BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in XXXX and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Regardless of the multiple written requests, XXXX XXXX account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX 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 2022-06-03
Company: EQUIFAX, INC.
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a XXXX in state of California with my dad. We opened the company back in XX/XX/XXXX and had some employees at the time. So we fell behind with payment for Employment Development department ( EDD ). So in XX/XX/XXXX and XX/XX/XXXX they put few liens on the accounts. Since then we resolve all the past due balance with EDD and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
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:
Regardless of the multiple written requests, XXXX XXXX account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To whom it may concern, this is the response for the previous complain ( Complain ID : XXXX ) where an check issued by Citibank has not been received but later found cashed by someone else. I have been contacted by Citibank since submitting the complaint on XXXX and have provided the executed and notarized document ( Affidavit of non receipt ) to Citibank as request. However, there was no response despite numerous email to the customer service or Citi Benefit. 

For the ease of reference, please find below for the claim number and card info used during our conversation with Citi Bank Claim Number : XXXX - Citi card ending : XXXX Appreciate for your help last time and kindly assist following up this issue on behalf of us. 

happy new year XXXX XXXX PS. I can be reached by email ( XXXX ) or mobile ( 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 explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
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:
Regardless of the multiple written requests, XXXX XXXX account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX 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 explanation
Consumer complaint received 2020-12-31
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An escrow account was initially established for private mortgage insurance only. In XXXX of this year, I communicated to the mortgage servicer that I would be depositing money into escrow for payment of property taxes. As of this date, my escrow account has more than enough money to cover the property tax bill. I have talked with Customer Service several times from XXXX until today. In past communications, I was assured that my property taxes would be paid and that, if late fees were incurred, the servicer would pay them. Just two days ago, I received a call from a Customer Service Supervisor asking me if I wanted the Escrow Dept. to pay my taxes. This is after I had been assured that the Escrow Dept. had been directed by me to pay them. The problem here is that neither Customer Service nor I can speak directly with the Escrow Dept. I sent an email to the Escrow Dept. today asking them to please pay my taxes. The response to this email was " this is a no-reply email address. '' I am now working with XXXX XXXX XXXX. to refinance my home. I am concerned especially now that the current mortgage servicer will compromise the refinance process by its failure to fulfill its obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
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:
Regardless of the multiple written requests, XXXX account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX 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 explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
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:
Regardless of the multiple written requests, XXXX account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since IXXXX a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS which found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files listed below : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Other

Complaint:
My business was approved for a credit card issued by Capital One. When it was approved i specifically asked the rep if this card balance will be reported to personal credit bureau/s. The agent re-assured me because this is a business card they do n't report ... ..Liers!!!!! 
This morning a received notification from my " score watch app '' about some serious changes in my score. It went down XXXX points!!! : ( I was doing all i can to improve it for a house purchase. As you know lenders do discriminate based on credit score. 
They lied to me. My score is down. Lender will punish me with higher rate and worse terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
They contacted me to help get me a modification to save my home to stop the foreclosure on my home. On  X/XX/2017    I gave them money for {$1500.00}. The next payment was on  XX/XX/2017    for the same amount then another payment were due me and my son we did not send that payment. Then this man call me fro m SPS Serviceing  by the name of  XXXX   XXXX  he stated to me that I was about to loose the modification. That was set fo r twenty yea rs at {$1300.00} A month so me and my son would not loose our home. He said that we must send in {$900.00} dollars. We call sps serviceing they never heard of  XXXX   XXXX   XXXX  I have his phone number  XXXX   XXXX  a widows. My husband was a  XXXX  vet. Please help me get my money back thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been gravely affected and credit score is affected as a result of it. No notice was ever given and that 's a violation. I am requesting that all inquiries be removed : 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

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 2016-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Today XXXX/XXXX/XXXX I found out by chance that ( Capitolone 360 ) My mortage compay paid my property finance taxes without permission. - they ( Capitolone ) told me that the XXXX informed them that I was deliquent. Since I could not speak with someone fromt he XXXX. - I had to make and inperson visist - I explained my problem and they told me that my taxes was not deliquent ( despite what they paid - {$1500.00} XXXX. I was inofrmed in order to be deliquent, I had to be 180 days in arreas, - Because of this my mortagate payment went from {$640.00} to $ XXXX starting in XXXX XXXX - I have had this account for over 7 years - I was first with XXXX - Capitiol took over the loan in XXXX - I have never had a problem - I have only received XXXX inquiry from Capitolone asking to submit proof that the taxes was being paid. in XXXX which I complied -To me this another way of predatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: BOEING EMPLOYEES CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Everything was fine up till closing, our lender BECU reported everything was " on schedule '' or even " ahead of schedule '', but missed the final disclosure deadline of 3 days before closing. At XXXX the day before closing, BECU contacted us requested a 15 day slide as they could not meet the agreed to date. After rescheduling utilities where possible, canceling family travel plans, and spending the intended closing day calling around BECU, final disclosure was agreed to be completed 8 days delinquent instead of XXXX and our appraisal fee would be reimbursed. 

The new final disclosure date was met, however the final disclosure documentation featured a significant increase in closing costs ( 33 % increase ) and cash at closing ( 39 % ) due to an error on BECU 's part ( for initial estimates they used 2 months for school taxes escrow, on final disclosure they used XXXX months, a {$5000.00} difference ). Since we are only 3 days from our new closing date, there is implicit pressure to accept these XXXX and so far all phone calls to management/emails to our officer have not been returned or acknowledged our concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Subject : Funds are missing / not deposited back to my account after selling full Paypal Crypto trading Issue : Trusted the name Paypal Inc as its an XXXX, so XXXX $ USD invested money in Paypal Crypto trading and purchased using from XXXX  XXXX XXXX debit card, after the purchase we realized unable to withdraw money in large amounts > XXXX $ so lost money due to crypto trading volatile which wont happen, so realized as its new service introduced in Paypal and its has lot of issues based on XXXX / XXXX / Paypal community complains in comments .. So decide for full withdraw / sell cryptocurrency able to sell successfully and received email notification states funds will be available within 24 hours back paypal account ( email proof i have ). When i reach customer care agent after 48 hours they told me there is no such transaction even after checking for 10 min 's. I have attached the email of the crypto sale then they are able to find the transaction and stated its an engineering problem and they are looking at it but its been 10 days no resolution so far and i haven't received my funds yet and i am not getting responses from customer care as well. 

Resolution : Need my funds back to my account that's still pending. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I asked for some deferment or forbearance for my private student loans while I am serving in the XXXX XXXX but they say they can not defer for more than 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Synergetic Communication Inc
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synergetic communications Inc. based out of XXXX Texas is stating that they are representing a creditor called XXXX XXXX XXXX and that I owe a debt originating from XXXX  XXXX. I never of had such a debt nor have owed that debt. Ive looked through my credit report and show no record of it existing. I have excellent credit and would easily know if I owed anyone. This seems like a scam or some type of bogus attempt to extract money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a Federally Protected Consumer. I checked my credit report and noticed a debt collector Jared-The Galleria of Jewelry has attempted to collect on an alleged debt and has placed it on my credit report as charged off and has forwarded my personal information such as number, address to XXXX XXXX XXXX. Jared-The Galleria of Jewelry has invaded my right to privacy. I mailed Jared-The Galleria of Jewelry a debt validation letter and was sent a letter stating I needed to send them additional information. 
However, XXXX XXXX XXXX provided me with Jared-The Galleria of Jewelry billing statements that were sent to them on an alleged debt. Pursuant 15 USC 1692c ( b ) I never gave Jared-The Galleria of Jewelry written or oral permission to have my personal information and to forward it to another debt collector to collect on an alleged debt. Pursuant 15 USC 1692b ( 2 ) Jared-The Galleria of Jewelry can not state that such consumer owes any debt ; Jared-The Galleria of Jewelry has forwarded billing statements to XXXX XXXX XXXX to collect on an alleged debt. Jared-The Galleria of Jewelry also forwarded an account summary from the " original creditor '' Sterling Jewelry. According to 15 USC 1602 ( g ) I am the original creditor. Jared-The Galleria of Jewelry and Sterling Jewelry and XXXX XXXX XXXX can not create, extend, or give credit. Please the attached.

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 2016-12-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I am in the middle of a loan modification. My loan servicer asked me to send in a cashiers check for {$200.00} to cover the cost of the appraisal. The letter states " to send {$200.00} within 14 days of this letter ''. The letter was written XX/XX/2016 I did not receive the letter until just prior to the 14 day period. I contacted the servicer and was told it must be mailed within 14 days not received. I then mailed the certified funds immediately. The loan servicer then cashed the check, kept the funds and denied my appraisal since they did not receive the funds within 14 days, not what the letter said. Now they want me to refile and send another {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation