BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Called CitiCards on XX/XX//18 to request lower interest rate and consolidate all balances to the lower rate. Was approved and confirmed rate would be 13.49 % and ALL balances combined at that rate. 

In reviewing my XXXX statement, rate and balances were NOT reduced or combined as promised. 

Confirmed on XX/XX//18 by online Chat ( transcript available ) that account was " cured '' with rate and ALL balances combined at 13.49 %. 

After many documented Chat sessions and recorded voice calls, rate and consolidation was promised but never implemented. 

Also agreed that the difference in the interest rate, ~5 % and {$600.00}, would be credited back.

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 2019-05-22
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since I purchased my home in 2012, I have paid PMI. The value of my home has increased significantly and I am now currently around 67 % LTV which would qualify me to have my PMI removed. I called my mortgage company to get this started and the person on the other end of the phone told me he was sending me a packet in the mail to sign and return to get the reappraisal started. After not receiving it, i called and was then told that they can not remove the PMI. After much research, I CAN remove the PMI with a reappraisal but my mortgage company will not do this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have contacted Bank of Hawaii to defer payments for my Covid loan. I initially contacted them in XXXX, but was told I had to call back after my first payment was made. I contacted Bank of Hawaii XX/XX/XXXX to defer the loan. The agent told me I could choose to defer two months : XXXX or XXXX. I chose XXXX, he said ok, and called me back XX/XX/XXXX to confirm my choice. I confirmed XXXX due to my financial difficulties due the Covid shutdowns locally and nationally. 

Today, XX/XX/XXXX, a Bank of Hawaii Collections agent called me to confirm the paperwork for the deferral. In the paperwork, I am being charged a {$15.00} interest and late fee charge for my XXXX payment. I had paid my full minimum payment due for XXXX with the loan payment on XX/XX/XXXX. This payment was automatically deducted from my checking account. 

The bank reversed this payment XX/XX/XXXX, then charged a late fee and interest payment, referring my account to their collections department. When I refuted the late and interest payment with the Bank of Hawaii agent, she told me that this was all in the loan terms and I had agreed to it. I told her I had not seen the loan terms or agreed to the late payment. I am still being charged and have only four days over a three day weekend, receipt due XX/XX/XXXX ( a bank holiday ) for them to receive this paperwork and payment, which must be mailed, otherwise the deferral is void. 

This kind of thing needs to be stopped, especially when they are the ones handling covid funding granting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
They will not let me open account they do not tell me why

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 2015-10-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I 'm attempting to refinance my mortgage to pay off my first mortgage with XXXX XXXX and a Home Equity Loan with HSBC that I 've had for more than nine years. My broker has submitted XXXX different requests via fax to HSBC for pay-off, verification of mortgage and transaction history, starting on XXXX XXXX, 2015, and as of XXXX XXXX, 2015, we have not received the necessary documentation from HSBC for the underwriter to approve the loan. HSBC has not been responsive to me or my broker with the request for information about my loan with them. After more than one month of trying to get this information, I just talked XXXX XXXX XXXX/XXXX/2015 at XXXX XXXX XXXX at HSBC and she is telling me they are still researching. Her answer to my question of how long does it usually take to respond to these type of requests. " She said it normally took 30 days and it was pointed out that it had been more than 30 days. We have urged that this a time sensitive issue as we had planned a closing on the new loan within a month of the application, but it 's been more than a month since the original request for information went into HSBC and still getting the same answer that I received on my previous call to HSBC on XXXX/XXXX/15. The time frame indicated by the HSBC representative today and how long it has taken to respond to consumer 's needs is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: HYUNDAI CAPITAL AMERICA
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account balance is XXXX should be showing XXXX with all credit reporting agencies please update all of them to reflect the XXXX balance 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 2021-01-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have attempted for more than a dozen times over 30 days every available means to contact Coinbase only to be advised regarding my concern, complaint, I will be contacted. Password resets are not replied to, nothing happens. Their only last resort phone line is an auto-reply to lock your account. Coinbase has effectively closed all forms of direct communication and only accepts the complaints without any form of reply other than an auto answer acknowledgement. There is no direct communication available. With $ XXXX of dollars locked up, it is infuriating. 

Imagine a Bank where there is no Branch, no phones, no ability to access your funds, and no one to complain to? You have no cheques, no proof the deposit exists, and no insurance. Would you ever deposit your money in such an account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I subscribe to XXXX XXXX which is a joint venture of Trans Union and XXXX. 
I am presently applying for a refinance mortgage on my primary residence with a local lender. 
The lender asked me, " what is your credit score ''? I pulled XXXX XXXX ( screen shot provided ) from my smart phone and I responded " XXXX and XXXX - Trans Union and XXXX respectively ''. 
Lender pulls my credit and the scores are XXXX Trans Union a XXXX point difference and XXXX XXXX a XXXX point difference. 
These companies are misleading consumers with incorrect credit scores which in the end impacts the pricing on my mortgage. 
By the way, both the screen shot and credit pull was done the same day - XXXX XXXX, 2015. 
Requiring accurate credit scores to be reported to the consumer without large differences should be an absolute requirement of the credit bureau repositories.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS COMPANY LVNV FUNDING # XXXX IS TRYING TO COLLECT A DEBT FOR XXXX THEY DOUBLED THE DEBT. I HAD CREDIT CARD PROTECTION WITH XXXX. 
I ASKED THEM FOR THE PROOF I OWE THE DEBT THEY REFUSE TO PROVIDE PROOF AND STATED THE CASE WAS CLOSED. I DISPUTED WITH XXXX AND XXXX. UNFORTUNATELY XXXX WAS THE ONLY XXXX THAT DID A THOROUGH INVESTIGATION AND REMOVED LVNV FUNDING FROM MY REPORT. A FRAUDULENT SC. BUSINESS WITH MANY XXXX BARRED FROM DOING BUSINESS IN THE STATE OF MD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: WA
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 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  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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Pentagon Federal Credit Union on XX/XX/22. Prior to opening this online account, I submitted all of the requested information to verify my identity and establish worthiness of being issued an account. 

Since opening the account I have made a total or XXXX accounts ( unable to access account for reasons to be disclosed later ). On XX/XX/22, I made a mobile deposit of a check written from a reputable business/ my Attorney 's office and received the usual notification that there may be a usual and customary delay before gaining access to the funds. After that deposit, I attempted to take care of monthly financial obligations for which the account already had funds available. On XX/XX/22 I received notification from my mortgage company that there was an issue with my XXXX monthly payment. When I logged onto the mortgage company website for further details I was then informed that my account was blocked. 

Supposedly my account was blocked by PenFed on XX/XX/22 yet this institution has made no attempt to notify me. They have my phone number, email address as well as mailing address yet my first notification that there was an issue with my account came from my mortgage company. This is yet another example of the incompetency and discriminatory behavior of this company and its employees. 

I attempted to access my PenFed account and received a pop-up message that my account was blocked and contact information was provided for additional information. I contacted the phone number provided and was told that there was suspected fraudulent activity on my account ( what exact fraudulent activity is unknown to me and PenFed refusing to elaborate any further ) and as a result my account is blocked. I am now required to submit additional documentation to verify my identity ( once again for reasons undisclosed to me ) and I am not only denied access to the funds that were already available in my account but also the funds for the recent mobile check deposit. This has resulted in all of my funds for paying monthly financial obligations frozen with an unknown release date. In all of my years of dealing with the banking industry, I have never had an entire account frozen due to a mobile check deposit. At the very most, access to the funds related to the mobile deposit in question would be delayed by XXXX weeks at the most. I am unfairly being discriminated against due to reasons undisclosed. This has created an unforeseen financial hardship for my family in addition to unnecessary stress and in adverse effects on my health.

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 2018-06-23
Company: CORELOGIC 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:
I got hit with a hard inquiry on XX/XX/2018 from XXXX XXXX. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.

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 2020-08-20
Company: SUNCOAST CREDIT UNION
State: FL
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 have a loan with SUNCOAST CU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and SUNCOAST CU with no successful resolution. There was definitely an error on their part.

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 2021-01-15
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection XX/XX/XXXX on my credit report from a company IC SYSTEMS which claimed I owe {$210.00} to them from XXXX XXXX XXXX. I disputed this item XX/XX/XXXX informing XXXX credit bureau that this account was inaccurate this came back as verified through XXXX, which XXXX deleted as inaccurate on XX/XX/XXXX. XXXX came back as verified on XX/XX/XXXX. I then submitted a second letter asking for verification documents on my signature and contract. Once again came back as verified with no proof of such verification on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2021-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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: Problem with personal statement of dispute

Complaint:
this account is unknown to me, I have no knowledge of the account. I never recieved proof that the account belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent Mid Atlantic Finance Co. a request for validation of a debt on XX/XX/2020 and they received it on XX/XX/2020. This alleged debt was already paid for and I am yet to receive a response from this company in reference to my debt validation request letter pursuant to 15 USC 1692g ( a ) of the FDCPA. They have engaged in deceptive, illegal and abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Utah System of Higher Education
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The above options do not apply to my situation, so I just picked XXXX. Actually, they never call me! Which is part of the problem. In short, I try and make payments and they repeatedly send it back unpaid. I have successfully made XXXX payments since XX/XX/XXXX. They have now reported delinquent payments on my credit and are trying to force me into deferment. Making payments online does n't work and paying by phone does n't work now. I was told I need to call every month or sign up for automatic payment. I refuse to do automatic payments because I believe they are inept to handle it. I 'm never allowed to speak to a supervisor and they will not take care of the delinquency on my credit unless I agree to defer. Is there anything I can do?

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
Consumer complaint received 2015-08-03
Company: BROKER SOLUTIONS, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This sadly is the second time I am having to file a complaint to try to get insurance settlement money that is in escrow with this New American Funding sent to me. Our house burned down XX/XX/2014 and New American Funding has been managing the insurance settlement funds as I had a loan against the house that burned down. We had problems getting them to disperse these funds before and I was given a direct contact who was supposed to assist us with all future disbursements named XXXX but when I called to speak to him he was no longer with the company and I was told anyone could help me. I asked for a final inspection and it showed the house was complete. This inspection was completed on XX/XX/XXXX. I requested the final draw amount and sent the letter via fax and mail they required, which was a document stating the repairs were complete, signed by me. I spoke with XXXX XX/XX/XXXX and she reiterated all they needed was the signed statement that the repairs were completed the completed inspection and that they would then be able to disperse the final draw. I received a letter XX/XX/XXXX stating they also needed a copy of the final bill from my builder. This was a news to me and so frustrating. Why do they keep adding requirements and not telling me in advance? The final bill from the builder had not yet been generated as we had a few outstanding change orders for some small landscaping issues. Furthermore what difference does it make if I owe more or less than whats in escrow? If its less does that make me less entitled to the funds? If I owe more does that mean I ca n't have the funds to pay the builder a partial payment? I was so frustrated with New American Funding that we decided to refinance the house with another company and I knew we were closing on that loan on XX/XX/XXXX with it scheduled to be funded XX/XX/XXXX so I opted to not send any additional documents as once the house was refinanced New American Funding no longer has any financial interest in my house or insurance money and would have to release the insurance settlement money. The loan I had at XXXX XXXX XXXX was paid off by XXXX XXXX on XX/XX/XXXX. I called XX/XX/XXXX to confirm the funds were being sent and spoke to XXXX XXXX at the call center at around XXXX. He acknowledged that the loan was paid in full but that I had to send the final bill from my builder. I asked to speak to a supervisor was told they were not available after holding for about 20 mins, that it would be 48 hours before they could call back meaning Monday. XXXX then said they never even received a request for the final draw. I asked why they sent those forms and requests and he did n't seem to have an answer. He said he could resend the request but without the bill the file is not complete and the request would be denied.

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