BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, i initiated a transaction via XXXX of {XXXX to a recipient through my Citibank checking account. The {XXXX} was debited on the date of the transaction and on XX/XX/XXXX ; the {XXXX} was credited to my account due to my failure to complete the transaction on XX/XX/XXXX ( I forgot to put in the verification code the bank sent me ). 
On that same date XX/XX/XXXX ; once in receipt of the {XXXX}. XXXX in my account ; I initiated a new transaction in the amount of {XXXX} to the same recipient. Immediately following my transaction, the bank activated the previous aborted transaction of {XXXX} and sent it to the same recipient even though it was my request nor authorized by me. Since I didnt have {XXXX}. XXXX in my checking account, the bank withdrew the {XXXX} from my line of credit. 
When I contacted the bank, I was told that they already sent two transactions totaling {XXXX} to the recipient and it was my responsibility to call the recipient to get my {XXXX} refunded. It explained to the bank or rep of the bank that first the error wasnt mine to fix and secondly, I couldnt get hold of the recipient. Still the bank refused to credit my account and I refused to pay for the {XXXX}. XXXX which eventually went on my credit report. 
I have a 100 % payment history with Citibank prior to this incident and a credit score of above 750 ; this negative report is damaging to my XXXX XXXX nevertheless I refused to pay for any money that I didnt authorized. 
More forward to XX/XX/XXXX I received a letter from Citibank that the recipient didnt received the {XXXX}. XXXX and I was to get a check which I received a week after. I contacted Citibank to have the negative report removed from my credit history and was informed in writing that date if the transaction / claim was outside their scope of the time to investigate therefore they cant honored my request. 
I am kindly asking for assistance to have the negative report remove from my credit history.

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 2016-04-29
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a response from Debt Recovery Solutions , LLC indicating that they would immediately remove the inaccurate information from my credit report. They had indicated that they needed an account number and identifying information. At the time, my monitoring service could not provide an account number. However, I now have the information and would like the issue to be completely settled. Thus, I received a response from XXXX XXXX. 
Here 's the account number # XXXX. 
Moreover, I have provided a scanned copy of the original complaint for your recollection, along with XXXX XXXX response to expedite the matter. 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 explanation
Consumer complaint received 2015-11-16
Company: SYNCHRONY FINANCIAL
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recently attempted to purchase an item on eBay. I tried to pay for the item using my PayPal Smart Connect which had a credit line much higher than what I was purchasing. PayPal would not allow me to pay because as I discovered in a later phone conversation with PayPal, the seller was not set up to accept PayPal Smart Connect. 

In discussions with both eBay and PayPal I was told they could not identify which sellers accept PayPal Smart Connect. In other words a buyer can not find this out until they are at the checkout and have already won the auction. The sellers also appear unable to tell if they can accept PayPal Smart Connect. ( I 've personally surveyed over XXXX so far ). 

I supposedly have a credit line of over {$1700.00} which PayPal supposedly wants me to use. What good is a credit line if I ca n't use it? I feel this at the least an unfair way of denying me a loan or deceptive practice and at worst fraudulent. None of PayPal 's Credit representatives could give me a straight answer and eBay ca n't help either. Meanwhile I 've been humiliated and a seller will needlessly have to re-list the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSWORLD SYSTEMS INC
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:
This is a formal complaint against Transworld System Inc located in XXXX XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld System Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX Balance : {$28000.00} US DEPT ED XXXX Balance : {$48000.00} DP OF EDUC XXXX Balance : {$28000.00} DP OF EDUC XXXX Balance : {$48000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The bank has refused the fees charged on my account from them. My account was charged return fees. Obviously, it is a bank error. The teller who helped me has n't stopped my check even though the payee portion of the check was missing. Due to the returned check, the bank locked my account until my request. Also, for the period in which I was locked out of my account, the payment was scheduled and retuned too. 
I am owed {$60.00} for fees charged incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in XXXX, 2015 I was checking the options to refinance my single family house mortgage of {$630000.00}. After watching the Quicken Loans TV advertising, I decided to find more information about my chances of refinancing. 
Since I begun checking the loan options with this company, starting XXXX XXXX, 2015, I was persuaded by their very persistent representative XXXX XXXX ( XXXXXXXXXXXX Phone : ( XXXX ) XXXX XXXX ), to send him my two years tax returns. After a day or two he called me back and told me that I 'm certainly qualified to begin the process. XX/XX/XXXX the process begun ( Loan : XXXX ), through which I was recklessly dragged for almost 4 months through several of QL associates, who tossed me blatantly from one to another, with repeated documents requests. They continued to extend the date for their decision, up until yesterday XXXX XXXX, after my repeated requests to find out about the loan application status, I received a totally ridiculous and irresponsible answer : QL could n't match a home loan with my current needs. 
Prior to this message, on the same day, I got another response to my question placed onMY QL online board on XXXX XXXX. The message was somewhat strange, but nevertheless different. The message notified me that all Jumbo Loans applications that were submitted after XXXX XXXX are being affected with new rules. I did n't understand how this could 've been related to me, since I begun the process XX/XX/XXXX. At the end of the same day I got an email from the same gentlemen, I begun the process with - XXXX XXXX, with the message of denial. Later I got a call from another rep with the same message, who did n't want to disclose the reasons for their decision, as well as did n't want to reveal the name of the underwriter to enable me to appeal their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Rocket Mortgage, LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB, Recently, my mortgage company increased my monthly payment by over XXXX dollars claiming a shortage in escrow funds based on their error in making double payments of my home insurance coverage and an increase in property tax 's. 
A ) On the home insurance claim, They have not been able to produce financial transaction data in order to show the " double payment '', and neither XXXX XXXX nor XXXX XXXX shows any double payment from them in their records. 
B ) My Annual property tax 's have not increased in 2 years and I shared these documents with them to verify. 
Included in the mortgage monthly increase is what they call a safe " pad '' which they have established in order to over-fund the escrow account, which apparently can be any number they wish. 
This is poor management of an escrow account at best, they have provided no evidence or justifications for this increase, and have " reminded '' me that if I do n't pay the new total my credit will be impacted and late fee 's will be added, which is basically extortion. 
Is this even legal? 
Are they trying to make me default on my obligations for some reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
company, S.P.S. mandating flood insurance but XXXX says I have valid XXXX letters. Insurance not required S.P.S. will not honor XXXX letters charging new escrow account will not respond to inquiry for information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the data last if the open date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S. C 1681 SECTON 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 account without my written instructions.

Also the credit bureaus took more then 30days to complete my investigation here is my certified mail tracking.

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 2020-03-26
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX  XXXX {$1000.00} US DEP ED XXXXXXXX {$1700.00} XXXX/XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a account with Citi bank that was supposed to pay a XXXX bonus.Ive jumped through all their hoops to qualify and called them at least 3 times. Case # 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 2022-12-14
Company: MoneyLion 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:
On XX/XX/XXXX, I received an alert on my experian credit report that a loan for XXXX dollars from a company called Money Lion had been taken out in my name. That day, I immediately locked my credit file, placed a fraud alert on my credit profile and filed a dispute with XXXX. The dispute number was XXXX. In early XXXX I was alerted that Money Lion stated the loan information was accurate and my dispute was denied. I called that day and filed a second " fraud '' dispute with experian, # XXXX. I was notified early this month that dispute was also denied. I also filed a report with the federal trade commission. The overdue balance has now reported to my credit and my score has dropped significantly. Please help..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company foreclosed on my home after Ifiled complaint by way of case # XXXX. After I filed acomplaint in XXXX, 2015, I still did not receive anycommunication from Nationstar Mortgage and theyforeclosed on my home without giving proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
in a letter dated XX/XX/2020 you state details of your Forbearance Plan yet it fails to in " bold lettering '' identify the commencement date of this document, i have written two letters to your COO in reference to the inadequate information Bayview is sending to the mortgages it is servicing and the COO has refused to respond in violation of the law. Please make your Senior staff including but not limited to Bayviews president, " new '' COO and CFO send a proper letter that complies with the law with the correct required detailed information, if this inadequate format is being used please resend the proper formatting to all the customers you are servicing. 
As of XX/XX/2020, approximately 20,000 residential borrowers were on an active forbearance plan out of the 152,353 residential mortgage you are servicing why are only 13 % of the borrowers allowed forbearance? Are you Bayview proceeding with foreclosures? Are you continuing to post fee to borrowers during this time? Since XXXX is no longer with you i advise you verify the aforementioned information notify management and take it as notice that you Bayview are not complying with the current forbearance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/2018 i send a XXXX dollar cash money from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ohio XXXX to my wife n son in XXXX for our fastival XXXX but .when i send that they give me tracking number and i give to that to my wife n she went to XXXX  store in XXXX  to take that out but they not give her after that i call consumer services number in united states but they say me some XXXX try to fraud n scams that n they declined that transaction.then refund me that money back but they say me me not allowed to send any more money from america to XXXX for anyone.i try next day from other stores but there also it show transitions not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom it may concerned, I am respectfully requesting help with a law firm/debt collector, Winn Law Group, in which I have recieved 2 letters threatning legal action if I did not contact them for a resolution. The last letter I recieved was XX/XX/2020, notifying me that they intend to enforce legal proceedings to obtain payment. I have tried numerous times to contact them by phone and email and have been unsuccessful. They have an email address of XXXX in which you will recieve an automatic reply that they do not respond to emails. If you call there phone number, ( XXXX ) XXXX, you will be directed to leave a message in which you will never recieve a call back. I had to do a web search to try and find any other possible way to communicate with the Winn Law Group and discovered a website of Winnlawgroup.com, in which you can submit an offer regarding your debt and I proceeded in submitting and completing that option, unfortunately I still have not heard anything back, nor did I recieve a confirmation that I submitted anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for COVID forbearance because I was not able to pay. I received Mortgage assistance. I dont know if the mortgage assistance was applied correctly because the second Principal balance still seems high. I am currently paying my mortgage on time. I am just concerned that Wells Fargo may have added additional unnecessary interest and fees that were not supposed to be added if I had the COVID Forbearance.

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 2015-07-12
Company: BB&T CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I filed necessary forms for a Deed In Lieu of foreclosure with BB & T loan number XXXX on XXXX XXXX, 2015 after condition of property being listed for 90 days was satisfied per their policy. i have had no response as to status and have left several voice mails with XXXX XXXX at BB & T for update with no response. 
She was the loan officer that advised me on my initial submission of requirement of listing the property 90 days prior to resubmitting the paperwork. 
I ha e also requested a copy of the entire loan file for investigation of why XXXX appraisals were ordered at my initial loan application. No response to that either!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX  XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX XXXX {$1000.00} US DEP ED XXXX {$1700.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX  XXXX {$0.00}

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