are entitled to a full refund for a defective product.

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