BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-22
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made an agreement with Macy 's, back in XX/XX/XXXX, to keep a couch that the material was defective, and they would give me a credit of {$550.00}. This appeared on my credit card statement, but on XX/XX/XXXX, I received a check for this amount under my husband 's name. My husband passed away on XX/XX/XXXX, therefore I could not cash the check due to the fact that I no longer had a checking account with him. I called Macy 's and was told that the account was joint and that I was entitled to a new check. That is when the trouble started! They credited my Macy 's credit card with the {$550.00}, on XX/XX/XXXX. The next statement I received it showed that I owed {$550.00}. I have spoken to multiple people even sent multiple certified letters to the Citibank, which is the bank that issued the credit card. A year later I still have not been able to resolve this issue. I just spoke to someone at the Citibank office and was told there was a resolution and it went to the banks side, I asked what does that mean? I was told that I owe that money! I was never contacted about this so called " RESOLUTION '' I am at the end of my rope I ca n't speak to anyone that knows anything. And at this point I do n't want the money, I want this issue cleared and close my account with Macy 's. I have an excellent credit score and this is not helping me. I need for someone to please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19
Company: MUSA Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX, I contacted Musa Auto Finance to break the lease of a XXXX XXXX XXXX that was leased due to my then ex-wife and I moving to XXXX under her military orders. I spoke with XXXX XXXX as can be noted in the emails. She was going to check with the legal department and get back to me about coverage under the SCRA for spouses. She sent me paperwork but I did not sign the voluntary surrender agreement form to be held responsible for the balance as can be noted in the second email. XXXX XXXX was going to get back to me about coverage and if not, the vehicle would be returned to me and the lease to continue which was not a problem. Instead, after my return to XXXX to settle affairs, we made agreements for the vehicle to be picked up without the responsibility form being signed as the legal team was still " looking into it. '' On XX/XX/XXXX she contacted me saying they needed to pick up the vehicle and I asked them that if I could have the option of having the vehicle back if they found out I was not covered. She said yes and we scheduled pickup of the vehicle mind you as the last payment had been made on XX/XX/XXXX. XXXX XXXX- I called her and XXXX in XXXX and XXXX and they assured me the vehicle had been sold ( XXXX said XXXX, paperwork on their end says XXXX but the bill of Sale says XXXX ) and there was no balance. XX/XX/XXXX- They started sending balance delinquency paperwork and even reported collection on credit report. Had it disputed/removed. On XX/XX/XXXX, I contacted MUSA 's billing department and they stated there was a deficiency letter dated XX/XX/XXXX. In this email, they note their notes from XX/XX/XXXX to XX/XX/XXXX were of me being advised of not being covered under the SCRA but yet the bill of sale attached is dated for XX/XX/XXXX. That email, outlines the dates and facts I provided to them to have someone hirer up respond but never did. I have since then filed a XXXX complaint against the new company name of XXXX XXXX ( Case # XXXX ) in which they responded that the account had been sold to a collector, ( XXXX XXXX XXXX, XXXX XXXX, TX ) who I also opened a XXXX complaint ( Complaint ID # XXXX ) and they removed the account only to reinstate it after 2 weeks. Attached are the emails between myself and XXXX XXXX on behalf of Musa Auto finance, the call logs spanning from XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  complaints including the responses from both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our current loan is with PennyMac. We were in the process of refinancing with XXXX XXXX, but we reached out to PennyMac to see if we could get a lower rate by staying with them. PennyMac agreed that they would be able to lower the rate and keep us as customers. We then cancelled the process with XXXX XXXX XXXX. We submitted all documents to Penny Mac the next day. On XXXX XXXX, I received an email from XXXX XXXX ( underwriter for PennyMac ) stating that our loan was approved and I would be receiving my closing documents to e-sign within 48 hours. On XX/XX/XXXX, I received an email from XXXX XXXX ( underwriter for PennyMac ) stating that my closing documents were available to sign. I then signed all the documents to move forward with the refinancing and closing. On XX/XX/XXXX, I received an email from XXXX XXXX stating its time to close. This email stated the appointment date of XX/XX/XXXX @ XXXX to sign the closing documents. We signed the documents on XX/XX/XXXX @ XXXX. On XXXX XXXX, I received a phone call from PennyMac regarding my loan stating that I am two months behind on my loan for XX/XX/XXXX and XX/XX/XXXX. I signed documents on XX/XX/XXXX stating that I will not have any payments due until XX/XX/XXXX. I called XXXX on XX/XX/XXXX inquiring about this and he advised the loan did not go through and I am now two months behind on my mortgage. I was NOT notified of any changes in the loan via email or phone. My credit has taken a huge hit because of this. Now I am in a bind with my mortgage and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a request to investigate personal information as well as accounts I did not recognize on my XXXX  report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: GA
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:
It is not my job to hold you accountable to the Fair Credit Reporting Act however, it is my duty to make sure my consumer report is equitable to me. After reviewing an online IRS publication I came across their definition of a charge off. Your credit reporting agency continues to claim accounts are verified on my consumer report however these accounts are reporting as a charge off. A charge off is defined as income by the IRS and INCOME IS NOT INCLUDED ON ANY CONSUMER REPORT. This makes your reporting of these accounts inaccurate. Delete the following accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original loan was sold to New Rez and after the mandatory 5 year payment of mortgage insurance I called to have the MI dropped. I have asked multiple times to have a list of approved appraisal companys and have not received anything. On XX/XX/21 I received a letter stating my principal balance must be {$210000.00} before the MI is dropped. My principal balance is now {$210000.00} and yet they will need 60 days to review to see if Im eligible to drop the MI. After speaking with a manager ( XXXX XXXX ) he tells me they can do nothing and I will continue to have to pay the MI until it is review and I will not be refunded the MI over payment. It is a 60 day review process. Multiple people have stated Im not at the required percentage but NO one can provide a number. No one can give us an answer. This has been a 9 year battle!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2017-08-22
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Weber and Olcese has sued me without providing any information to me. The only notification I got was from the court saying I was being sued. The debt was owed to XXXX XXXX XXXX for a credit card I struggled to pay. The amount was over {$2500.00}. I immediately called them to talk to them and find out more about what was going on. I set up a payment plan and began to pay. I ran into a hardship and was unable to pay one month and they immediately went to the court to get an order to garnish my bank account, both checking and savings. They stole over {$2000.00} in my student loan money without notice. From what I 've read, that in itself is illegal, to take federal student loan money. They blamed the bank for the amount of money they took and said it was up to them. I checked this with the bank and they vehemently denied that and said that they were only doing what the court order said. They refused to release the funds back to me and continued on their business. I once again set up a payment plan. This time I had learned a lesson and was faithful to my payment plan. The agreement was to pay {$50.00} every month at the end of the month. I did so, yet after I made my second payment to them, they garnished my bank accounts once again. I was told that once I made an agreement to pay monthly installments, this would n't happen. Needless to say, I am beyond furious because this is the second time they have taken every penny from me and left me without rent money, jeopardizing my housing situation. I believe this is poor conduct and probably illegal. I called them after finding out about them draining my account and they would n't talk to me about why this has happened. They say there was no payment agreement in place but I explicitly remember having a conversation with XXXX XXXX. He failed to put that in place or to even make a notation on my account to indicate such an arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Capital One will charge interest for two months in a row if the full balance including new charges isnt paid in full. This was done on two statements and stated by the representative I spoke with.

I thought that was prohibited based on 2009 legislation : Double Cycle Billing and Other Fees Are Prohibited Two cycle, or double cycle, billing ( the practice of calculating interest charges on both the current balance and the previous months balance ) is banned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
A month ago, I contacted Trans Union to investigate a debt of {$6000.00} that appears on my credit report that does not belong to me. The debt is with XXXX XXXX XXXX in Illinois I do not know about this institution, since at least in Puerto Rico I have not seen. 

The first time I heard about this debt, it was 2 years ago that I bought a vehicle and the debt appeared in the credit report but approximately {$700.00} at that time. At that time I sent an email to the XXXX XXXX XXXX   and and they answered an email that they were going to investigate and I did not do anything else because nobody told me what I should do. 

Last month I went to the bank to apply for a personal loan and when they looked for my credit report, the debt had grown to {$6000.00} aproximately!!!. 

I am totally devastated because I am an honest person and my payment history with the institutions in which I have an account is excellent and I have never paid late. Probably someone stole my identity I live in Puerto Rico and have never had contact with XXXX XXXX XXXX. I need you to investigate if there is another person with my same name.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2021-06-24
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I used the mobile app to lock my XXXX  XXXX credit card. Now my account and or credit is frozen. And no matter how many times I call them they say its unfrozen but all the returned denials come from my account being frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion didn't send me Mov ... They told me they got my information from the court that was a lie. I have Call and sent letter of proof. I ask them for proper documentation ( Mov ) call them. Call many times to delete my information. They didn't do everything the correct way. I call and check myself.

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 2022-01-19
Company: Coinbase, Inc.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I got a new phone and had to re-authenticate myself on Coinbase.com. I uploaded my driver 's license as asked and also took a picture of myself. I submitted on XX/XX/XXXX. They promised to give me access within 48 hours. 

My case # is Case # XXXX. 

It is XXXX XXXX, 12 days have passed. I have repeatedly called, XXXX messaged, and emailed Coinbase for help. Everyone keeps saying " they are working on it. '' I need access to my account. Please help me. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: CT
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:
I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan in XX/XX/2019.

The 3 companies are : XXXX/XXXX  XXXX, OR XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019 XXXX  XXXX, FL XXXX ( XXXX  ) XXXX-XXXX   XX/XX/2019 XXXX  XXXX, TX XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019

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 2018-09-14
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX claims they tried to call me regarding the matter. I have call them several times and ever time I call them they claim only 1 person can resolve the issue. I have proof 1 week I call them call after call the same response regarding the issue. They claim they call me. I work 12-14 hours shift at the XXXX and can not talk while at work XXXX XXXX call me 1 night at XXXX XXXX in which is to late considering I was at work. They had all day to call. There is nothing but games with them and there practices 1 person can take a payment or settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSWORLD SYSTEMS INC
State: TX
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/2020, the company TransWorld Systems opened a collection in the amount of {$540.00}. The account number is ( Account # XXXX ) I have never signed any written or electronic documents saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this alleged debt to this alleged company. 
Please have this removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation