BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: GA
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:
I just tried to dispute a charge on my card " XXXX XXXX  # XXXX XXXX XXXX '' I did not get the 2 chocolate dipped cones, and brownies were not put into my ice cream which I paid {$3.00} for on 3 separate items. 

it was for a delivery of ice cream, they denied to launch the charge because I didn't " try to return it '' # 1 I didn't have that option after I was already told they refused to refund me # 2 they refused to refund me for items I paid for that I did not recieve. 

They are legally obligated to refund me It is Citi 's fiduciary duty to launch a dispute LAUNCH MY DISPUTE FOR {$14.00} STOP BEING SILLY AND DO YOUR JOB

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 2017-01-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of 2007 we purchased our house and after further review our house and garage has XXXX layers of shingles on them. Per XXXX NY, there 's only suppose to be XXXX layers of shingles at any time making the home inspection in violation of XXXX code. Our garage and house are in need of new roofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was burned by fire XX/XX/XXXX, my insurance company Foremost sent a check to me and I sent it to my mortgage company. Carrington mortgage sent a check XX/XX/XXXX for the contractor to start to rebuild my home amount {$10000.00}. Contractor has sent contract to Carrington mortgage requesting funds be disbursed in one thirds, 1st one third would have been approximately {$40000.00} until the next draw. Total Funds from XXXX XXXX company to rebuild my home was {$100000.00}, Carrington mortgage is holding these funds in escrow and want disburse to the contractor. Carrington mortgage sent me a document to sign saying I wanted to pay off my house and not rebuild with the insurance money. Carrington is trying to steal my home, I'm homeless and need my house to be rebuilt as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: AZ
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:
Sent letter from XX/XX/22 to current not budging

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO TRANSUNION IN REGARDS TO A LETTER THAT THEY SENT TO ME. 

Transunion Consumer Relations XXXX XXXX, 2016 To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent XXXX previous letters to you, all by certified mail ( copies of receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters all sent certified mail stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt Transunion to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

I anticipate your response. 



Sincerely, 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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2022-05-05
Company: Experian Information Solutions Inc.
State: AZ
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:
Sent letter from XX/XX/22 to current not budging

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 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There's a problem with authorizations not being credited back to the account. Also, multiple charges from XXXX & XXXX for subscriptions that are unauthorized and duplicative.

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 2021-08-06
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with geting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, I was looking at my XXXX XXXX i noticed inaccurate information. I noticed XXXX XXXX  put a late fee on my account on XX/XX/2020. I called XXXX XXXX  on XX/XX/2020 they admitted i was never late. I asked them if they can send me this in a document form they said they couldn't. I just want this late fee removed from all credit reporting agencies as this is inaccurate information and I always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: OH
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:
Ive noticed that there is a bankruptcy on my credit file for which I need to dispute. Ive disputed with XXXX and they have removed the Bankruptcy right away as it remained on my credit illegally for years. 

Please see to it that XXXX and Experian do the same too. Ive contacted the clerk of courts and they never verified items on credit files so Im baffled as to how a public record such as the BK is on my credit report!! 

I know for certain that the bureaus are in violation of the FCRA, Comprehensive Credit Act of 2020 sec 401 and other laws. At this point, Im entitled to compensation!! {$1000.00} per item! 

XXXX needs to remove the Bankruptcy. 

Experian also needs to remove the Bankruptcy. 

No negative items such as inquiries, late payments etc. should even be listed especially if none of its true for which none of the information can Be verified ln my credit file! Again none of this untrue info has been legally verified to be true. 

If this isnt resolved soon, Ill be litigating soon!!

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 2021-08-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed into sending money. I know that was my fault on XXXX through my bank account. I tried to cancel the transaction. On the XXXX  it says while the transaction is pending it can be canceled. When I finally got someone on the phone after waiting a hour maybe he said it showed as pending. After being on hold for what seemed like forever I was told it couldnt be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX of a bill collection Agency convergent outsourcing Inc. from XXXX XXXXXXXX  and I dont have any XXXX XXXX service at all.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Sent letter from XX/XX/22 to current not budging

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 2021-03-23
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2020, I submitted a refinance application with my existing mortgage lender, Flagstar financial. I have an excellent credit score, no financial hardships, solid employment history and was not requesting any cash out. It was a simple refi to change the rate from a 30 year@ 5.25 % to a 20 year@ 2.875 %. Over the past 5 months Flagstar has conditionally approved the application package multiple times only to request additional disclosure statements regarding any changes to bank account balances between XXXX through XXXX, multiple credit reports XXXX through XXXX and most recently a signed explanation statement regarding inquiries of competing lenders on my credit report last week. 
The latest reason for Flagstar 's two week delay is because I attempted to research competing lenders who were interested in refinancing my loan for to the extensive and unnecessary delays created by flagstar. Once I informed flagstar of this action they responded that closing should take place within a week 's time ; therefore I did not pursue other lenders interest. 
With industry standards being 30-60 days for new applicants to close on a refi, I suspect Flagstar is intentionally delaying the closing of my refinance considering it's in their best interest to keep me paying my current mortgage at a higher rate. Additionally, the have not disclosed how much these delays are costing ( in both interest and term ) me per month. Finally, since XXXX refi rates have increased and competing lenders are not able to match the original lock in rate from XX/XX/2020.

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 2021-09-30
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with RECEIVABLES PERFORMANCE. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2020-04-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is astonishing that these collection agencies and creditors will take advantage of Americans at the lowest point for some reason they feel that is the best time To falsely reporting on your credit bureau against consumers for instance portfolio recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put HSBC bank which was bought out by XXXX XXXX but instead they stated that it was a debt with HSBC Card Services that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of XXXX XXXX XXXX HSBC BankXXXX XXXX. 
This debt was Re-aged and XXXX XXXX XXXX did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made XXXX XXXX   could not. 
The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by XXXX XXXX XXXX which is illegal and in clear Violation for the FCRA and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposit a check to Chase bank to one of their Teller on Monday XXXX. XXXX and it was saying depending. The next day on XXXX XXXX I check my account threw my text and it said chkXXXX avail {$190.00} at XXXX and the I check again it said chkXXXX avail {$10000.00} at XXXX. I paid some bills threw the online banking and then went to the bank to get a new debit card and get money out and they tell me the check is still depending. How can it it is depending when I look online it say available balance still there of {$5200.00} and all the bills i pay online when threw. The banker at chase put a hold on all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Incorrectly reporting late payment. NEVER LATE XXXX XXXX ACCOUNT # XXXX BALANCE 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 2019-05-22
Company: CITIBANK, N.A.
State: MS
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 have a credit card with SHELL/CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called Citibank and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SHELL/CBNA with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from EOS CCA about a debt originally owed to XXXX and then sold to XXXX XXXX XXXX XXXX and placed with EOS CCA. EOS CCA sent a letter on XX/XX/XXXX about the debt and I replied on XX/XX/XXXX asking the company to verify the debt. It is XX/XX/XXXX and EOS failed to validate the debt, but they did not hesitate to update the debt to my credit reports on XX/XX/XXXX within the time I requested debt validation, a clear violation of the FBCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was contacted via mail from Ally regarding a settlement for having inflated interest rates for a person of minority. The deadline was approaching and I was not able to locate the form itself, so I googled. Where I was then able to fill o out an eligibility form ( which I did ) and was submitted by both mail and fax. 
Today upon checking the status of the claim, I saw that checks were issue back in XXXX. I called Ally Settlment Administrator and by giving my name they knew exactly who I was and my address. Theres no way I am the only XXXX XXXX in the entire world. Upon confirming that it was in fact I whom they were speaking to, I was told that I did not complete a participation form. I then stated that I followed the directions per the website for claim and there was no f forthcoming correspondence from them indicating that the wrong form had been submitted. She stated yes. I then thanked her and to have a nice day. 
I did my part in a timely manner as was requested.

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 2020-04-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I cancelled my American Express credit card on XX/XX/2020, after paying off a total balance of more than {$6500.00}. After my account was cancelled, I was issued a credit back to my AMEX account for incorrect charges assessed to me by XXXX, leaving a credit balance of {$18.00} on my cancelled account. I reached out to AMEX on XX/XX/2020, and I was told a refund check would be issued and sent to my address at XXXX XXXX  XXXX XXXX, # XXXX, in XXXX XXXX, FL, within 7-10 business days. On XX/XX/2020, I reached out to AMEX because I did not receive the check. I confirmed my address, and was told the old check would be canceled and a new one issued and sent to me within 7-10 business days. As of today, XX/XX/2020, I have not received my refund check. It's now been almost 3 months since AMEX has been holding my credit that they have not issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
We applied for a home mortgage and our application came back with serious delinquencies and other issues on both my wife 's and my Credit Score Information that was provided by Experian. They are the only agency that reported any issues, none from XXXX or XXXX. 
I went to the Experian website and entered all the information, including my SSN and then was left with a blank webpage with no options and going back in the browser deleted all the sensitive information I had just provided to Experian. They have no way to contact them by phone as every number defaults to the same voice menu. 
My complaint is that I/we have always have excellent Credit and these Experian reporting 's are not just incorrect they are a serious consumer abuse that they have the right to damage consumers confidence in the Credit reporting system and the arrogance to be out of contact when their website does not work.

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