BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: EVERBANK, NATIONAL ASSOCIATION
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
For most of XXXX, I held XXXX shares of XXXX XXXX in a brokerage account with TIAA.. 
When I received my income tax forms from TIAA, I noticed capital gains associated with the sale of the XXXX shares of XXXX. I was neither aware of or authorizing of the sale. On XX/XX/XXXX, I called TIAA ( XXXX ) and spoke with XXXX XXXX. He advised that the XXXX shares had been acquired by XXXX XXXX on XX/XX/XXXX. He checked my TIAA brokerage filed reported to me that he found no notice to me of the sale. I e-mailed XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX. I received an e-mail from XXXX XXXX, XXXX XXXX  Investor Relations on XX/XX/XXXX. XXXX XXXX reported that the merger was announced in a press release on XX/XX/XXXX. He indicated a XX/XX/XXXX press release announced regulatory approval of the merger. An XX/XX/XXXX press release announced the completion of the merger. TIAA did not advise me of any of these events. I remain completelyunaware of who authorized the sale or why, I, thenshareholderwas not consulted. I would not have sold the shares if I had known of the transaction. For documentation, I have TIAA Brokerage Account Year End Summaries showing the sale, a copy of the the XXXX XXXX  e-mail, and my notes regarding the XX/XX/XXXX phone call with XXXX XXXX. On XX/XX/XXXX, I filed a complaint by mail with XXXX. On XX/XX/XXXX, I called XXXX ( XXXX ) and spoke with XXXX. He advised that XXXX had no record of receiving my complaint and would not have contacted me anyway because " We run a completely impartial service. '' I find this investigation process to be completely unacceptable and instead filed my complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

Transunion still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /. 

XXXX all XXXX fro still having incorrect information 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 non-monetary relief
Consumer complaint received 2022-10-25
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a refund request on XX/XX/2022 to my loan servicer, Edfinancial, for my student loan payments made during the payment pause. The refund amount I have requested is XXXX dollars. I have called Edfinancial on XX/XX/2022 to see if my request had been processed by the company and it hadn't. I then called on XX/XX/2022 ( six weeks after submitting my original refund request ) to check again if my request had been processed and sent to the department of education by Edfinancial and it has still not been processed. When I call to inquire about the status of my refund request, the representatives are very reluctant to give me any details or timelines on when I should expect to have my refund request processed and sent to the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

XXXX still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /. 

Sue all 3 fro still having incorrect information XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
XX/XX/22 - chatted with Amex CSR through their chat function regarding offer of XXXX points to add authorized user ( husband to my account ) for annual fee of {$170.00}. She confirmed the offer and I signed up my husband. 
XX/XX/22 - {$170.00} annual fee was posted to my account No points to date. 

Separate issue : XX/XX/22 - saw offer in my online account to activate Pay Over Time feature for XXXX points and activated. Received email confirmation of activation. 

Numerous attempts to resolve the missing points issue with Amex via chat have been fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: FL
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:
Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The hospital reported a debt I have paid to the credit bureau. I have a copy of the check which the hospital cashed on XX/XX/2016. This hospital uses XXXX XXXX for in house work then bills from the hospital ; it, the account # starting with XXXX tells it from the XXXX. I have a copy of the paid bill I will submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have maintained excellent payment history and in good standing on all of my accounts. My credit scores across XXXX, XXXX and Equifax were in the XXXXXXXX XXXX when I applied for a new credit card in XX/XX/XXXX. I experienced a small drop in my score of XXXX points but my score quickly bounce back with regular payments. In XX/XX/XXXX, I suddenly experienced a XXXX drop in my Equifax credit score from XXXX to XXXX. I did not experience any such changes with XXXX or XXXX. I pulled my Equifax online credit report XX/XX/XXXX and there was no incorrect information to explain the change. I thought maybe the information might be delayed in reporting and I reran my credit report on XX/XX/XXXX. While my credit score did go up to XXXX, there was nothing on my credit report to dispute that would have caused the critical XXXX point drop. I reached out to Equifax by phone on XX/XX/XXXX to inquire as to why I had such a significant drop and they also could not explain the change. I was told that it is how their credit scoring worked and there was no way to dispute it unless I found incorrect data on my actual credit report. This is a critical issue because I dropped from a rating that is consider " very good '' to " poor. '' and this impacts my ability to obtain a loan with a good interest rate or even able to get a loan at all. Their answer for me to " continue with making my payments on time and monitor for any erroneous information '' does not explain what happened and there is no repercussions for erroneous reporting by Equifax. I did request to speak to a manager but they were not available. I also filed a formal complaint with Equifax to investigate but they were not able to give me a reference # for my complaint. I was simply told that it had been documented and they would send me a report of it. I am outrage that I am being held hostage to Equifax and they have no responsibility to the Consumer. Specifically that I learned back in XX/XX/XXXX, the company reported a " coding glitch '' that impacted the Consumer 's credit scores and there appears to have been no steps taken to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My HELOC from a number of years ago was transferred from XXXX to Ocwen as soon as the loan closed. In 2013 my Bankruptcy cleared the lein but the lein/Deed of XXXX was not reconveyed. The lien still reflects against the property. Ocwen says they dont have/never had that loan. they say they have nothing to do with the property. They wont provide a payoff ( even if I offered to pay it if needed ) and wont provide a reconveyance. I have provided documentation proving they did have the HELOC and they refuse to help. 
I am trying to complete a refinance and am getting no assistance from Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was given a XXXX XXXX XXXX and i was knocked out. While unconscious, someone used my phone and transferred money out of my cash app to their cash app. Im not sure how they got into my phone other than the facial recognition when I was passed out.. held the phone up to my face to unlock phone? But theres no way. this has never never never happened before. I reached out to cashapp to file a claim and they denied it and sent me the information they used For there review and determination and it was a piece of paper saying that the transfers went through and authorized. But there is no proof, and theyre not wanting to look it and investigate further. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I went to Homedepot in XXXX MA XXXX purchase some granite Countertops for my Kitchen. I was offered to finance the granite countertops at a promotion of 24 month interest free, the granite was purchased with a Home depot credit card provided by Citibank I was never given any paperwork since the transaction went through as a regular creditcard transaction and they asked me to sign the key pad and the lady at Home depot didnt read any terms of the transaction. I accepted the promotion but was not told that after the 24 months promtion ended I would have to pay the interest generated during the 24 month promotion period. 
the bank didn't fullfill their promotion and only gave me six months interest free. I called the bank and asked why did they changed from 24 months interest free to six months. the bank said it was a mistake and said they would fulfill the promotion to 18 months. I explained to the bank that they had offered me 24 months interest free at Homedepot. they said that they could only do 18 month and they never mentioned anythying about the interest it would generate at the end of the Promotion. In XXXX of 2023 I noticed there was $ XXXX of interest to the balance. I called the bank and tried to reason with them about the interest added. their response was that the promotion was over and that the interest was generated througth the 18 months. i explained that they offered me 24 month interest free at the store. and that the interest was never mentioned to me. the bank said that they could not extend the promotion because they had already extended from XXXX months to 18 months interest free. Citibank did not honor the promotion. i offere to keep paying the balance which was aproximately $ XXXX if they removed the {$1100.00} added to my balance I have always made payment and have always made payments exceeding the minimun that citibank would require monthly.I decided to cancel the credit card and have stopped making payments until they remove the interest that they added. my promotion has not reached the 24 month interest free that was offered to me and I was never told that the account would generate interest throughout the promion period, why did the offer me 24 months interest free if the account generates interest and that interest is added to the account. that is mileading. at the moment I am barely making ends meet and connot afford that extra {$1100.00} in interest. i can keep paying the original ballance if they remove the {$1100.00} interest plus the fees that the acount has generated up to present day. 

please 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 explanation
Consumer complaint received 2022-10-25
Company: Incomm Holdings Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 I purchased two {$200.00} dollar gift cards for a total of {$400.00} from XXXX. When I opened the Gift cards they had already been activated and had a {$0.00} balance. The funds were gone from both cards before opening them. I spoke with XXXX and they informed me there wasn't anything they could do and to contact the number on the back of the card. After opening the first card finding out the card had been active and the funds were gone, I decided I would film opening the second card and calling to check the balance. Once again, the card was activated and the balance was {$0.00}. I called Incomm Payments and explained the situation. I even explained I had Video of opening the second Gift Card and asked if I could send the Video or a link to the video so they could have the evidence. They were not interested in seeing the video. They informed me they would need to complete an investigation in order to process a refund. That could take up to 90 days. I filed a dispute for both cards on XX/XX/2022, as instructed with Incomm Payments ( Dispute case number XXXX ). I waited the requested 90 days, with follow up calls getting updates. I was assured this was just XXXX and I would be getting my funds reimbursed. On XX/XX/2022, I received any email with a letter attached notifying me that they were denying my claim and the case was closed. I tried calling but they said the case was closed and would not look into it any further. I reminded them I had video to prove the cards were activated and spent. They had no interest in the Video and insisted the case was closed. 

I would like to file a complaint against Incomm Payments and have the case reopened and my funds returned. I can provide the Video footage of opening Second Gift card and seeing the balance gone as evidence. I do also feel its odd the cards had all been spent at XXXX. The same place I purchased them. I do not feel an actual investigation was done. If so, I know they would have come to the conclusion the cards had been compromised. 


I Did have a case number with target but, agian they said there wasn't anything they could do. The XXXX number with XXXX is XXXX. 

Incomm Payments Case Number : XXXX Card Numbers Card XXXX : XXXX XXXX XXXX XXXX Amount {$200.00} Card XXXX : XXXX XXXX XXXX XXXX Amount {$200.00} Totalling {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mother, a XXXX in her late XXXX, is being lied to and mistreated by Shellpoint Mortgage Servicing. 
She applied for HAF funds several months ago. 
In the meantime, Shellpoint offered her 3 months of trial payments to lead to a mortgage modification eventually. 
She didn't understand that if she completed shellpoint 's offer and also signed a mystery mortgage mod, that she would be considered up to date and no longer would quality for HAF funds. 
I caught this error only after she made 3 trial payments, but luckily before she signed off on a 40 year mortgage mod. Yes, shellpoint is offering a XXXX with a perfect XXXX credit score a 40 year mortgage. 
Now that HAF is back on the table Shellpoint is lying about contacting the state reps working to give out HAF funds. 
They ar emaking up imaginary dates that they tried to contact the state giving out the HAF funds. 
Meanwhile the state reps are on top of things and it's clear that Shellpoint Mortgage is conspiring to trick customers out of receicing HAF funds. 
It benefits Shellpoint to trick people into mortgage mods over customers receiving upto XXXX in principal reductions. 
They need to be monitored and investigated asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I paid my student loans in full in XXXX of XXXX through FedLoan, closing my account. My account was going to be transferred to XXXX but then I got a letter from FedLoan stating that the transfer was delayed or cancelled & that they would contact me if that should change on XX/XX/XXXX. On XX/XX/XXXX or XX/XX/XXXX of XXXX I requested a refund of {$10000.00} of the {$10000.00} that I paid in full as part of the CARES Act. I was told initially that this would take 1 week or up to 1 month. I called again in XXXX to ensure that the request for the refund had gone through as I hadnt heard anything or received any confirmation. They told me it had gone through, but that the information I was given to me initially was wrong & it could be six months. They said it showed in their system the refund has been requested but that it had moved to the XXXX XXXX XXXX  & that was what the hold up was. I called a few days ago & the automated messaging on FedLoan said my loan had been transferred to XXXX. I finally got through to customer service & the agent ( # XXXX ) said it continues to show that I requested the refund & that the request had been sent to the XXXXXXXX XXXX XXXX XXXX. She said it also shows that my account was transferred to XXXX but that the refund would still be going through FedLoan because thats who I paid the account off with. I still have yet to receive any account related letters via email or mail to inform me that my loan with a {$0.00} balance was transferred to another loan servicer. Now I do not have any way to even check the status of my loan balance to see if I have been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: FL
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:
went to dealership was told in house financing but ran my credit with other companies without telling me 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

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 2022-08-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have signed up for paperless communication with XXXX. They sent me a mail notification that they required SSA-89 form. Since I missed that physical mail, my checking account was restricted on XX/XX/XXXX and all my credit card accounts with the bank were closed ( including 1 card which I had opened 2 months back where they charged me a XXXX $ annual fee ). 

On XXXX, I went into the branch and submitted the requested documents with a banker. At the same time, I kept calling the bank to lift the restrictions and process the submitted documents. After several calls, I am told that the documents were actually submitted to the concerned team on the XXXX of XXXX, even though I submitted the documents on the XXXX, and that it would take XXXX business days for the team to review those documents. Meanwhile both my wife and I have our salary deposited into that account but we can not access our money or pay our bills. 

I call them again on XX/XX/XXXX and learn that there was a signature page missing in the documents that I submitted and that my account will now be closed because the deadline to get the account re-opened was XXXX XXXX. No one reached out to me telling me that they needed more documents. They instead decided to keep my money and blocked all my transactions. 

This ordeal has caused significant mental harassment for both me and my wife. we have had to call all the places this account was linked for bill pay ( other credit cards, utilities, etc. ) and will have to pay significant fees across all of them. I am yet to receive a resolution and Chase continues to hold my money in an account that I can not access. 

I have been banking with them as my primary checking account since 2017 and my wife is also a joint account holder. No documents were requested from her and she was caught in this for no fault of her own. Please help me get this resolved.

Company response to consumer: Closed with monetary relief