BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
They have sent me a promotion to receive a {$400.00} Statement Credit when I open a new checking account. But when I attempted to open the account, they stated I had previously opened an account so I was unable to be qualified for this promotion. I previously tried to open an account online but I was told that the account was unable to be opened. I contacted them multiple times and they said the account was not opened. I have not previously opened an account with Regions Bank, so I should have the opportunity to take advantage of this promotion.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 contacted XXXX & TransUnion about unauthorized inquiries on my credit report. Either have removed the unauthorized inquiries off my credit report. TransUnion stated it will take 30 days its been 30 days & still no update!

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 2022-06-22
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I know I paid the amount off to XXXX XXXX XXXX XXXX but I also applied for financial aid with them due to Im on fixed income. They did not send me any more information about if I was approved for financial assistance I also have tried contacting them many times to discuss. Then their debt collection company gulf coast collection I have written them talk to them on phone many times told them I want to dispute it and all I get is multiple phone calls voicemails a day every day something has to give and they marked my credit for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and XXXX/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 : It 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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX XXXX account # XXXX Has violated my rights XXXXXXXX XXXX  account # XXXX has violated my rights XXXX -account XXXX XXXX has violated my rights XXXXXXXX XXXX- account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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

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 2022-06-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I attempted to make a transfer from my savings account, XXXX to a verified external bank account. The transaction was cancelled by American Express National Bank. They asked me to fax over account details confirming the external account ... which had already been done online. I faxed the details. I even added my credit union account as a backup. Now I am unable to utilize my funds at all as there is some sort of hold on them. These funds are needed immediately and to not be able to use them nor have been advised of this hold is not good. I need the hold removed so I can move forward with my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage collects biweekly payments but only applies them on a monthly basis when choosing their biweekly autopay option. It waits until the due date to apply a payment even when it has collected by autopay the full payment a week or more before. 

Example : On XX/XX/XXXX Rocket deducts a biweekly payment. A second biweekly payment is collected on XX/XX/XXXX. Therefore as of XX/XX/XXXX Rocket Mortgage has a full monthly payment but instead of applying that full payment on XX/XX/XXXX, the full payment remains in an unapplied status until XX/XX/XXXX. 

This is unfair to the consumer because it costs the consumer more interest on the loan overall than if the payment was applied when it was collected from the consumer by autopay/received. 

Moreover it is false to describe to the consumer a payment as biweekly when it is only applied monthly and/or the consumer does not receive the benefit to the amortization of loan of the early full payment autopay collected by Rocket. 

It's unfair to the consumer that the Mortgage servicer holds the payment in a pending status and receives the benefit of that money for a week or more until applying it against the principal and interest. Over the life of the loan this is thousands of dollars that belong to the consumer that the mortgage company is capturing for itself by delaying the application of the payment until the due date/first of the month even when it has received the full payment a week or more before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had a second mortgage with XXXX XXXXXXXX XXXX on property in XXXX, XXXX XXXX I filed for bankruptcy XXXX  years ago Had an agreement with XXXX  XXXX XXXX to pay {$100.00} towards the loan until completion. 
I have paid {$100.00} a month according to agreement for almost the last XXXX years. 
I paid XXXX XXXX XXXX XXXX months for XXXX {$1600.00} ( Attached ) XXXX XXXX XXXX sold to XXXX XXXX 
I paid XXXX XXXX for XXXX  months XXXX {$2500.00} ( Attached XXXX XXXX XXXX sold to Specialized Loan Servicing. ( SLS ) I paid SLS XXXX XXXX {$3100.00} ( Attached ) SLS acting as Loan sharks, by start of COVID-19 demanded more money, started extortion by harassing, terrorizing elderly ( I am close to XXXX XXXX XXXX ). with threats of " XXXX '', foreclosure, short-sale ...., .. creating such a stress that I developed XXXX XXXX and was XXXX 
I was forced to offer a settlement agreement of {$10000.00} ( borrowing from HUD and others ), the loan shark SLS counter offered {$11000.00} that I paid ( Attached ) The second mortgage is closed, mute. 
But the XXXX  SLS is after XXXX again that is equal to a XXXX XXXXXXXX 
I hope that the XXXX  organization be stopped before endanger our lives.

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 2022-11-25
Company: COAST PROFESSIONAL INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Coast Pro , Inc is enabling Identity Fraud. Not only is it trying to collect a debt I do not owe, it is threatening to garnish my wages. Also, this company has never notified me via US Mail about this debt. The notification the company did sent was sent to SOMEONE ELSE 'S address and luckily, the individual who saw the letter was able to get into contact with me. This company clearly sent notices to the WRONG address. i have NEVER resided at the address listed from the communication from Coast. This company has clearly been reckless in it's handling of private information. This company has violated the FDCPA. This company and it's client are enabling Identity Fraud. 

Please see attached. As of today XX/XX/22, I have faxed Coast Pro a letter disputing the debt and the form they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing Account # # XXXX XX/XX/XXXX thru XX/XX/XXXX. 
During this time, Ocwen improperly calculated loan balances, misapplied payments, late charges, failed to correctly process escrow and insurance payments. Ocwen compounded these failures by illegally foreclosing on my loan and submitting an erroneous 2nd lien on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX/XXXX/122 i received an email from chime stating that my account was temporarily closed. I was asked to provide documents and pictures of me to verify my identity. I provided Everything they wanted. they gave me specific time to wait for them to respond back. Each and every time they took longer than stated on the email i received. i even begged them to look into my case because i have children and we are currently going through financial hardship and needed to pay a hotel. i have no money to feed them and i lost my recently. i tried to get atleast XXXX to pay the rest of the valance for a room and they could not help. i lost time money and my family in a short time because Chime refuses to unlock my account. Now i begging you to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Incorrect information on my credit 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 2022-11-28
Company: U.S. BANCORP
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am filing this formal complaint against US Bank in reference to my US Bank Home Equity Line of credit account # XXXX. My debit card associated with this account was stolen and fraudulent charges were made on my account, and US Bank refuses to cancel my stolen debit card or reverse the fraudulent charges. US Bank has one of the worst customer service departments that I have ever dealt with. On Wednesday, XXXX XXXX 2022, I noticed XXXX ( XXXX ) separate fraudulent charges on my US Bank home equity line account that were charged with a stolen debit card linked to my account. I attempted to call US Bank approximately XXXX times or more and spoke to over XXXX different representatives over the course of XXXX hours. Every time I talked to a representative, I was put on hold for a long time or had the call disconnected. Sometimes I would get transferred to another representative and after XXXX hours nothing was ever done and I could not reach anyone who would cancel my stolen debit card or decline the fraudulent charges. The XXXX ( XXXX ) fraudulent charges on my account were all made on XXXX XXXX 2022 in the amounts of : {$740.00}, {$24.00}, and {$150.00}, respectively. When I talked to XXXX rep at US Bank named " XXXX '' I was given dispute # XXXX. But the fraud charges are still on my account. I am demanding that my stolen debit card be immediately cancelled and that the fraudulent charges on my account are immediately reversed. If the charges are not reversed I will take further legal action against US Bank and seek a court order to have the charges reversed and have my account closed, and permanently cancel my business relationship with US Bank. It is unfortunate that US Bank refuses to address fraud charges on my account after I have been a loyal customer for so many years with multiple credit card accounts and this home equity line account. Sincerely, 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 2022-11-28
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX, XX/XX/XXXX, I learned that Pentagon Federal Credit Union had reported Three ( 3 ) 30 Day delinqu3nt status notes on our account this year -- in XXXX, XXXX, and XX/XX/XXXX. I learned this from a loan officer who was attempting to approve us for a construction loan when she revealed our actual credit scores to me and the likely reason ( these multiple [ Three ] 30 Day delinquent notes on our PenFed Account. I reached out to PenFed and spoke with a customer service associate who said the only way they could assist me would be open an investigation which would require penfed to inquire of my credit report. Though I asked directly, they could not verify over the phone if they indeed had reported our account as 30 days late for the months of XXXX, XXXX, and XXXX. They instead told me to digitally consent to a hard credit inquiry for Penfed to do the investigation. At this point, after the damage to our credit report that has resulted from 2 months of incorrect delinquent accounting, at a time when we are pursuing a construction loan for a homebuild, I, dissatisfied with their " investigation '' process and wary against additional credit inquiries at this important juncture, have been advised by my loan officer and my own best judgment to file the complaint with this bureau in hopes of achieving an effective and timely response from PenFed. Additionally, I co-own this debt with my wife, and am unsure if she needs to open her own complaint.

I have verified that we have indeed only had One ( 1 ) 30 day delinquint payment on our Penfed account this year. In XXXX, we made a payment that was 30 days delinquent due to oversight. We reached out to the Penfed CEO with a letter of good will asking for the late status to be forgiven, as we had never been 30+ Days delinquent at any point since this loan had opened in XXXX. Unfortunately, PenFed denied our request. However, We brought the account current and have kept the account current ( Every payment made before 30 day delinquent status ) since the XXXX Payment ( due XX/XX/XXXX ). 

These details are noted in the billing history snapshot attached, which I took from Penfed 's website. I also have attached every bank statement that reflects each payment draft noted on the transaction history. Additionally, I have highlighted each transaction in the bank statements that corresponds to my annotation of the Penfed XXXX history. 

The fair solution here is to remove the 30 day delinquent statuses for XXXX and XXXX, XXXX, as these payments were not, at any point, 30 days delinquent.

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 2022-04-23
Company: EQUIFAX, INC.
State: NY
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 Account # XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, an unknown individual went into a XXXX  store and performed a XXXX swap, thereby taking over my cell phone number. They then hacked into my XXXX and Citibank accounts and completed a {$42000.00} wire transfer. When Citibank attempted to contact me ( via telephone call, email, and/or text message ), the unauthorized user was able to confirm the wire transfer, as they were receiving all communications sent to my cell phone number. I have reported the fraudulent activity to Citibank and XXXX. Citibank has yet to refund the money.

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 2022-06-22
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I qualify for PSLF ; and have made 120 payments at this point. Fedloans is my loan servicer. I was told after speaking with the ombudsman that all my uploaded employment certification forms would be reviewed at the same time- however they failed to do so ; only reviewing one form. I would like a prompt review of all uploaded ECFs as I currently qualify for forgiveness. The wait time of 3-4 months is unreasonable to wait through again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Navient Solutions, LLC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to buy a house. I'm supposed to be out of my current XXXX Within 2 months. My mortgage broker called and told me that all of my navient accounts were reporting me as 90 days late, for several months, and consecutive months, over a year. I had contacted navient, several times for more than 2 years, trying to get my loans out of deferment, and set up monthly payments of {$50.00}. I would say to each person that times are hard during Covid, and that was all I could afford. Each person that I talked to would " counter offer '' me. Things like, " looks like we could set that up for {$75.00} per month, could you manage that? '' Or, " we can get a payment plan set up, but we are going to need it to be at least {$100.00} per month, any way that you could do that? '' Things like that every time. I would ask to speak to someone else. More times than not, the person on the phone was speaking " broken to very broken '' English. Having a language barrier during these conversations did not help matters. I was told that i need to go to their website and/or download their app. I would explain that I don't have a computer, I check my e-mails about once per month and mass erase XXXX XXXX at a time, I'm not a technical person, at all, and my phone is used for calls and texts. I just wanted to talk to a person to get this set up. I find it very hard to believe that there isn't anyone on staff, that I can give information to, and ask any questions that I may have of them regarding loans. I actually asked at least one of them, " why would you turn someone away that is trying to give you money every month? '' The last conversation was some time last year. Then I started hearing that all student loans were being " frozen, '' where payments and accruing interest were being paused. I was keeping up with all of the date extension, so that when it was over, I could try again. Mostly hoping that they would be happy to take my {$50.00} per month, since they hadn't been getting any money form anybody. I find out this morning from my mortgage broker that my credit score was horrible, and the only reason is navient. They reported to the credit agencies 90 days late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. If student loans are " frozen, '' then they should not be reporting any negative payment activity, definitely 90 late payment reporting and destroying peoples credit, goals and life.

Company response to consumer: Closed with explanation