BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2020, I contacted Macy 's at XXXX and requested to add my daughter XXXX XXXX on my credit card as an authorized user. They requested her full name, date of birth, social security number and home address, in which was provided by me. I instructed them to only send the credit card to my home address. 

On XX/XX/2020, XXXX informed me that the information was not reported on her credit report and I had not received the credit card. So I chatted online with Macys representative to discuss the issue. And Macys representative called me on my mobile at XXXX, according to the time stamp on my phone. 

Representative told me to call XXXX, I did only to be transferred three time. Basically, I am trying to figure out the reason for requesting my daughter personal information and not report it on the credit bureau? and the reason for such data? 

Macys representative told me to call XXXX then they told me to call XXXX. Everyone keeps blaming the other and then stated the information is not in the system, or the credit bureau should had reported. This ordeal with Macys started at XXXX til XXXX with no resolution. 

Called XXXX  on XX/XX/2020 at XXXX, no human came to the phone to address this issue, called XXXX  other number at XXXX, they redirected me back to XXXX. 

These interactions are done out of this country. How are they allowed to break regulations in United States by obtaining our private information such as social security number, date of birth and home address and possess absolutely NO accountability. 

Could someone please uncover the reason Macys representative from another country obtained my daughter personal information and didn't report activity on her credit report? What was the reason for collection sensitive HIPAA data?

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 2015-06-11
Company: Knight Adjustment Bureau
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not known to me. XX/XX/XXXX I was a victim of identity theft this account was opened fraudulently. I complained to XXXX XXXX credit bureau XX/XX/XXXX that I wish to place a dispute with this company and requested that full. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Four Directions Lending LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
West side lending a website lists an email for customer support that is not a valid email. They have a live chat option however no one responds to your chat. I have contacted this companys phone number numerous of times over the past 9 days at 2 different phone numbers listed on their website and each time I call I am unable to speak with a representative and have to leave a message. Today is day 10 and I am still unable to contact this company regarding postponing a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cleared a debt that was owed to another apartment rental company that my brother and i stayed at, i had a dispute with that apartment company because they had a cleaning bill i did not believe i owed, but i have paid that bill, as it was only 300 or so dollars, but upon further inspection, the rep whom took my payment for that previous balance owed, noticed something else on there, something for another apartment complex that my brother stayed at, i did not stay there, my brother did and because he was on my account with the previous apartments we stayed at together, i assume they just thought they could just put this on me now that my brother is deceased.

i contacted XXXX XXXX XXXX on XX/XX/2018 in regards to this, the stated they sent IQ data information regards to getting this taken off my credit report, XXXX XXXX  sent information to IQ data to have this removed and i got a letter from XXXX XXXX to show other apartments to let other places know that i do not owe a balance at XXXX XXXX no one is telling me how long this process takes, as it only seemed to take 5 min to attach this debt to my name, it should take just as long to have it removed in my opinion because before i paid my previous debt this was not even attached to my name.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21
Company: PNC Bank N.A.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan has been sold to this company. Since then it had been a complete nightmare and is starting to ruin my life. As soon as their system was set up to make automatic paynents, I signed up. Regardless of this I have gotten collection call. I have NEVER paid even a day late. Today I got a notice from them in the mail staying my XXXX payment has not been paid. I have also gotten call after call for as they put it " welcoming me to the company ''. I want to be left alone!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-04-26
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On or about XXXX/XXXX/15 PNC Bank charged our account an overdraft fee when there was ample money available to cover the check in question. I was told that a " debit transaction '' was on " hold '' and that was the reason for this particular charge. I would think that a " debit transaction '' would post quicker than a check payment and automatically withdrawn from the available funds. Eventually that is not the case with this bank. This action plus the fact that PNC Bank continued to add additional fees basically making it impossible to get caught up. They would continue to redeposit checks over and over and now they are claiming our account is negative - {$430.00}. We received a letter from them dated XXXX/XXXX/15 stating that we are going to be reported to XXXX. The fees they are seeking are due to there handling ( holding debits ) against the account causing checks to bounce is intentional and a way for the Bank to take a persons hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Experian Information Solutions Inc.
State: IN
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:
EXPERIAN MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see XXXX letter )

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 2022-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Told them not to call me about this debt with XXXX XXXX. 


I would like to know the status of account and time barrier status. I would a letter on company letterhead regards to this and upload document here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My wife and I recently bought a house ; the escrow company we used was suppose to pay XXXX of my credit cards, XXXX with XXXX XXXX which was covered right away within the month the XXXX XXXX was with Wells Fargo which as of today has not been paid. They have me going back and forth with Wells Fargo and the closing escrow officer. Wells Fargo tells me the check was rejected while the escrow closing officer states the funds have been withdrawn, that the check was cashed by Wells Fargo on XXXX/XXXX/2015. Im still paying interest on that credit card and yet no one can tell me where that money is to pay off the credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Better.com advertises a {$100.00} rate match guarantee. They state that if they match another competitor 's rate within one business day of a loan estimate, they will credit you {$100.00} or give you {$100.00} if they can't beat it. The exact wording found at https : //better.com/faq/better-guarantee/whats-the-better-price-guarantee is as follows : " What's the Better Price Guarantee? 

We'll match any valid competitor 's offer, and credit you an extra {$100.00}. If we can't, the {$100.00} is yours to keep. 

If you think another lender has a more competitive price, just send us their loan estimate within one business day from the date it was issued. Well either do better by at least {$100.00}, or send that {$100.00} to you ; you win either way. '' I followed the process and was in contact with a XXXX XXXX who answered my initial email sent to XXXX. She tied in a representative at XXXX, who said that they were unable to beat the rate I was quoted by XXXX within the one business day requirement. After being unable to match the rate, I've replied numerous times inquiring about what my next step is to claim the {$100.00} to XXXX, address to the original XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: VANGUARD FUNDING LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Vanguard  will not release information on an account that I had set up with them years ago based on the fact that I do not remember the email address used on the account. I have verified that I have the correct Social Security number, the address used on the account and the name.  One  confusing factor here is that I am a  XXXX  but the account  may  not have that suffix attached to it.      Vanguard  has stated that since I can not remember the email address they will not give me information on my account. I honestly can not remember the email address used. Also since I no longer live at the address in question I have no way of getting statements that are supposed to come to me.     This is a problem since I can not get the account number so I can not update the account. All of this because I can not remember the email. The social security number is correct and is a more important detail.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just went through construction on my home and the bank uses a computer assisted rate to estimate my new tax amount which is over {$10000.00} off. I have called my tax department to verify my new tax rate but they can not give me anything in writing until the new rates are set but have assured me that it will not be over {$11000.00}. The bank says it will be over {$22000.00} based on their computer automated system. This is causing me be have to pay over {$1000.00} extra every month into my escrow account which is a huge financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Moss Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
None of your examples fit my inquiry so I just tried to choose something similar. I was sued like many individuals for an alleged credit card debt and received an ABSTRACT JUDGMENT I in XXXX 2011 by XXXX via attorney XXXX XXXX XXXX. In Texas a Homestead is exempt from an AJ, However the AJ does not reflect this on the document. I started to look into selling my home and learned that I would be expected by research into title companies to pay off the AJ as it allegedly clouds the title. AS Texas law is specific this is excluded. There are hundreds of AJ issued by this financial institution but also others such as XXXX XXXX, XXXX, XXXX, XXXX are just a few. The one commonality is that none denote in the AJ that the homestead is excluded. If any of these or other financial institutions have recovered the alleged debt by means of the Texas Homestead exemption in my opinion have potentially and currently could be still collecting under the guise of clearing an alleged debt which is know to be in Texas. Yes many have and continue to receive these AJ. I believe that these institutions along with their lawyers need to issue corrected AJ which states clearly that a Texas Homestead is excluded. I also believe that it needs to be investigated as to collection on any release in the time filed as aaaaan AJ carries a timeline of 10 years and can be renewed for another 10 years. So the statue of limitations should still be valid and the institutions that have collected should feel penalties and reimburse any party that they gave the impression is owed through their homestead by misrepresentation. I realize that Texas is a large state but the law is specific

Company response to consumer: Closed
Consumer complaint received 2020-10-01
Company: GUARANTEED RATE INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/2020 statement for a mortgage loan from Guaranteed Rate Inc. indicated they had not credited the payment I sent to them in XX/XX/2020. I sent them a letter on XX/XX/2020 asking them to correct the error they made. 

I received a response from them on XX/XX/2020 stating they had found the payment I made and applied it correctly. They also stated they were crediting all late fees and no negative credit report had been filed. 

Since receiving that letter I continue to get collections letters from them. I also have received 2 separate billings for the month of XX/XX/2020 that continue to add late fees. 

Despite numerous phone calls to Guaranteed Rate Inc. they still have not corrected their error. 































































































































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Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Several request have been sent to validate this unknown item that is listed on my personal credit file. A request for proof of ownership, signed authorization etc. was submitted and nothing has been received. Please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: AFNI INC.
State: TX
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:
I received a letter from Afni , Inc in 2016 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I set up payments with Ditech on or about XX/XX/XXXX for XXXX, XXXX, and XX/XX/XXXX. During the conversation the representative never told me my loan was transferring to another loan servicing company. I set up payments for XX/XX/XXXX - {$600.00}. XX/XX/XXXX - {$820.00} and XX/XX/XXXX - {$820.00}. The XXXX and XXXX payments have been processed. I received a letter from Ditech dated XX/XX/XXXX advising me the servicing of my Mortgage was being transferred effective XX/XX/XXXX, with my payment due XX/XX/XXXX. It further stated that Ditech would stop accepting payments received after XX/XX/XXXX. It said if I was currently participating in an automated payment plan with Ditech, my payment plan would be cancelled as part of the transfer of servicing to XXXX. This is not what happened in my case. Ditech processed a payment through my checking account on XX/XX/XXXX. 
After receiving the XX/XX/XXXX letter from Ditech I started researching to learn more regarding the transfer of servicing. XXXX XXXX  XXXX had a welcome to Ditech customers on their website. It said the transfer date would be XX/XX/XXXX. I am finding Ditech to continue with Deceptive trade practice. I requested a copy of my original paperwork before and never received it. My loan should have been paid off or close to be paid off but the practice is deceptive and as a customer I do not know where I am because they fail to be honest. My loan has gone from XXXX XXXX  to another servicer, to Ditech and now XXXX although Ditech just processed a payment. They are just taking money from me and saying I owe fees and not being honest. Please help this fraud to stop. I filed a complaint over and year ago and it was partially resolved and now this is happening gain. These are scandals to cause homes to be paid for over what they are worth and what was in the original contract. Ditech even changed my loan number a few months back. Their practice is deceptive and unfair. Ditech unlawfully deducted money from my account on XX/XX/XXXX according to the letter they sent dated XX/XX/XXXX. Please help.

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