BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-31
Company: CITIBANK, N.A.
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I received a prepaid debit card ( XXXX ) for a rebate. Its exp date was XXXX. I misplaced the card around XXXX, and just found it. I called the issuer ( Citibank ) to request reactivation/replacement, as the CFPB says is required. They said they could not, that the remaining value ( ~ {$26.00} according to their records and mine ) was forfeited. I 'd like to get that repalced correctly. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Barclays opened a credit card with a {$25000.00} limit without my permission. After being contacted multiple times in multiple ways and instructed to close the account I have finally received a letter stating that the account is indeed closed. However, it still shows up 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 2022-09-07
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a purchase of {$250.00} on Friday, XX/XX/XXXX, which was immediately canceled by the merchant ( within 30 minutes ) due to being out of stock. 

After the notification was received, I reached out to chime with proof of order cancelation & was told that the cancelation was already processed by the merchant and the money would be returned. 

Yesterday, XX/XX/XXXX, I called support to find out why the funds have not yet been released. I can not afford to have almost {$300.00} just sitting in limbo for days. I was told that because the transaction was canceled before being posted, it will take 7 days for my money to be returned- if the merchant let it post & then refunded, it wouldve shown up within 3 business days. I kept asking for clarification, because it seemed to me that a canceled transaction being held longer than a refunded posted transaction seemed strange, but couldnt get far with the phone agent. 

In my frustration, I asked for a supervisor and was advised he would just tell me the same thing, and proceeded to sit on hold. When it was clear I wasnt going to make any progress, I hung up. 


I have had numerous issues with chime from the way disputes are handled to the terrible customer service reps and their lack of understanding of the product/account, which causes issues beyond a simple error. Care should be taken when people have access to your money but Chime doesnt seem to feel the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: NATIONSTAR MORTGAGE LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I went to pay my mortgage as usual as I have done since XX/XX/XXXX when the payments were made to XXXX. I now pay it on line at the Nationstar Mortgage site. I selected the Nationstar shortcut from my list of shortcuts but it took me to a page stating the " page could not be found. '' I then went directly to their site after searching for it on google. I opened up the site and signed in. I was then greeted with a demand to " verify '' my account. The way to do this is to enter your zip code, and then your social security number. 

I have issue with this in the times when XXXX, and many other websites have been hacked and the information breached. I have always paid on time and in the manner I have become accustomed to, on line. I have an account number which is the only number that should be necessary to make a payment. My SS # is private and can cause extreme damage to my credit and personal well being in the wrong hands. I do not believe it should be associated with my mortgage account, and certainly should not be requested to be submitted on line. 

I have presented my SS # to a possible creditor for a one time background and credit check as should be expected. But I do not want my mortgage account to be identified by the SS #. That is why I have an account number, is n't it? 

There is no way to make a payment or to get to customer service without first entering the zip code and then the SS #. This has the potential to cost me money in late fees and may have purposely been set up to do so. Messages left have produced no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AD ASTRA RECOVERY SERVICES , INC Registered agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES, INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of XXXX XXXX XXXX My credit report shows a collection from AD ASTRA RECOVERY SERVICES , INC. I was never notified of this collection. I also do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you and the original creditor are authorized to administrate on me XXXX XXXX XXXX, together with certified copies of a signatured contract between XXXX XXXX XXXX and me, XXXX XXXX XXXX, you and XXXX XXXX XXXX, bonds, original creditor charge off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX Collector Association Agreement passing me, XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon me, XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Please know that reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA violations such as : section 806. Harassment and abuse section 807. False or misleading representations section 808. Unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I got divorced in XXXX of XXXX. At the time of the divorce, part of the settlement was to allow my ex-wife to stay in our marital home since we had a young daughter. We agreed we did not want to disrupt her life. When I left the home as part of the settlement my ex-wife agreed to take over the house expenses and mortgage. It was an adjustable mortgage with XXXX XXXX. During the years she has tried to refinance the mortgage into her name before it began to adjust but does not qualify, we then tried to look at HARP options but the mortgage is not owned by XXXX or XXXX XXXX so we were told no on that option. Fast forward, she has been paying the mortgage in hopes her income would go up and she would be able to refinance out of my name. The mortgage began to adjust as of XXXX XXXX. I was recently laid off last year during XXXX XXXX, and went from making XXXX to each year less and less. Now in XXXX I am making XXXX. My ex-wife decided to leave me with the house after she realized she would not be able to put the mortgage in her name so I have had to move back into the home. I have contacted Quicken loans to try to do a modification to a fixed mortgage since the rates are adjusting and going up and now I make a lot less, I provided all the documentation they required every XXXX weeks. After providing the documentation every XXXX weeks I realized I was not getting anywhere, I called and escalated my case to their XXXX relations group. I spoke with a XXXX XXXX in the executive office who said he was a supervisor. I spoke with several Quicken employees who said they were supervisors and were not. XXXX XXXX, XXXX XXXX, XXXX XXXX. The company employees lack integrity. Anyway, after several calls to follow up and back and forth, XXXX XXXX told me my modification request was denied, his reason was I made too much income. I asked how was my income calculated he refused to disclose the math, how can you tell some XXXX they are denied and not explain why? In addition to this I also received my mortgage statement for XXXX with an additional {$180.00} fee showing up on the statement with no explanation of why. I called to ask them why and to remove it and they have yet to resolve the issue. The executive relations rep XXXX slipped up and said it was XXXX charges, when I questions it further she said she was not sure what is was and would look into it. She was also suppose to be a supervisor, when I asked to speak with her supervisor, she said it was XXXX XXXX. Again Quicken employees are being dishonest. I feel absolutely uncomfortable with with them no XXXX in there executive relations group seems to be honest and I do not know who else to go to to hear my case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 year old daughter PLEASE HELP ME PLEASE im 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 2022-09-12
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE 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 XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-12
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX Mortgage Representative Citibank , N.A . 
XXXX XXXX XXXX XXXX. 
XXXX, Texas, XXXX Phone : ( XXXX ) XXXX Fax : XXXX XXXX TO MAKE APPLICATION ONLINE visit : Citi.com/XXXX XXXX XXXX  : # XXXX Lied about making an loan application i went under contract sent her multiple emails and gave her all my information. When my realtor sent her multiple emails asking when the appraisal process would be and even the title company sent her multiple emails requesting information she stop responding Im a month later she said that my loan application was never completed in the meantime we had sent her over 50 emails asking her and her bosses to respond we kept getting emails saying that she was out of town. I lost my hand money because she never gave me a denial letter because she claimed she never made a mortgage application she is a liar a horrible thief

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 2022-04-12
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-05-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a purchase in the XXXX Macy 's store for {$8.00} on XX/XX/XXXX using my Macy 's credit card. I returned this item a few days later. I never received a XX/XX/XXXX or XX/XX/XXXX Bill. I thought my balance was " XXXX '' since I never received any bills and I had returned the only item i purchased during that time period. Note : Macy 's does n't send a bill if the balance is XXXX  The moment I received a bill I noticed I was past due and called up right away to see why. This was on XX/XX/XXXX. Customer Service was understanding enough to waive the fees however we were never able to figure out where the {$8.00} was credited back to since it never went back to my credit card. Macy 's customer service was supposed to investigate the issue. They never got back to me. I did n't have that much time to put into the issue since it was only {$8.00}. Now I am trying to get a mortgage and this late payment is weighing heavily on my credit score. I was never aware that this was a derogatory mark on my credit history until a year after. Macy 's never said anything about it at the time either. I have tried to dispute it through XXXX and XXXX with no luck. I 've tried to contact Macy 's. They keep saying they will get back to me in 72 hours which they never do. XXXX said you guys are the best so I am pleading for your help to resolve this. I have also resorted to starting a firestorm on Macy 's Social Media 's account and they still dont seem to care about their customers. I have learned recently that there are many people who are having the same issue as I am. Please Help! Thank you very much in advanced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a conventional loan, 30 years fixed rate, refinancing of my current home. I specifically asked the mortgage broker if the charged off account needs to be paid. The broker ran my application and came back with an answer that all XXXX does n't need to be paid but XXXX of them need to be paid and the loan moved to next stage. While waiting for the under-writer, I paid the charged off account ( which was already past SOL ) around {$1200.00}. I paid for the home appraisal and appraisal was done. I got a mortgage commitment letter, after the loan was reviewed with the underwriter, saying that any disputes needs to be resolved and also asking for updated bank statement. Today I got an email saying that all charged off ( non-mortgage ) account needs to be paid before they can close my loan for my primary home. This is against XXXX XXXX Guidelines which clearly says that " For one-unit, principal residence properties, borrowers are not required to pay off outstanding collections or non-mortgage charge-offs -- regardless of the amount ''. I have XXXX accounts in my credit report which are charged off 5 years ago. There is a notation in the credit report that total balance is " past due '' which is the result of account being a charged off account. The account is being mistaken as " past due '' when it 's actually a charged off 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 2022-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Credit Bureaus reported late payments on a vehicle. A few days later I checked and saw it was now reporting as a charge off. I contacted the credit bureaus in writing and have had no response.

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 2022-09-07
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My wife and I have a joint account for checking. It was used to pay our Discover credit card. My wife became a victim of fraud and all of our banking information at XXXX was compromised. XXXX changed the information but it was near the billing cycle and the payment for Discover was late. Ive never had a late payment in my life ( see credit report ). In fact, immediately following the notice, I paid additional principal and reached out to XXXX and Discover to dispute this but no corrective action was taken. This was bad timing beyond the control of my wife and I as I made attempts to correct this unfortunate event.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit karma is listing a closed account that was paid in full in XX/XX/XXXX. Portfolio recovery opened in feb. XXXX. It was paid in full for XXXX in XXXX of XXXX. They said they lost the copy of the check and they could not investigate it they were not able to go that far back. Please investigate it. This company is a fraud and its ruining my credit. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation