BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my husband and i requested for a modification, the mortgage company gave us a bunch of run around for two years sending paper work back and fourth to here and there and over and over and over. They had us believing they was going to give us a modification and then denied us and gave us a bogus excuse that we was not qualified for a modification and tried to foreclose on us. my husband and I had to file chapter XXXX to keep our home because the lender lied to us.So now we have a mortgage payment and a plan payment because of the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX I sent Experian a copy of a police report I had to file due to identity theft XX/XX/XXXX. I was currently living at XXXX XXXX XXXX, XXXX, XXXX  XXXX. In XXXX I moved to XXXX XXXX, XXXX. I have been having problems every since identity theft has taken place. My name is obviously getting mixed up with someone else. I have had it with these third party agencies reporting what they like with no documentation to validate erroneous accounts that are reporting. The burden of proof in court will be on the collection agency or the creditor not the consumer. I have requested multiple times signed credit agreements which I have yet to receive from no one. I will be moving forward with legal actions once this last dispute is submitted. No consumer should never have to go through this at no time in their life. Bankruptcies do not verify nor do they report to experian and third party companies do not have full social security numbers. Bankruptcy do not give information to no third party companies NEVER! XXXX XXXX is a third party agency and do not have full social security numbers. Experian has not verified the bankruptcies because there is a FREEZE on XXXX XXXX file. I do have receipt of that too. I have attached documents that I sent to experian. Experian has informed me prior that they have not ever gotten any documents from CFPB. I hope these documents are forwarded to Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a negative Derogatory mark on my equafax credit saying I still owe this XXXX XXXX Opened XXXX XXXX 2014 {$89.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. 
Balance {$89.00} Highest Balance {$89.00} Opened XXXX XXXX 2014 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX I jave paid this the have bee notified my XXXX XXXX XXXX but it still remains they have be rude and still refused to remove from my report They also say that a investigation will take at least 30 days but probably 90 days I feel tat they are being unreasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 : XXXXXXXX XXXX  Account # 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 also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX  : Inquiry DateXXXX XXXX XXXX XXXX : Date-XXXX I applied for the wrong loans on accident.

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 2017-05-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Had a {$2500.00} credit limit and over night with no ch ange in credit score or missing payment or even a late payment ever, I had {$800.00} balance and they changed limit over night, and I have set it up to auto pay my bills. By doing this they have affected my credit score negatively in the most important way because it changes account balance/ to credit limit ratio. This is not fair and it happens all the time with banks of all kinds. They offer you credit and when you use it they lower credit limit to cause credit report to go down and then they can charge a higher rate of interest?

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 2015-03-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Credit card : Home Depot Consumer Credit Card I have enrolled in " Auto Pay '' and have authorized Home Depot to withdraw the statement 's balance due amount from my checking account on the due date. On XXXX XXXX, 2015, an Auto Payment was made as authorized. 
Later on XXXX XXXX a duplicate on line payment was of the same amount was withdrawn from my checking account. This was not authorized and the balance due had already been paid! 
The resulting double payment has reduced my checking account balance to a negative amount and has resulted in overdraft fees of {$58.00} and has left me with less than a XXXX balance of funds to pay bills. 
I called Home Depot customer service and spoke with a very nice representative that could see the two payments on my account but after speaking with the Home Depot Disputes department advised me that it will take up to 14 days to refund the the funds. I was requested to to get a copy of the " Bank Transmittal '' form and fax it to XXXX which is the " Existing Disputes '' Department. If I did this I was advised I may be able to get a refund as soon as 5 days. 
I discovered this error on a Friday afternoon. I have not been able to get the transmittal form over the weekend. Now it is going to take many more days to get a refund of my money that Home Depot fraudulently withdrew from my checking account. 
I have had to borrow money to pay the balance of my bills due XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: Winklevoss Exchange LLC
State: NJ
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 an active account with Gemini www.gemini.com. they have had the account for over a year and they always are able to withdraw from my XXXX account. Went to make a withdraw and surprisingly they are not compatible to send money to my XXXX account. Wrote to customer service and they provided a code for me to issue a wire to them. Called XXXX as i had never heard of a wire transfer to receive money. They agreed. An ACH Collections account could be provided, but i would need their banking routing and related information according to XXXX. They asked for my bank statement which i provided but makes no rational sense as well as my checking information to attempt to facilitate the withdraw. Provided my telephone number as they do not have one! HELP!!!! THESE PEOPLE SHOULD NOT BE IN BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with XXXX/Mr.Cooper which I have had for 21 years. On XX/XX/2020 a wind storm wreaked havoc on my property and extensive damage was done which included destruction of a storage shed, roof damage as well as battering of other structures. A claim was filed to the insurance company and they responded by submitting to me and my spouse a check in the amount of {$18000.00} ( after deductible ) for repairs which will only cover a portion the damage. More claims may need to be filed. When we attempted to deposit the check into our account at XXXX  XXXX XXXX, they in turn informed us that we needed the signature of XXXX  as well which we were unaware but certainly understood. I spoke to the director of customer service at Nationstar after submitted the check to them and she informed me that since the check was for less than {$20000.00} the payment for all repairs would be unmonitored and that my spouse and I could independently pay for the repairs by the contractors upon completion of the services offered. However, on XX/XX/2020 I phoned My Cooper/XXXX and I was informed that the process would be monitored due not receiving mortgage payment for the month XXXX when the claim was filed ( XX/XX/2020 ) The status of the account was not delinquent but I made a payments after discussing the matter with them and the account is current. They seem to be unwilling to remove the monitored status from the management of the funds that must be used to restore my roof before storm season, replace screen over my pool deck and replace the shed. Again, it will probably cost me additional funds to restore my home to pre-storm status and I have been unable to find a legitimate roofing company that will agree to do the work then wait for a check from the bank. Additionally, we have already had two heavy rain storms since this claim was filed and presumably more roof damages. If water damage occurs, the insurance is not obligated to pay for any claims. If the roof collapses and causes harm to my family members, I will use legal means to hold this bank accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have held a mortgage against my house since XXXX 1994. I have NEVER been late. 
A payment was scheduled for XXXX, but apparently it did not go through. I do not understand, and was unaware that the payment did not go through until I began to receive letters from Citibank/Citimortgage that they had notified the credit bureau 's that I was in default. I called the bank, and informed them that I would schedule a payment with my bank immediately. The rep wanted me to send it over my phone, I refused, he kept right on trying to get me to send a payment over my phone. In addition, he tried to put words in my mouth stating that I had forgot. I did NOT forget to sent the payment. I am a XXXX year old XXXX female veteran. Was he making fun of me? I tried to get customer service to allow me to view my account online, but was told that I had not linked my mortgage to whatever. I have not been able to view my account online for over 3 years despite all I do with citibank to make this happen. I only have XXXX mortgage, only XXXX product with citibank, so I do not know what this person was talking about. I was sold to citibank. I did not choose them. The XXXX payment was received on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have previsouly filed this complaint, but the company has failed to address my concerns. I deposited a check into the Discover Bank on XX/XX/2018 for XXXX. On XX/XX/2018 the funds were withdrawn from my account. The reason I was given was that I had deposited the same check at XXXX XXXX XXXX on XX/XX/2018. I checked at XXXX XXXX  and they have no record of it being deposited. When I told them that I did not even use XXXX  XXXX, but banked at XXXX XXXX, Discover told me to check my other account at XXXX XXXX. I did. No records of a deposit. I have asked them 4 times for a copy of the notice they claim to have received about this matter on XX/XX/2018 so that I can research it further. THEY REPEATEDLY FAIL TO PROVIDE ME WITH THE DOCUMENTATION THAT THEY USED TO TAKE MY MONEY. I have written to the CEO of Discover as well as several people at the " Executive Office of Consumer Advocacy ''. I am just looking for Discover to provide the  documentation which they claimed to have received. To date my money has been missing and the last place it was seen was Discover. From my point of view, Discover has stolen my money, unless they can show me who told them that the money was deposited elsewhere, so that I can pursue that lead. My next step is the Attorney General 's office if I can not get a simple piece of paper from Discover. I think they are covering their tracks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i been paying all my car payments on time and the app they have been messing up but still showed up as paid on my end. i call and told them the payment on XXXX went through but said i had to file a complaint. im stressing that I immediately want the payment information corrected and want it to show XXXX payments for all months and to contact me if anything show up late so i can clear it up. This drastically hurting my credit and want it to be correct ASAP.!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below are the inaccurate accounts on my credit report : Late Payment XXXXXXXX XXXX XXXXXXXX # XXXX Collection XXXX XXXX XXXXXXXX # 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 2020-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Didn't receive promotion special interest rate

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 2020-03-23
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had a streamline refi on XX/XX/2019 for my mortgage with Freedom Mortgage. XXXX XXXX, from XXXX  XXXX came to my house & we signed the paperwork. I was told NOT to pay XXXX 's mortgage, but give them $ XXXX, at time of settlement for the new loan. The loan was supposed to disperse on XX/XX/2019 and to date, XX/XX/2019, the title company has not received the dispersement. 
# 1. My mortgage is now past the 15day grace period. 
# 2. When I spoke to XXXX /Freedom Mortgage on XX/XX/2019 he said that it should go out on the XXXX wire, or the next day on the XXXX wire. I called him Friday to find out what is going on, but haven't heard back from him & I feel he is obviously giving me the run around and has no intention of following through with my loan. 

This all started back in XX/XX/2019 when I electronically signed refi paperwork. The loan amt was {$210.00}, int. rate 3.625 %, monthly principal & Interest {$1000.00}. with Mortgage Ins. of {$130.00} p/month and estimated escrow of {$230.00} p/month, the new Estimated Monthly Payment would be {$1300.00}. Which they never honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had water damage at my house. The insurance company did not pay on my claim but I sued them and won. The insurance company made the check out to me and my mortgage servicing company. The funds, over {$33000.00}, are sitting in my escrow account and have been for 3 months. The mortgage servicing company refuses to release the fund, requiring documents that I do n't have or that were never in existence because this is not a typical insurance claim but the proceeds of a law suit. They also continue to request documents I 've sent electronically and via regular mail. In one call the admit receipt of a form, in the next call they demand a copy of the the same form claiming they never got it. I 've made over dirty calls and they continue to ask for things not relaxant to my case ( they want documents from the insurance company that I can not get because they are attorney client work product. I need my money to pay back the loans I took to fix the house. I need a real pathway to get my funds, not new hoops to jump through every time I call for months on end.

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 2020-03-23
Company: DISCOVER BANK
State: FL
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'm in the process of buying a home and Discover closed my credit card account for inactivity. No warning, NOTHING! I last used the card in XX/XX/XXXX. It has been less than a year and they just up and close the account. I get an email on XX/XX/XXXX at XXXX XXXX   EST ( how ironic that I would receive the email the same day I received my appraisal ) advising that my account would be closed for inactivity. Other credit card companies send prior notification. Maybe Discover should follow the same practices. I have never been late on a payment. Now my chances of becoming a homeowner may have been ruined due to Discover 's lack of communication. This is not right at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
To Whom this May Concern : I'm following up on a previous complaint. XXXX and XXXX ( duplicate ). 

A representative, XXXX XXXX, A Resolution Specialist at Regulatory Complaints Bank of America, XXXX, extension XXXX, contacted me on Friday, XX/XX/XXXX at XXXX XXXX. I was unable to take the call at that time, therefore called him the next business day, Monday XXXX shortly after noon EST and left a message. After a week, he still has not returned my call. 

{$7700.00} was drafted from my account due to a bank error. It's been over 10 days and the transaction error has not been corrected. This money needs to be returned to my account immediately. 

Sincerely, 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 monetary relief
Consumer complaint received 2015-10-20
Company: CITIBANK, N.A.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
- i opened an checking and savings account with citibank about 9 years ago and the accounts had no fees associated with it.i moved my family to XXXX Tn about 6 years ago and citibank has no branch in the area. For the past 9 months citi has refused to send me my bank statement. I called them today today to find out why.Coming to find out, Citibank has changed the disclosures without my consent and secretly been deducting $ XXXX/ month from my account without my knowledge. I 'm suspecting that they unethically and secretly remove the protections on my account and changed the disclosures etc. To cover up their unethical steal of my hard earned money, the refused to mail me my bank statements, so that i could not see them steal my moneyThey have been stealing my money secretly. i

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account in XXXX 2015 with a XXXX Aadvantage miles offer attached and met all requirements. I was informed via chat with XXXX on XXXX XXXX that I had indeed met those requirements and points should post within 90 days. I am providing a copy of that chat. A follow-up phone call on XXXX XXXX with XXXX also confirmed that points should post by XXXX XXXX. Now Citi is refusing to award the points and charging me {$30.00} per month while we dispute this. My appeals were denied. The secured message ( SM ) on their website has not worked for me in weeks and despite my notifying them of this nothing has changed. I finally faxed a copy of the chat to them and have received no response. I have done all that I can to get Citi to honor their commitment and I hope that this agency can assist me in getting the bonus I earned and a refund on the monthly fee ( s ) that I am being charged while this drags out. 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 non-monetary relief