BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-04
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold Checking Account under a promotional code that would give me XXXX XXXX XXXX miles once I completed the requirements. Citibank accepted my application so I began using the account. Once I completed the requirements for the promotion, I sent Citibank a secure message in their internal system to confirm I met the requirements. They responded that I did and should expect my miles deposited by XXXX/XXXX/16. We are past this date and I have still not received the miles in my account. I reached out to Citibank and they told me they are not going to award me the miles saying " I was not targeted for the promotion and they will open a separate investigation with no timeline on a response ''. The problem with this is, they accepted my application with the promotion and their customer service representative confirmed I met the requirements.

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 2016-04-07
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX my property address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. Servicing Lender is BSI Financial Services. My loan number is XXXX. I am writing because I was approved for a trial modification and was supposed to make three trial payments commencing in XXXX XXXX, XXXX my last payment being in XXXX 2015. I have now completed all my payments and have yet to receive the permanent modification. My representative assigned to my case is XXXX XXXX phone number XXXX ext XXXX however, I have left him numerous messages and he is never available and never returns my calls. I have called their attorney and they have advised me that they do not know why I have n't received the permanent modification. I have continued to make my monthly payments however, I am concerned as I am still in foreclosure and the bank does not complete my modification nor give me a valid reason why it is still pending.

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 2022-11-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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

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 2021-08-01
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2021 Identity Theft XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX posted to the Credit Bureau XXXX XXXX XXXX that I was in arrears on paying my XXXX XXXX XXXX XXXX XXXX bill in the amount of {$1100.00}. I do not have, nor never had an XXXX XXXX XXXX cell phone. 

XX/XX/2021 XXXX XXXX XXXX XXXX service provided by XXXX XXXX sent me an account XXXX that a Derogatory Item was posted to my credit report. 

XX/XX/2021 Contacted : ( XXXX ) XXXX XXXX XXXX to get the following information regarding the Alert : - Collection Agency : Credence Resource Management - Payment Due : {$1100.00} - Original Vendor : XXXX XXXX XXXX XXXX ( XXXX ) Spoke with Credence Resource Management and was provided the following additional information regarding the account in collection : - Account Opened : XX/XX/2021 - Account # : XXXX - Cell Phone # : ( XXXX ) XXXX - Home Address on File : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX ) Spoke with XXXX XXXX XXXX XXXX XXXX : Upon request from XXXX XXXX XXXX completed their online fraud investigation form ( XXXX ) XXXX XXXX XXXX Police in order to get a Police report generated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted XXXX XXXX XXXX XXXX and they agreed to have both account removed from my Experian Credit Report. I fax the XXXX page letters to Experian onXX/XX/2016 at XXXX. I reached out to one of the Representatives from Experian and she assured me that this will be taken care of within 3 business days. I checked my Experian report today and these accounts are still remain on the 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 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report shows I have an outstanding debt to XXXX XXXX. This debt was paid in XXXX. According to them on XXXX XXXX they updated that it was payed. It is now XXXX and my credit report shows the debt still unpaid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: NCB Management Services Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Please submit copies of the legal notifications and documentation of the subject vehicle 's selling commercially acceptable. 

If no proof of a deficit is produced within 14 days of receiving this notification, the purported claim of a deficiency will be void, and any further collection efforts or reporting of this invalid claim on my credit reports would be considered a violation of the FDCPA and FCRA. 

In addition, if you can not comply with the requirements above individually or collectively, I retain the right to pursue damages from all parties under all applicable State and Federal legislation and UCC - 9 remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly, I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$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 non-monetary relief
Consumer complaint received 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
After my attorney sent them a letter of representation, they continued to send at least XXXX collection letters to me, in violation of state law. They also failed to respond to a letter from our state 's Department of Consumer Affairs, which was an attempt to resolve these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: MUTUAL OF OMAHA MORTGAGE, LLC
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: Report provided to employer without your written authorization

Complaint:
I was shopping line for information about HELOC 's. I specifically was only looking for rates and terms regarding lines of credit. I did fill out a couple of inquiry forms but never was made aware of permission for a hard credit pull. In fact, was aware when it was stated that the inquiry would not affect credit. XXXX XXXX from Mutual of Omaha called and called, texted and emailed. I engaged in emails asking and answering questions. Never did I give express permission to pull credit. In fact, I quickly realized she was trying to sell me a mortgage which is not what I inquired about at all. I told her in more than one email I would only proceed " if '' and then was clear I wouldn't be proceeding. The next day I got a notification from a credit monitoring service my credit had just been pulled. This warning is always immediate so it was pulled a day after a very clear NO. I emailed asking her to reverse it and referenced the times I was clear about not proceeding. She ignored. I called and got no response. She was too aggressive and moved forward without appropriate permission. My application is still in a status requesting an " econsent ''. It was never given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: First Technology Federal Credit Union
State: SC
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:
On XX/XX/XXXX XXXX I checked my Credit Report on Credit Karma and I found that there was an unauthorized hard inquiry on my XXXX Credit Report. The company was XXXX XXXX XXXX XXXX XXXX from someone checking my credit report to proceed with a loan from this company. I did not authorize a check on my credit to get a loan from this company. I have not reached out to this company yet but I will to let them know that this is fraudulent activity

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 2015-08-13
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX on XXXX XXXX flight XXXX from XXXX to XXXX ( XXXX ) we were offered a " special offer '' to earn XXXX bonus XXXX bonus miles if we openedup a Citi / XXXX. I filled out the form and gave it back to the flight attendant. After a month on XXXX XXXX, I called Citi on to see what happened to myapplication. An employee and manager confirmed that they never received my application. This is very troubling because the application contained my social security number, and other personal information. Citi said that legally all applications must be processed within a month. They told me to contact XXXX XXXX. XXXX told me that I needed to file a complaint online which I did. My Report : XXXX ( XXXX ) was answered today saying that, " We forward all applications directly to Citibank for them to process and they would be the ones investigating the status of your application. '' Now I do not know who to contact next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-11-16
Company: Williams & Fudge, Inc
State: ME
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collector has not been able to properly identify with me through written communication the validity of this debt. In addition, attempts to collect this are invalid because this was sent over by a school Ive been to that incorrectly billed me instead of the XXXX amount I had. In addition, the creditor refuses to acknowledge any information I have sent to them regarding this matter and will only correspond via email. I have received no letters, mail, or calls from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Its a derogatory account on my credit report name XXXX XXXX stating that I owe {$130.00} in collections which is incorrect because my account is still active and open with XXXX  who illegally sold my information as debt when it is not debt and no balance is owed because my account is still active and open!!!

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 2016-03-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
Citibank offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from Citibank notifiying me of my current score which was obtained from XXXX. 
According to Citibank as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against XXXX in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from XXXX and it stated my current score was XXXX. I tried to reach out to Citibank and XXXX to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date Citibank has refused to look into the matter and provide a response or corrective action.

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 2016-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. XXXX XXXX had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please delete the late payment from this account : 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 non-monetary relief
Consumer complaint received 2021-11-23
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had XXXX  and was laid off. I applied and received the cares act to pay my mortgage for XXXX  months. The cares act sent in XXXX checks to shellpoint / Newrez who has cashed the checks. The first check was sent end of XXXX. Shellpoint cashed it XX/XX/XXXX. These checks have not been posted to my account. I have been calling weekly trying to get assistant. They tell me they see the checks but has not posted to my account. The cares act office and I got on the phone, spent a hour faxing all the information over and now they are saying we have to do this again. If I do this again, it will be with an attorney. This is just ridiculous

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: SECURITY FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This account was paid in full since XXXX 2015. They have yet to update it as paid in full and closed to the credit bureaus. The late payments are also incorrect. I have been on time with payments since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Based on the PMI clause, borrower can request the loan to value ratio reaches 80 %. Also, PMI clause states that Loan to value ratio reaches 78 %, PMI can be automatically removed. 

The company conducted the appraisal of my home and told me that my current Loan to Value ratio is 76 %, but the company denied to remove PMI. The requirement is 75 %. 

But the PMI clause that I signed has no requirement of 75 % at all. 

The company must remove PMI immediately based on the PMI clause.

Company response to consumer: Closed with explanation