BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-14
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In late XX/XX/2020, I noticed that I was no longer able to log into my XXXX XXXX and a pop up indicated that my account was terminated. 

I filed a complaint through DOT requesting for further details as to why my XXXX XXXX account was terminated. 

I received a response from XXXX XXXX on XX/XX/2020 stating that I was involved in 'abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. ' I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citi AAdvantage credit card. Please provide conclusive evidence of such case where I have violated the terms of the agreements made between Citibank and myself as stated by 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 2015-11-02
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called Diversified Collections XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. On XX/XX/XXXX at XXXX and spoke with XXXX badge number XXXX. I explained to him I do not owe this debt and now they have purchased the debit and it is on my credit report again from the last collections agency that reported I owned this credit and I do not. As the last collection agency XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX respond to my compliant I do not owe this monies and it was removed. Now again here we are I have spoken with XXXX they have no idea why they have this debt it was cleared up in XX/XX/XXXX. Then XXXX gave me a phone number that the account is associated with and I do n't or do not know whose number that is with. I want this removed from my credit reports immediately. There is a law in NY state that credit can not just be placed on someones credit report without first contacting them. I want Diversified to not sell off this account to another company so I do not have to go through this again. XXXX has ackowledge I do n't owe this monies and so did the last collection agency. A letter of apology is in order also. I want a letter stating that this was a mistake on there part so if it comes up again I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was current and then we had the government shutdown. Pennymac Sent me a letter advising I did not need to make payments. I relied on their letter and was unable to catch up but I did continue to make payments after they said I needed to start paying. Pennymac made statements in the letter that they did not honor.

( 1 ) " The forbearance plan will end XX/XX/XXXX at which time we will contact you to reassess your current circumstances and provide information on alternatives that may be available to you. '' - Pennymac never contacted me.

( 2 ) " At the end of the forbearance period, Pennymac will work with you to repay the amounts not paid during your forbearance period. '' - Pennymac has refused to work with me.
( 3 ) " We can review you at that time for an additional program to help bring your loan current, all according to your individual circumstances '' - This never happened.

Pennymac must have grown tired of the account remaining delinquent so they put me in Foreclosure. I never received a letter of intent to proceed from Pennymac. They put me in foreclosure and never formally notified me of such. They never provided me with a sale date. In fact when I asked for a sale date, they mislead me and tell me they don't know. I have called back 3 times to get a sale date and nobody knows ( so they claim ). I have to assume the sale date is XX/XX/XXXX since that is the next auction date. 

Steps I have taken : I have called Pennymac at-least 5 times to work this out voluntarily with them. Each time they refuse to accept payments. They told me the only way to get a repayment plan is to apply for a loan modification. They knew I did not qualify and they were having me apply for something they knew I would never qualify for. During the review of the modification, I lost my eligibility for a repayment plan because my account went over 5 months delinquent. I offered to pay and bring the delinquency down and they refused to accept payments. They are putting me in a position where I am going to loose my home. They are not trying at all to help me retain ownership of my home. Maybe one of their executives wants it. At any rate, they have violated FHA Servicing Guidelines and I am the one that will loose my home.  This should be illegal. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: GARDEN STATE HOME LOANS INCORPORATED
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Garden State Home Loans are committing fraud under the XXXX XXXX XXXX, by going forward with loans that you never signed for. I have a document from XXXX XXXX where he admits I never signed my final CD and he's trying to hold me beholden to it under a small TRID guideline, even though I did not want to move forward with the loan. Garden State is predatory and they refused to let the work they did on my loan go to waste, so they punished me. These type of actions are scary and companies that move with impunity like this are hurtful and harmful. Garden State knows I did not sign the CD to go to closing but are hiding that in a small paragraph at the end. They're a predatory company. 

What the company failed to mention is that the rate offered only came because I was having to buy points, or put down more money ( see XXXX  ), and those weren't terms I was willing to agree with or I would have signed a contract.

Their closing disclosure was also including debt that I already paid and had sent off to Garden State, they were luckily enough to include their email chains for me. 

The new CD included an additional {$300.00} to pay down the interest rate, these completely changed any and all terms of any agreement. I never signed another agreement after that, and in the mortgage world calling people guardian angels could mean you saw them shine their shoes with XXXX. There's a reason we require contracts, and the CFPB should hold you to that. He admits that I mentioned fear over the closing cost, and then DID not sign the closing disclosure. Yet he still went forward with it, this is a violation. 

As you can see they have my XXXX wrong, they were including debts already paid, and all together it wasn't a true document. 

And as XXXX XXXX said to me " Moving on '' when I brought up issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Diversified Consultants, Inc.
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I paid this bill with another collection agency at the beginning of the year. I have called thus company 3 times telling them I have paid this bill. They told me the first time I called which was soon after I paid it that it takes a while to get it off the credit report. The second time I called was a couple months ago and I was told it should be off soon and give it another 45 days. The third time I called which was today ( XXXX/XXXX/16 ) they said they do not know why it is still on there and they can not do anything about it and to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I attempted to add funds to my account using linked account, card ending in XXXX, several attempts made and error message received.. The messaged stated, due to technical difficulties, transaction can not be completed. I then logged out to see if logging in again might fix the error, another messaged appeared stating user name or password is incorrect which I know it is not as I have double and triple checked both. Despite this, I attempted to change password and was unable to do so, a message appeared stating due to inactivity for ten minutes, session has expired. It appears there is a technical issue with the web-site which needs to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: IL
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:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2020-03-14
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
XX/XX/XXXX - I financed a XXXX XXXX XXXX for {$18000.00}. I put {$1500.00} down which reduced the finance to {$16000.00} XXXX XXXX of Santander Consumer USA informed me of payments being sent were not processed as they should be because some payments were sent to XXXX and others in South Carolina. He informed me the payments had been rectified and would be placed on my report correctly, this was Thu, XX/XX/XXXX XXXX XXXX. 

Two years later, I was granted a hardship Re : Temporary Reduction in Payments on XX/XX/XXXX : SEE BELOW : Dear Your Temporary reduction in payment plan has been approved and processed. Your next 6 payments will be in the amount of {$280.00}, with the first payment due on XX/XX/XXXX. 

My payments are due on the XXXX of every month, I always pay early and I send payments via overnight delivery most times and sometimes I go in person to XXXX and pay the {$2.00} express processing fee for same day payment. Yet they are reporting me 30 days late effective XX/XX/XXXX and they cashed a check which cleared my bank account drawn on XXXX, XX/XX/XXXX. I overpaid the amount required. in the amount of {$300.00} XX/XX/XXXX - XXXX  of my family members were killed  tragically in a car accident XX/XX/XXXX - I contacted Santander and they extended the payments for the above mentioned amount through XXXX. They have not kept their end of the agreement and have breached and lied. They are reporting late, yet cashing the checks before they are due. Which one is it? I signed the e-agreement and they honored it. My balance on the car is {$13000.00} - but they are adding fees that are not just. The car was only {$16000.00} and I paid $ XXXX  monthly for the first three years. I only got a reduction in XXXX and they are giving false amounts to the credit bureaus. XXXX XXXX, XXXX I paid {$240.00} for XX/XX/XXXX at XXXX in XXXX XXXX, XXXX XXXX XXXX, XXXX I paid {$350.00} @ XXXX XXXX XXXX . This is proof I am never 30 days late, in fact I am early. Again, the payments are due on the XXXX of each month. 


Santander Consumer USA Inc. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have an checking and savings account with USSA. My brother and I have a joint checking account, but separate car insurance policies. Ussa completed a ACH of {$170.00} from my checking account to pay my brothers car insurance without my permission. I spoke with Ussa customer service on XX/XX/2017 and they would not give me specific information about whom authorized with ACH of {$170.00} from my check account and where this {$170.00} was applied to. I pay my car insurance of {$58.00} each month from my checking account. I was on the phone with Ussa supervisor for more than an hour without getting detailed information about this transaction. I spoke with my brother and he stated that he did not authorize Ussa to completed any ACH transaction from my checking or savings account. Ussa stated that I could not sign a fraud letter due to my brother being on my checking account as the secondary on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law under [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these late payment accounts on my credit report.

Furthermore, The FAIR CREDIT REPORTING ACT [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 624, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, THIS AGENCY IS IN VIOLATION OF 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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 2017-05-26
Company: EQUIFAX, INC.
State: SC
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:
Called Equifax and sent in driver 's license and social security card 2 time s. Information is   still not updated. I can not even view my report. The address for them to send the report is inaccurate on their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX Acct # 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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX Acct # 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 explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: CA
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 recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law under [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these late payment accounts on my credit report.

Furthermore, The FAIR CREDIT REPORTING ACT [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 624, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, THIS AGENCY IS IN VIOLATION OF 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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: Closed with explanation
Consumer complaint received 2022-03-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello Team, I have applied for Wells Fargo Active Cash Credit card Online ( Application # : XXXX ) with an excellent credit score on XX/XX/2022. 

Below is the Terms and Condition of that credit card published on the bank 's website. I have also downloaded a PDF copy of the Terms and Condition as of today, Just in case if, the bank change any clause while you are investigating on this.

URL - Terms and Condition XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nowhere in the Terms and Condition its mentioned that the credit card can only be applied by United States Citizens or Permanent U.S. Residency.

My application was moved to pending state asking for additional documents ( Two most recent pay stubs ) as part of the first review. I provided the same visiting the Wells Fargo branch ( XXXX XXXX XXXX, XXXX XXXX, CT XXXX ) on XX/XX/2022 XXXX PM EST ( I have the Fax Call Report shared by the bank ) On XX/XX/2022, I called the credit card department for the status and I was asked for additional documents ( Proof of Permanent U.S. Residency ) as part of the second review, Which was not a relevant document in my scenario, as am here in United States in a XXXX XXXX. I have also clearly selected that options on the online application form that am a citizen from a different country. 

I met with the Branch Manager, In-direct and explained the same.

While I was in the branch, the Branch Manager called the credit department and escalated the complaint ( Complaint ID : XXXX ) on XXXX XXXX. 

I received couple of calls from the respective escalation department. On the first call I mentioned all the above and I also informed that this credit card was approved for my friend who is the same XXXX category ( he is also a XXXX US citizen ) and they did said they will get back to me on validating this. On the second call, they again said they were not able to validate the permanent US residency of mine which is not a relevant document as per the selection I chose on the online application. 

Note : I can share my friend credit card account details with his consent I feel am not treated fairly by the bank ( Approving a credit card for a non-citizen with same visa status as mine and denying my application stating that they are not able to verify my permanent U.S. Residency when there is no clause mentioning the same ) Am seeking your help in further investigation on this matters as you have mentioned on your website that as a " Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions '' Kindly investigate and provide a fair Judgement.

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