BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Absolute Resolutions Corp.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello This was placed on my credit reports without any communication as to what this collection is for. I was not sent any information about this collection. Nor sent any information as to if this is my debt. 

I am not familiar with this Business. 

I sent request to have information sent to me regarding what this collection is for and information on amount saying I owe and to whom. 

I am disputing this debt on my credit report as perhaps false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CitiMortgage continues to access my checking account UNAUTHORIZED. 
My Mortgage is current and they have tried to collect 2 months of forward payments 3 times in the last 7 days. Each time, the account is put into overdraft and fees are charged by my bank. 
I have called CitiMortgage twice in the last XXXX hrs and asked them to remove all access to my checking account, they said it was completed and they continue to access my account without any approval or acceptance by me. 
CitiMortgage is out of control and can not manage an account that is current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank promised me a {$400.00} bonus if I opened a checking account with them, deposited {$15000.00} and maintained that balance for 30 days. They were to have deposited the bonus after 90 days and failed to do so. I called and complained, they acknowledged that I 'd met the necessary requirements and admitted that they were " aware of issues '' regarding the bonus payment generally. I still have n't received my bonus.

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 2016-01-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Hi, I am an account holder of American Express Macy 's credit card ending XXXX. There were XXXX fraudulent transactions of {$200.00} each dated XX/XX/2015 totaling to amount {$620.00}. I closed my account instantly and AMEX sent me a new Credit card ending with XXXX. 
Due to automatic payment set up for my credit card, the payment of {$890.00} was made to AMEX as on XXXX/XXXX/2015 which was inclusive of the fraudulent charges. I have been following up with AMEX since last 3 months by phone and written communication to reverse the fraud charges but all they have been doing is to confuse me and pass around different supervisors and fraud team. I had sent the fraud claim form with scanned copy of my Driving license using priority shipping as a prerequisite and they do n't seem to acknowledge that they have received the form. 
They have also disabled the viewing of the online statement as the account was closed and after requesting them repeatedly to send me the latest statement they have just not done it and neither have they bothered to call me back ever when I was told atleast 5 times by the call center rep that a Supervisor will be calling me to discuss my case completely. 
I am completely helpless on the solution to my problem. I have bank statements and responses from the AMEX team proving my point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-07
Company: Hosto & Buchan, PLLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Have been trying to obtain verification of debt documentation since XXXX 2014. XXXX XXXX XXXX has not provided anything, neither has their attorney. It has been 9 months and this account si damaging my credit. There is no one to talk to regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX 2015..charged {$15.00} late fee..not late XXXX XXXX 2015 made extre {$50.00} payment..all went to interest..even though expressly requested to be applied to principal XXXX XXXX 2015 extra payment applied to interest expressly made separate payment and called ... all went to interest XXXX XXXX 2015 {$20.00} principal only payment was applied to interest XXXX XXXX extra princpal only payment XXXX went to interest in XXXX 2015 i paid XXXX in interest..XX/XX/XXXX 2015 i paid XXXX.why am i paying more interest on lesser balance.. ( XXXX XXXX balance XXXX ... XXXX balance XXXX ) i want a recent copy of payment sent to me in paper copy i want above corrected ( at 19 % interest ) i want an explanation on increased interest payment and when that started and a month by month intrest account stated in my answer to CFPB not just sent in payment history my payments have been made on time since XXXX 2015..i have bank records

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
On XXXX XXXX, 2015 I submitted a payment request from XXXX XXXX XXXX bill pay services to pay the amount of {$84.00} to Santander Consumer USA in regards to my XXXX Credit Card account. The payment was to be paid on XXXX XXXX, 2015 which is approximately two days before my scheduled payment due date of XXXX/XXXX/2015. I sent the payment for the XXXX so I would not fall 30 days behind. The payment was delivered by XXXX XXXX XXXX via electronic check on XXXX XXXX, 2015 with a confirmation number of # XXXX. The payment was not credit to my account until XXXX XXXX, 2015 by Santander. I received a 30 day late notice on my credit report in regards to this payment. When I contacted Santander they stated that the payment was not received until the XXXX, but quickly changed there statement when I provided documentation from XXXX XXXX XXXX confirming the payment. A copy of my documents was provided as requested so the corrections can be made to my credit report. I was instructed contact Santander on XXXX/XXXX/2015 to confirm that the changes have been made. On XXXX/XXXX/2015 Santander stated that they are not going to change the report because it was not there fault that they credited the account on XXXX/XXXX/2015 instead on XXXX/XXXX/2015. They stated that the information was not enough to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is In regards to XXXX XXXX XXXX concerning Nordstrom Card Services Account # XXXX. Attached you will find a notarized power of attorney form authorizing us to investigate this account and communicate in regards to this matter. At the consumers request all future communications should be with this office. 

On XX/XX/2020 A letter was sent to Nordstrom in regards to a late reporting in XX/XX/2020 where a financial accommodation was made. I received a letter from Nordstrom dated XX/XX/2020 that accurate data is reporting to the three major credit bureaus. Based on the letter you are violation g the national pandemic law ( CARES ACT )?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i bought the car 2008 XXXX XXXX I about XXXX years I have all problems with car Ishould have take I back I was never happy with car. there is a lot things with it .now Ido n't never when to drive it I thing going break down.i have take XXXX or dealership theysaid there a lot things wrong with it they just give me XXXX for the car.so I call XXXX XXXX were I got the car will help me they said send letter to trade in XXXX done went to get a car from there just talk me in to get this we here them just the carhad not check when send the letter trade will give XXXX for it now they will not help meI have told them I do n't went outher care from there. customer service so bad there. 
so I need your help me. I can not drive this I think got live strangit outher.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of {$800.00} on XXXX. The lady pretended to be my former supervisor stating the government was giving out free grants. She said I qualified but needed to pay a fee. I sent the money through XXXX. I sent it to XXXX NC XXXX. She picked up my money at XXXX The text number she used to stay in contact with me was XXXX. Another text number that was used to contact me was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2016 I sent a money transfer of {$100.00} to a friend who is starting a new job. It was supposed to be available in ten minutes ... I even got an email that confirmed it was available. On XXXX XXXX, 2016 my friend said he was experiencing problems getting the money. I contacted money gram to cancel the transaction and they told me that there was a security issue with the transfer and they needed to speak with the receiver to see if he was someone that was not allowed to use their service. 
Now, after two hours on the phone with them, they will not refund my money nor will they release it to the receiver. They say there is a government list that has the receivers name and they are trying to verify if he is the person of interest. While I appreciate the security features ... none of this was explained when I set up the account. I just want my full amount cancelled and returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I repeatedly since XX/XX/2020 been sending and calling in every month to have this collection deleted from my credit report. this is not my debt I don't know who you guys are and I don't have a contract or an agreement with you. I do not owe this company any money. I have 3 collection on report from this company totaling {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: CAC Financial Corp
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
received a notification from all XXXX credit agencies that this entry was made to my credit history. have contacted the collection agency in question 4 times to try to verify the debt and get more information. To date ( 4 months later ) I have not yet received a reply. Have tried calling them 3 times only to hear that the manager will call me back. No-one has called me back

Company response to consumer: Closed
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: VA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On Wednesday XXXX XXXX 2015 money has Been missing off my pre paid rush card my money came on my card around XXXX and ask soon ask i when to check my account i saw a transaction of XXXX dollars i didnt make. I really need that money a back on my card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received a call from a XXXX XXXX and XXXX XXXX in XXXX IL about cash flipping. They took {$100.00} from me and never received anything from them. They have dropped all contact with me and all. This was a MoneyGram. 

Please look for these XXXX numbers : XXXX from XXXX XXXX. 

XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I loaded {$300.00} dollars to a Rushcard on XXXX XXXX. The funds have niot been added to my balance to allow me to get the money. I have been calling for almost three weeks to have it fixed and am constantly rerouted with no solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was being serviced by GreenTree. I am trying to sell my property, so I requested a payoff, due to the fact I was doing a short payoff with my Second Mortgage because my XXXX was more than my First mortgage. On XXXX/XXXX/2015 my last statement with GreenTree stated that my amount balance was XXXX, the past due amount was {$7800.00}. I sent a check for that amount to GreenTree. A few weeks later I received a letter stating that GreenTree was now Ditech, and my check was returned. I requested a payoff letter because my home is in contract for sale. 
The title company has requested the payoff on XXXX/XXXX/2015, I also called and requested the payoff as well on XXXX/XXXX/2015. Ditech, still has not send the payoff. I have tried reaching out to Ditech XXXX times and was on HOLD for over XXXX minutes each time someone picks up and they immediately put me on hold. The title company is having the same issues, and they are very unresponsive and careless ... I have was refused to speak with a manager on XXXX occasions. I feel powerless. I need your help to obtain a payoff since I have a closing date deadline and I am afraid that I will lose this buyer, since I am in default of my mortgage and wants to sell before they foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are in the process of refinancing our current home loan that is with XXXX XXXX. We are refinancing with XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX. However, in the title search processing, it was discovered that an old loan ( XXXX ) that we had with U S Bank NA, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX MO XXXX has not been properly released per the Recorder of Deeds in XXXX XXXX County. We paid that loan off in XXXX XXXX XXXX. 

The Deed of Release for the XXXX payoff was improperly worded. Instead of releasing the actual title, U S Bank release the Assignment of the Deed of Trust that they had with XXXX XXXX. 
The document that U. S. Bank needs to correct is the XX/XX/XXXX Deed of Release. They released XXXX XXXX but they did not release us. The loan was completely paid off on XX/XX/XXXX. 

We contacted them via email ( see attached response from U.S. Bank department of Purged Releases. This was on XX/XX/XXXX. We also contacted them on XX/XX/XXXX and they told us they would get back to us asap. We have heard nothing from them. 

We can not get a refinance loan until they correct the Deed of Release, dated XX/XX/XXXX, and completely release us from this loan. In fact, we can not sell our house if we wanted to until U. S. Bank corrects the mistake that they made.

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 2016-01-12
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am having financial difficulties and National Credit Adjusters continuously calls my cell and work phone. I have asked that they not call my place of employment because we are n't allowed personal calls and the calls are recorded, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from someone claiming they were calling on behalf of NCA for money I stilled owe. When I asked them who it was that I still owed theyou told me XXXX, I told them I had paid them off around a year ago. After I told them that they proceed to tell me that it was actually for XXXX XXXX XXXX, which I had paid off in XXXX of 2016 and I let them know I had already paid that off but they proceed to tell me I still owed money. After I got off the phone with them I contacted my bank and they told me I owed them no money and they had no idea why this person was contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Over two years ago my bankruptcy chapter XXXX file was discharged, and I know it will be in my credit report for 10 years. During this past two years, I have been working to get better with my credit which I have gotten better according to my credit report, but the credit bureau, Experian, has treated my score unfairly and abusive, I think. From a credit score really bad, I have been able to get it to XXXX and for no reason at all they took 15 points down leaving me with a credit score of XXXX. I have disputed my report trying to get an answer why my score dropped down like that and for too many points down. I have contacted them by emails after the result which was unsatisfactory due to the answer I got : " Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported ( which not apply to me ), Your credit card balances have climbed ( which not apply to me ). An account was opened/closed ( which not apply to me, at least not within several past months ). You've recently applied for new credit. ( which was several months ago ). An account on your credit report has aged off ( which in my case, all old accounts was in my bankruptcy chapter XXXX two years ago ) ''. If anything should happen with my credit score is to go up not down, because I have kept my auto loan, credit card, rent, utility, etc. up to date with no late payments or anything that could caused my score dropped down. I need help to investigate why am I being treat it unfair and abusive with my credit score. My credit report shows that for over two years I have kept an exceptional record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company and I could not reach an agreement for settlement as they are asking for too much money all at once. On XXXX XXXX, 2017 they told me the offers and I was to discuss with my wife. They said at this point if we can not reach an agreement that they are going to give the debt back to the state of Arizona and they would be finished with it. They were to call me back on XXXX XXXX, 2017 after speaking with my wife. When XXXX called back I informed him we could not meet their demands and to go ahead and give it back to Arizona and I do not want to hear from you or your company anymore or I will take legal action! Today on XXXX XXXX, 2017 they called my place of employment. I am ready to move forward with legal action if they ever call my place of employment or myself or family!

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 2016-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
Re : XXXX XXXX XXXX Card ending XXXX. 
This has been my XXXX request to have this issue resolved without success, as this adverse reporting continues to cause me adverse results. 
This account was ALWAYS and ALREADY PAID in full prior to bankruptcy filing in XX/XX/XXXX when it was inadvertently included in my bankruptcy and in FACT OVERPAID per bankruptcy ledger, as none was required. Notwithstanding, this bankruptcy was XXXX on XX/XX/XXXX. PLEASE DELETE per attached. 
Notwithstanding the most recent dispute submitted via XXXX and documentary evidence submitted, as you will see on the next page, the incorrect adverse information is still being reported as of XX/XX/XXXX. Please delete /correct and advise all the major credit bureaus. 
Thank you. 
Sincerely,

Company response to consumer: Closed with explanation