BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/2021 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 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 2016-04-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX XXXX, XXXX, I made a purchase, with my Macy 's card in the amount of {$16.00}. I went home and did n't think about it. The holidays came and went and, on XXXX XXXX, XXXX, I received a letter from Macy 's ( no date ) saying that they had been unable to reach me for some time and alluding to me experiencing financial difficulties. I contacted the number on the letter ( XXXX ). However, the representative could n't access my account using my telephone number ( home or cell ). It was then I found out that Macy 's had incorrect telephone numbers for my account. The representative could n't divulge the numbers on file, but did tell me that they were not even in the same area code. I have had my home number and my cell phone number since XX/XX/XXXX, so I am confused as to why there were different numbers associated with my Macy 's account. It also appears that Macy 's did not have my email address on file. I was then told that I had an outstanding balance on my Macy 's card in the amount of {$140.00}. The representative could n't tell me what the purchase was for ( I did n't remember spending over {$100.00} at Macy 's recently ), but did tell me that it was for a purchase made in XX/XX/XXXX. I searched my receipts and found the one showing the {$16.00} purchase. Macy 's add added {$130.00} in late charges and fees onto my original {$16.00} purchase! Of course I questioned why I had n't received a bill for the original purchase and I was told that, according to Macy 's, I was receiving ebills. However, when I contacted XXXX XXXX, they confirmed that I had not received any ebills from Macy 's since XX/XX/XXXX. After much wasted time and phone calls, I was able to get Macy 's to reduce the charges to {$24.00}, which I promptly paid. However, my account has now been closed and I have been reported to the credit bureau for non-payment! Macy 's reported my payment as late to the credit agency without even notifying me that I had a payment due. It took them five months to notify me that I did not pay a charge for a bill that was never received! Macy 's had my home address. If I could not be reached by telephone or email ( through Macy 's own negligence ), why was n't I notified by mail sooner than five months?! In addition, I have proof from my bank that I never received a bill. I will take responsibility for forgetting the charge ( which is why I accepted the {$8.00} late charge to settle the account ). However, Macy 's was completely negligent for 1 ) not having the correct contact information ; 2 ) not verifying that the ebills were being received ; 3 ) not following up on the non-payment sooner than five months later. Upon checking reviews of Macy 's, I see that I am not alone with what happened to me. There are several people who are complaining about the same issue.

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 2016-08-12
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I had a loan with Citibank that was paid off in a short sale in XXXX 2011. 
Recently we attempted to obtain a new mortgage and were told that Citibank has been reporting us delinquent every month since XXXX 2011 and as recently as XXXX of this year. 
I have contacted Citibank dozens of times, sent pages and pages of documentation, talked to multiple service reps and they all say that they will get this corrected. It has been many months as recent as today, it is still on our credit report. Please help us to get this issue resolved. 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 non-monetary relief
Consumer complaint received 2017-03-13
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I bought out my lease from Chrysler Capital. The buyout was XXXX. 
I sent a check to Chrysler capital for XXXX which INCLUDED the New Jersey Sales Tax of XXXX. 

I received the Title for the vehicle alone with a " Bill of Sale '' stating I PAID NO SALES TAX. 

Now when I got to title the vehicle in New Jersey, New Jersey division of motor vehicles wants to collect the sales tax on the XXXX. I ALREADY PAID THE TAX TO Chrysler capital. 

I have proof of my cancelled check to Chrysler Capital in the amount of XXXX. 

When I contacted Chrysler Capitol they told me " THEY DO NOT KNOW WHERE THE MONEY WENT '' This I feel is unacceptable and deceptive as a business practice. They also sent me what I am calling a fraudulent document stating XXXX DID NOT pay sales tax, whereas I previously stated, I have a cancelled check showing the taxes were paid. 

I am unable to title or register my vehicle. I do not know what my recourse is anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Date : XX/XX/2020Amount : {$2300.00} I filed a claim against Bank of America for {$2300.00}. 

Unfortunately, I was robbed while in XXXX. During this event my wallet and phone were stolen. Once I was able to regain a new phone. I called XXXX XXXX. Which was the app that was used to send the money. I filed a claim against the transaction with XXXXXXXX XXXX. 
After they reviewed it. I learned that XXXX XXXX was strictly a third party and Bank of America approved and sent money. 

With this new information. I contacted Bank of America and explained the situation to the fraud and claims department of Bank of America. 

On XX/XX/2020 I filed my initial claim against an unauthorized transfer on my Bank of America account. 

This initial claim was disapproved on XX/XX/2020 

I called Bank of America to gain additional information about my claim on XX/XX/2020. 

Their reasoning to denying my claim is that I did not file the claim immediately and they noticed activity on my online banking account. 

In my defense, I stated I was robbed. I was unable to get a new phone immediately. Due to the global pandemic everything is delayed. 

I told Bank of America how the activity on the account was not me. I was out of a phone for nearly 5 days. Once I got a new phone and noticed the charge. I contacted Bank of America to file a claim as soon as possible. 

I have had this account with Bank of America for over six years and I have never sent this much money before. This large amount of money was never flagged or alerted. I did not receive an email stating that money was sent. The lack of accountability Bank of America is taking is very unprofessional. 

Today,XX/XX/2020 I reopened the claim. With hopes that the additional information given will get my funds back. Im also filed a claim with occ to make sure my case is taken seriously and thoroughly reviewed.

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 2022-01-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I put my mortgage in forbearance for 18 months. The forebearance period has no expired and now I have a larger mortgage to pay back. I was told forebeance is a pause on the mortgage. Why then am I now owing {$22000.00} more on my mortgage than before I entered forebearance?

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 2015-11-11
Company: CITIBANK, N.A.
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to get CitiMortgage to refinance an ARM mortgage which currently has a low interest rate. I have contacted CitiMortgage throughout the past few years while the interest rates were low to get out of this loan product. Due to the fact that my loan is not backed by XXXX XXXX and XXXX, they contend that they do not have any options. I have sent several letters requesting a lender option modifiction since the loan guidelines do n't meet their refinancing guidelines as I have been been told in the past. The goal is to get this mortgage in a 30 year fixed mortgage. I would like to the keep the property and have n't been late on the mortgage. If the interest rates rise higher, it may create a problem, depending on how high they go. I would rather be in a fixed 30 year mortgage which would be beneficial to both me and the lender for the long run. With your help, I am seeking relief in the form of consideration of a lender option modification which I am aware can be done since there are n't any guidelines to prevent CitiMortgage from doing so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The debt collector agreed to have items removed in XX/XX/2015 and they have not been removed. I am attaching the letters requesting removal from the collection agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
CitiBank has been negligent in refunding money that was fraudulent taken from my account. Allowing my account to be hacked was their responsibility. 
Money lost : XX/XX/2021 - criminal used my account to pay his credit card bill {$2600.00} XX/XX/2021- wrote a fraudulent check from my account {$3000.00}

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 2020-07-03
Company: Cottonwood Financial Ltd.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I had informed Cottonwood Financial/The Cash Store that I would be unable to make payments on my loan because I was out of work due to the pandemic. Theyre only solution was that I could put off 1 future payment, but I would be charged for two payments on the paydate. I thought they would honor a doctors note from when I first got sick. The store employess said they faxed it over but Cottonwood Financial did not respond. They continued to charge my card on various random dates, even though I made them aware I got paid on the same two dates ( XXXX and XXXX ) of each month. Its almost like they did it on purpose just so I could default on the loan. At one point I even became infected due to the virus and had to self quarantine. I provided them with a doctors note like they asked. They did not honor the doctors note and continued to charge my card which kept putting my bank account in the negative, which the bank would subsequently charge me a large fee for. It didnt make any difference what days I told them I got paid on. They intentionally do this so you can default on the loan. Since then, a small payday loan of {$600.00} is now valued at {$1400.00} that I would have to pay back because Cottonwood Financial repeatedly tried to access my account even when I made it clear there were no funds and the amount would bounce back.

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 2020-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contact by Portfolio recovery regarding a account via XXXX XXXX. Requested original information to validate debt and document claim, non has been received. 

Portfolio recovery than engaged " XXXX XXXX '' to settle this claim. Written and verbal communication to XXXX has gone unanswered. 

I also requested said reporting to credit Bureaus be removed until which time this can either be validated or resolved without answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Inquiries : XXXX XX/XX/2021 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 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 2016-06-20
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Citimortgage is being unfair in evaluating us on a loan modification. They are making it very difficult for us to keep our home and suggesting that we do a short sale when that is not what we wish to do. We were offered a loan modification back in XXXX of XXXX. We were told by XXXX that we may qualify for some government programs that was put into place by President Obama. When the paper work was submitted by XXXX it was declined and we could not understand this decision since we were offered a modification through Citimortgage back in XXXX. We have been passed around to three different representatives since our process began back in XXXX XXXX and each representative does not fully read our entire case file. I believe this leads to poor judgements and decisions on our behalf. 
I have attached a file with extensive details and facts.

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 2020-08-05
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Consumer Financial Protection Bureau & State of New Jersey Department of Banking & Insurance Complaint : Mischarged PMI ; Escrow Shortage Charges ; Escrow Late Fees Shellpoint Mortgage Servicing & XXXX Dear CFPB and NJDOBI, Please accept this as explanation of our request to file formal complaints with both the CFPB and NJDOBI against the two most recent former servicers of our primary residence mortgage, XXXX and Shellpoint Mortgage Servicing. 

As evidenced by the attached Escrow Analysis, we continued to pay monthly PMI insurance long past the required time based on attained equity in our home. We are requesting a refund of these overpayments. 

Also evidenced by the Analysis, we were being charged late fees for escrowed tax payments we were not responsible for making. These payments were entrusted to be made by the mortgage servicers so its not appropriate that we were made responsible for paying late fees incurred due to the mortgage servicers neglect in making timely payments. We are also requesting a refund of these late fees. 

Additionally, our monthly mortgage payment had increased annually for the past several years. Upon receiving the notices, we inquired as to why and were told the increases were to cover shortages in our escrow account. Were not mortgage specialists, only homeowners, but it seems reasonable to assume that its the responsibility of the mortgage company to properly forecast annual escrow requirements prior to the end of each calendar year. Likewise, although we can accept this type of error on a single occasion, this happened for many years which is unacceptable. Due to the obvious mismanagement of our PMI and the inappropriate transfer of late fees to fall under the realm of our responsibility, it seems likely that theres also something not right with the continuous annual escrow account shortages. Wed also appreciate an investigation into this matter and possibly a refund of these additional charges. 

It is important to note that we were not receiving annual escrow analysis statements from either mortgage servicer. At the request of our refinancing specialist, we recently had to call Shellpoint in the midst of the refinance process to obtain an Escrow Analysis copy. At some point in 2017, when our mortgage was still held by XXXX, we spoke with one of their mortgage specialists regarding the escrow shortages and with a request to eliminate PMI insurance. We were told we did not qualify to eliminate PMI. Knowing what we know now, that clearly that was not accurate and the information was grossly misrepresented to us. We reached our 78 % LTV and it should have been automatically removed. 

Your investigation into these matters would be greatly appreciated. 

With kind regards, XXXX XXXX XXXX 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 2015-10-02
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, I received a letter from Ally Financial inc.and Ally Bank, that they settled a lawsuit with XXXX government agencies -- the U.S. Dept. of Justice and the Consumer Financial Protection bureau -- over allegations of discrimination in auto financing. and that a credit will be reflected in my next billing statement. I was told that the credit would be applied to the principle, but when checking my ally online account history, the XXXX credits {$48.00}, of that {$24.00} went to finance charges, {$94.00}, of that {$47.00} went to finance charges. QUESTION : Is n't that whole amount to be applied to the principle?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
They took XXXX I had in my Venmo account was sent to other account filed proper complaint and nothing was done nor did they give me explanation I never authorized this payment nor do I know the user it was an unauthorized transaction

Company response to consumer: Closed with explanation