BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It has been almost XXXX months since we first asked SLS to initiate the process to have our existing prepaid PMI policy cancelled and proportionally refunded due to substantial energy efficiency improvements to the property. However, SLS has stalled at every step of the way even after us having to file XXXX other CFPB complaints ( number XXXX, and number XXXX ). They claim to have ordered a XXXX on XX/XX/2022 but it is now almost XXXX weeks later and they wrote back to us today saying the XXXX has not been fulfilled and did not provide any updates. Every month that SLS delays this process we are incurring unnecessary economic losses since the proportionate refund is reduced for every month that the policy is not cancelled. 

We separately upgraded the range; added a water softener; renovated the bathrooms by adding new faucets, towel holders, and toilets; painted the living room, bathroom, and kitchen with cleaner and more modern paints; replaced all ceiling fans ; and added smart switches. 

SLS first tried to gaslight us by saying we had no right to a proportionate refund, then promised to allow us to initiate the process to have PMI removed based on the updated value to the eighty-percent threshold and the significant improvements, including energy efficiency improvements. Now they are just sitting around with no progress being made even though they closed our previous CFPB complaint claiming they had rectified the issue.

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 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX and I am XXXX XXXX XXXX and I am dictating this letter to my daughter, XXXX XXXX. I have an account with XXXX XXXX for about 30 years, and I have an account with Bank XXXX XXXX. A couple of weeks ago, I received a phone call from XXXX XXXX indicating that I had a margin call and that I needed to deposit XXXX dollars or they would liquidate my stocks. The dividends from these few stocks help me to live. I was not sure why I owed that money and what exactly a margin call was. I called my daughter and she called XXXX with me on the phone. That is when I found out that someone fraudulently wired and transferred about XXXX dollars out of my account without my knowledge or permission. It was then wired out to my XXXX account, without my knowledge or permission. From there, it was wired out to an unknown account at XXXX XXXX. I reported this to all 3 institutions. I was never notified of any suspicious activity on my account at XXXX. In all my years, I have never taken out money on margin. Nor have I ever requested a wire transfer. XXXX has informed me that there is nothing they can do and that they will not refund me the money that was taken fraudulently from my 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 explanation
Consumer complaint received 2022-09-25
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lost my credit card and requested a new one and wasnt aware my gym XXXX wasnt receiving any monthly payments. Im currently 5 months XXXX  therefore I havent been going to gym, and it wasnt until a couple days ago when I went to cancel my membership that i found out i was past due on payments. I never received any phone call from the gym notifying me about this. I decided to go to my old address to check if I had received anything I came across a letter saying this bill was going into collection. Ive never missed any payment, I always have my payments on autopay and if I would of been notified about this I would of made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I contacted Goldman Sachs regarding a CLI on a existing Apple Branded XXXX ; they denied the credit limit increase because Your recent payments on Apple Card did not cover a significant portion of your monthly balance. Yet, I made a $ XXXX payment days before the request which brought the card balance to {$0.00}. When I contacted their customer service representative they were uninformed and unhelpful. They said that XXXX doesnt look at internal payment history and only rely upon what is reported to the Credit Bureau XXXX yet historically on this account XXXX has failed to report updated information to the credit bureau in a timely manner. 

It should also be noted that the credit limit issued by XXXX XXXX sufficient to purchase most products at the branded store ( Apple ) associated with the card ; when I pointed this out to the representative, the were like so, use another card the Apple Card by XXXX is heavily advertising that you can get 3 % cash back on Apple purchases with the Apple Card. 

It should also be noted that I have a XXXX score in the low XXXX range and is much higher than it was when the card was first opened. I also have multiple cards with other lenders with credit limits 50 % and 150 % higher than that on the Apple Card by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: NC
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:
Need More Time I have given the following customer more than enough time, While investigating please remove these illegal transactions off my report. According to Equafax and XXXX have responded through the CFPB that they are investigating, while they are investigating the following account, those accounts need to come off until a proper investigation has happen, There has not been any proven evidence that these accounts provided clear and conspicuous contracts. I choose to opt out, I choose that you block this information from my report. I am requesting that the reporting of this information be blocked and deleted my request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transaction You are required to do what I'm asking and block these transactions from being report to my consumer report with 4 days from the date of the recepit of this notice. 


the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Open XXXX XXXX XXXX XXXX XXXX Opt Out Permissable purpose Remove from credit report So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. 
Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: CA
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:
my car loan with XXXX XXXX XXXX violation according to the FCRA 15 U.S.C. 1605 determination of finance charge

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 2022-12-05
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I experienced a hardship that caused me to fall behind on my mortgage. Shortly thereafter the XXXX pandemic hit and my hardship was compounded. I am not sure if I was ever given the forbearance. I was not given any post COVID assistance. My lender did not make me aware of any assistance that was available. My lender then had me served foreclosure papers XX/XX/2022. I had my attorneys office send a research request on XX/XX/2022 asking for all correspondence advising of XXXX XXXX  available. They have not responded and will not answer any questions regarding the handling of my loan during the pandemic. I am now in foreclosure and at risk of losing my home and my lender will not explain why they did not help me or even advise of available assistance. Now I am in foreclosure and incurring legal fees that I believe was unnecessary if I would have been able to take advantage of assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
my Identify is stolen or Lost and i can not access my Privacy Credit report also i want XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Fraud credit reporting Requested all of this information from all XXXX credit reporting agencies and no answer and nothing was give. 

I was frauded in XXXX and XXXX and just recently notified someone tried to use my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
BOA Class Action Lawsuit XXXX 
XX/XX/XXXX {$220.00}, XX/XX/XXXX {$220.00} money deducted why?, XX/XX/XXXX {$220.00} Temporary credit expires XX/XX/XXXX {$220.00} : XX/XX/XXXX, XXXXDirect deposit {$950.00} = {$730.00}, XX/XX/XXXX Direct Deposit {$950.00} = {$690.00} and continued to XX/XX/XXXX {$300.00} received XXXX Temporary credit from BOA ( Man in the middle just like XXXX XXXX ) my response on fixed income please do not take my money please I'm XXXX. never deposited back in my acct so acct still active until paid in full {$100.00} a day if not paid back {$3000.00} a month after per month until paid in full .US law fraud, embezzlement Branch mgr refused to talk to me said XXXX  was stealing my money spoke to associate said that she would testify on my behalf half. BOA in XXXX  XXXX Ca XXXX her name is 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 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 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 
Thank you. Sincerely, 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 2022-07-29
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had my mortgage with XXXX since XXXX. In XXXX I lost my job as a XXXX. I asked XXXX to give me a short term loan to cover property taxes until I could sell a property I owned. They said no. Even though I was a long term good customer. I borrowed the money on line, Paid the taxes, but they raised my monthly payment and turned my loan over to Shellpoint, a collection agency. When I lost my job again in XXXX, I missed 5 payments. I notified them that I had sold the property and closed for cash on XX/XX/XXXX. When the check cleared. I sent Shellpoint {$10.00}, then {$10000.00} and another {$10000.00}. I calculated I owed {$2100.00} x 5 and {$100.00} x 5 for penalties plus the {$5200.00} for the first payment of taxes. I later paid the second payment of {$4200.00} myself. I have been trying to right my account. The last modification Shellpoint sent me was for {$2200.00} for 40 years. That would come to {$1.00} XXXX. Plus a prepayment of over {$24000.00}. Paying the previous payment would be {$380000.00} plus taxes about {$150000.00} total {$530000.00}. They have funds of mine on hold. Not in escrow, for over {$20000.00}. They refuse to release them and apply the money to my mortgage. They also have not sent me an IRS form so I can deduct the amount and file my taxes. They have threatened me twice with foreclosure even though I have paid over {$70000.00} and can prove it.they have reported to the credit bureau that I havent paid in 229 days when I have paid them 4 payments of as Shellpoint requested when XXXX contacted them earlier this year. I requested a written explanation of the extra amounts they are demanding. I also requested of XXXX XXXX that I be sent the IRS form 2 weeks ago and have received nothing. I am XXXX XXXX XXXX and on Social Security. I would like this resolved. I feel like they just want to take my house which is niw worth around {$490000.00} or more. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: SYNCHRONY FINANCIAL
State: NC
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:
Amazon closed my account several months ago. Before I had payments drafted automatically and then had it stopped once account was closed without even consulting me. I had never had a problem paying my account however I have made payments consecutively since XX/XX/2023 and they are saying I am delinquent when I am not. This month I paid late because of what they were doing with my account trying to resolve it. I am enclosing all payments since XXXX up to last month and I just paid today XXXX. My account is closed and my balance has increased instead of reducing when they are no purchases on my account. Can you please look into this matter for me because speaking to their reps amounts to nothing. Thank you very much

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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX, XXXX. 
- XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX 
- XXXX XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-05
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I would like to make a complaint regarding my dispute with Citibank. 

I have had their credit cards for 20 years without any issue and last year I also had a checking account with them with no issue but I closed it to go with a different bank for their better term. I never violated any terms, paid my cards always in full and on time. 

On XX/XX/XXXX, I opened a checking and savings account through my online access. They then debited XXXX from my other bank account for deposit to the new account. The next day, I received an email saying the accounts have been closed, I could not even access my online account. I called them several times and the rep could not see that there was money in the account and finally I talked to the executive response unit and I had to send her a screenshot of my other bank account to prove that they debited the money from me. Originally, they also said that they are going to mail that money via check to me within 31-60 days without any tracking information, now that I pressed for the fact that they're being totally unfair and irresponsible, they provided me with a letter saying that it will be mailed within 7-10 business days ( today is already the 17th days from they closed the account ) and may provide me with tracking number when they do. This is totally wrong because first of all, I know for sure that I did not violate any terms and they did not want to provide me with reason at all. To let someone opened an account where they need to do due diligence before approving then closing the accounts the next day, not being responsible with the money is a breach of warranty and duty. It has been stressful to say the least and now that I do not have access to online account, and for the fact that I have been transacting paperless for many years, how am I supposed to pay my credit cards bill with them. Their reps are very unprofessional, dealing with them is very difficult. I think the fact that Citi is trying so hard to lure consumers by offering bonus and high yields is the heart of this problem.

Thank you for your attention to the matter.

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