BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently challenged the validity of the accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. Transunion and XXXX will not follow suit and delete the inaccurate/unverifiable accounts, they have not verified the accounts. The creditors have not been able to verify the accounts either, but XXXX and TransUnion will not remove them from my credit profile.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Today, XX/XX/2022 I received credit alerts from various credit websites advising me that my score dropped with TransUnion. I was stunned because I was waiting for an update to see my scores incresing because I paid down my credit cards this month in an attempt to boost my scores so that I can sell my current home and purchase a new single story as my spouse is XXXX and XXXX and we need a single story home for their safety. I have had concerns over why my scores have plummeted recently since I have no late payments and all collections have been paid in full for months. I recently reported TransUnion for not updating my credit report after I sent them a copy of my personal fraud report from the FTC. So, in an attempt to try and find out what was happening to my credit I checked XXXX XXXX, TransUnion, and my credit union  and could not believe it when I discovered my credit score dropped a whopping XXXX points! With NO CHANGES to my credit report ( see attached ). Am I being victimized by TransUnion or is this a horrible mistake? My credit is good and I am beyond upset that this is happening to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good day. My name is XXXX XXXX and I currently have a mortgage loan with Citi Mortgage in the City of XXXX. My property taxes were lower by {$1000.00} by the City of XXXX. Documentation was sent over to Citi Mortgage and only to find out, my mortgage will only be lower by {$180.00} for the year. I am current with my mortgage, so I do not understand their calculation. I called the company and they are lying about escrow differences. I was told the same thing by Citi staff last year when they raised my mortgage from {$2100.00} to {$2100.00}. I really need your help to correct this matter because I know I will lose my home with Citi Mortgage scheme. 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 explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Trying to communicate with Equifax to temporarily lift a credit freeze I have on account with them & I can not contact anyone either on-line or by phone since XXXX and its currently XXXX. I provided a call back number as they suggested, and they have not called back. I tried on-line and it states that they could not help me at this time. 
I had no issues with XXXX XXXX or XXXX temporarily un-freezing my accounts on-line but Equifax has not been available on-line or on customer service phone. 
Very poor service and client support. Highly inefficient in this day and digital age.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call repeatedly giving me false answers to my questions below is the timeline just over the past XXXX weeks-Talked to a rep on XXXX said they called the creditor and they said they would settle for XXXX and said my credit report will show PIF but the creditor will not agree to remove it off my credit and will remain on there till date expected to be removed unless I pay full amount. I asked my credit counselor if this was the best thing to do she said no not to pay it unless they agree to remove it completely. 
Talked to a rep asha on XXXX told them about the conversation I had with the other rep and told them what my counsel had told me and they said let me place u on hold to ask my supervisor to make sure the debt can be removed got back on the phone and stated supervisor approved for her to put a note on the account about the deletion told her before we proceed I need that in writing said she would email a document over to me and call me back the call was at XXXX per phone records. I never received the documentation via email. Called asha back at XXXX stating I have not received the document no answer left a message. Called me back at XXXX left me a VM saying she needed more information from me before she sends the letter. XXXX called me saying he was the operations manager and to call him back called back spoke to him he said they do not do settlement offers like that and they wo n't be able to delete it unless I paid the full amount. I became frustrated at him since I clearly was n't told that not even an hour before said that he would call the creditor and ask. Never called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Flagstar Bank, N.A.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company that we had filed a prior case about in XXXX XXXX due to not assisting us with a modification/refinance. Is now Inaccurately reporting on our mortgage to the XXXX major credit agencies. We have submitted documentation showing we were not late from XXXX XXXX to YTD but have not received resolution and because of the inaccurate reporting we may not be able to get financing on a new home. I truly thought that after the multiple errors that we have experienced with Flagstar that we wouldnt be dealing with another issue with the same Lender. I will NEVER ever again do business with Flagstar Bank. Any assistance would so be appreciated as we do n't know what to do.

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 2016-09-13
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was presented a Letter of Ineligibility from Flagstar Bank on XXXX/XXXX/XXXX for an appraisal completed on a residential property on XXXX/XXXX/XXXX. I was never given an opportunity to rebut the findings of their conclusions and now I 've been blacklisted from doing appraisals for Flagstar Bank. Keep in mind, I have completed XXXX appraisal assignments prior to XXXX/XXXX/XXXX and XXXX assignments post XXXX/XXXX/XXXX for Flagstar Bank which equates to a better than 99 % success rate. I submitted an XXXX page rebuttal to XXXX ( the XXXX XXXX XXXX ) when I was made aware of a Field Review completed on the property in question. Flagstar may or may not be in possession of the rebuttal. I mailed an entire package ( including the rebuttal ) via Certified Mail on XXXX/XXXX/XXXX and the parcel remains at the Post Office to this day. The package was never picked up. This blacklisting has caused extreme losses of revenue. A number of my clients will not engage me on appraisal orders ( even with other banks ) due to the blacklisting which has been unjustly been placed on my license. I 'm filing this complaint as I feel I 've been wrongly persecuted and it has had a domino effect on my business. I 'm requesting the services of CFPB so that a just and fair resolution to this matter can be achieved.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: MD
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:
I applied for a XXXX credit card on XX/XX/XXXX and got a hard inquiry on XXXX and one on Experian. I got a letter dated XX/XX/XXXX telling me I would have to call XXXX XXXXn the next 30 days to verify some information or else my application would be cancelled. And so the next week I called, verified some information, and then got approved. The only problem is that XXXX made another hard inquiry on my Experian credit report. Now I have two hard inquiries on my Experian credit report for the same credit card application. I tried filing a dispute with Experian, but they're not abiding by the FCRA and told me that I would have to contact the furnisher directly because Experian 's records are already accurate based on the information the furnisher provided ( which negates the purpose of a reinvestigation and their role in forwarding my dispute to the furnisher ). And so I initiated my first dispute through the phone with XXXX and I received a letter dated XX/XX/XXXX explaining that I would need to provide more information via mail. So I sent a letter describing the nature of my dispute and received a letter dated XX/XX/XXXX explaining that I was not clear enough and would need to send another dispute with better clarity. And so I did and received a letter dated XX/XX/XXXX explaining that XXXX found the hard inquiry made on XX/XX/XXXX to be accurate. I called XXXX in disbelief and they told me that they have a 30-day window before needing to hard pull my credit report again, which I missed by two days. I asked why it couldn't be a soft inquiry and they said it doesn't provide the same information, when in reality it does. I then asked why they took so long in sending me the letter that tells me to call them within 30 days ( which didn't match the 30 days before a new hard inquiry would be made ) and they said they've tried contacting me through other methods, which is not the case. The letter that told me to call them within 30 days only gave me a week after receiving it to avoid a second hard inquiry. I at no point started a second credit card application and these two hard inquiries are for the same credit card application.

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 2015-09-01
Company: Paypal Holdings, Inc
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I sold an item on eBay for {$1600.00} and the buyer paid with PayPal and the funds were deposited into my PayPal account. The buyer personally picked the item up and took it home. On XXXX XXXX, the buyer then filed a claim with eBay and the {$1600.00} was taken out of my PayPal deposit account without my consent. I contacted eBay and they ruled in my favor and advised me the PayPal funds were returned. The funds were returned because the buyer made complaint about the item when picking it up and he made no effort to return the item. On XXXX XXXX the buyer filed a dispute with PayPal ( even though eBay had already ruled on this matter ) and PayPal again took the funds out of my account. PayPal did not notify me this was being done via email, phone or letter. I was not aware of this issue until XXXX/XXXX/15 when I logged into my PayPal account and saw the transaction and my account in the negative. There was a note from PayPal on my account demanded I fund the negative with my other bank account or credit card. I contacted PayPal and they claimed they tried to email me XXXX times before ruling in the buyer 's favor. I show no record of any contact attempt, although I had received other email from PayPal. They told me it was my fault for not logging into the PayPal system and checking on my account. I appealed the decision and they rejected my appeal. The buyer has now received a refund and has the {$1700.00} item and my account is running a negative balance even though I was told the dispute was settled in my favor and all funds were returned to my account on XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
I received an email from PayPal about a settlement for Case XXXX. They said I would be credited with {$30.00} plus an additional {$1.00} to cover a fee if I request a check. They did not deposit the {$1.00} and are charging me for the check and giving me a refund of only {$29.00}. I realize this is a very small amount but with XXXX customers, PayPal is cheating us again. I tried to call them bu I just get put on hold. They do not provide an option for electronic contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently challenged the validity of the accounts, XXXX XXXX XXXX - AND XXXX XXXX XXXX, thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. XXXX and Equifax will not follow suit and delete the inaccurate/unverifiable accounts, they have not verified the accounts. The creditors have not been able to verify the accounts either, but Equifax and XXXX will not remove them from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the XXXX data breach therefore my private information is vulnerable to malicious individuals.

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 2022-05-16
Company: Block, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
over 3 weeks ago I tried to Cash out money to my bank account. Cash App said it takes 5 business days. After the fifth business days I asked if they can retract my money and out the money back in my Cash App. They said that takes 3 business days and it's been longer than that. The money still isn't in my account. Cash App has repeatedly said they are awaiting for my bank to reverse the fees, my bank confirmed there's no fees to reverse. Cash App said the Cash App happened on XX/XX/XXXX I uploaded my bank statement to show I got no deposit from Cash App. In their response to my complaint they said they reached out to my bank. My bank confirmed this has not happened.. I included my bank so they can respond, to confirm these things dis not happen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Account was closed and GAP claim was cancelled now my account is back open and no one can give me an answer as to why. 
My car was totaled on XX/XX/XXXX the insurance company overnight a check on XX/XX/XXXX. After waiting several days the check could not be found so I had the insurance company call and Santander said the check went to the wrong address and to wait they'll get the check eventually. I had the insurance company void the check and overnight another check on XX/XX/XXXX. That check was received and the amount posted to my account was short by almost {$700.00}. I spoke with several people and finally the account was reviewed and corrected on XX/XX/XXXX. My account was closed on XX/XX/XXXX and then back open on XX/XX/XXXX with a new balance. And every time I call I get a different answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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 XXXX XXXX XXXX account # XXXX and XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was off work for several months due to a medical issue causing all of my bills to be past due including my mortgage. When i called to make a payment to attempt to reduce the delinquency they refused to take a payment unless i scheduled 2 payments since i was past due. I scheduled the 2 payments in XX/XX/XXXX letting my utilities go which lead to them being turned off. i need to make the full payment on the utility to get the service back on leading to additional missed mortgage payments. I submitted a payment in XX/XX/XXXX and again in XX/XX/XXXX via XXXX. They rejected and returned my XX/XX/XXXX payment have have refused to accept my payment. I need to move my missed payments to the back of the loan and i have submitted a financial statement to them hoping they will work with me. I am back to work and can make payments going forward- but I can not make up the past due amount. I can also schedule monthly or bi-weekly payments if they will work with me -I just can not submit the amount they are asking that is past due. I do n't want to lose my home and need help working out a repayment plan with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed in 2013 for a modification of my mortgage loan with XXXX XXXX XXXX XXXX XXXX. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from XXXX of XXXX branches. Thus, I sought help from XXXX Holder and now XXXX, CFPB and XXXX XXXX XXXX XXXX. The most recent was information showing on the deed that this loan is invalid. I sent a complaint also on XXXX XXXX XXXX union. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. XXXX knowingly deceived me by continuing to send letters stating they needed more time to research the matter. They then sold my loan to Carrington Mortgage Service, Llc. I notified Carrington of the dispute and supplied them with the deed and copy of the certified Lien release. In working with XXXX XXXX, they are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against XXXX XXXX XXXX for not releasing and invalid loan and making a sale to Carrington while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them XXXX XXXX XXXX XXXX, which is wire fraud and Carrington for going forth after I notified them. Also now that Carrington own the invalid loan, not giving me the lien release I requested. See case numbers Cfpb XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Other fee

Complaint:
I called in to downgrade my Citi AAdvantage Gold card to a Citi Diamond card within a few weeks of the annual fee posting, and was told that the fee of {$50.00} would be erased by the time the next statement posted. It did not, so I called in, and learned that I would be refunded the fee " within 51 days of account conversion '', or XXXX XXXX, as the account conversion process does not begin for another few weeks, despite my old card already having been closed and my new card already been received. I will now have to pay the annual fee to avoid having my account go into default, even though they told me it will be refunded.

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