BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
on XXXX XX/XX/2021, Wells Fargo opened an account with my name even though all 3 credit bureaus credit were frozen years ago. On XXXX XXXX, i contacted Wells Fargo and told them the accounts were opened fraudalently. 

Again on XXXX XXXX Wells Fargo opened another account even though all credit bureau accounts were frozen years ago. On XXXX XXXX I contacted Wells Fargo re account opening illegaly. 

On XXXX XXXX, i contacted Wells Fargo and asked them to make an annotation never to open an account in my name. They said they would make a note of it. 

On XXXX XX/XX/2021, I received notification Wells Fargo again opened accounts in my name online with all the credit bureaus frozen.

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 2021-01-14
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back ground : I have been a Citibank customer since XXXX. During this time I have never paid a XXXX of interest and have paid my bills on time. Without warning they cut off my credit creating a nightmare because it is my only card and many payments like insurance are taken off this card. 

Details : Because of XXXX the mail has been very late. the Citibank invoice for XXXX was sent on XXXX but not received until XX/XX/XXXX. In that time I called and requested another invoice ( did not happen ). The full payment check was sent on XX/XX/XXXX, the day after receiving the invoice. It has not gotten to Citibank. 

Consequences : I can not use my credit card. 
Several services have been cancelled because the card on file ( Citibank XXXX was suspended. 
I have gotten an email that my credit score has gone down. It was in the mid 800 's. 

What I have done : I have called numerous times. I believe that I have talked with agents who are in XXXX. I have endured long wait times only to be cut off. When I did get through, I was told to pay {$35.00} late payment toward the payment. I respectfully declined. They have also charged me {$91.00} in interest. 

Conclusion : We have all been affected by COVID and had to make adjustments. Citibank has not taken the steps to deal with this crisis. Why would Citibank suspend my card without telling me? Why can't I deal with someone who has the authority to make decisions? It seems that the rules are hard and fast. With all the circumstances of our time, why is Citibank not more flexible? I now owe the original {$1400.00} plus {$91.00} in interest plus {$35.00} late fee for our XXXX invoice. The XXXX invoice, which should have arrived has not so this will be an additional problem. I can not speak to anyone to solve this problem. My credit score will continue to be affected. This is a nightmare! 

THEIR CUSTOMER SERVICE LEAVES A LOT TO BE DESIRED! 

XXXX XXXX XXXX XXXX 37 year customer of Citibank

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 2021-01-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS Servicing refusing an additional 6-month forbearance per CARES Act guidelines even though my mortgage is held by XXXX XXXX, as recently as XX/XX/XXXX. This is my third complaint on this matter. Refer to Complaints XX/XX/XXXX ( CFPB XXXX ) and XX/XX/XXXX ( CFPB XXXX ). Principal balance : {$26000.00} Nothing in my credit history indicates me as a credit risk. No late payments or non-payment on mortgage during the time periods with SPS or XXXX before them and few on XXXX  XXXX XXXX before them ( when in XXXX I missed payments and requested an adjustment, which became a re-finance ). Thats 20 years of good payment. There is nothing in my history to indicate that I am not a good payer of my debts. 

In XXXX, I asked for a payment deferral by SPS and that was done ( It was not the first forbearance as Ms. XXXX XXXX XXXX XXXX stated on Tuesday, XX/XX/XXXX. I requested a formal 6-month forbearance provided by the CARES Act in XXXX and was eventually accepted ( with a lot of effort ). At that time, there was no mention that my account was not subsidized by XXXX XXXX. In fact, XXXX XXXX does hold that and if default happens, they guarantee the loan. So, XXXX XXXX is the investor they keep talking about. 

I made the 2nd forbearance request early. I started in XX/XX/XXXX and was told by Ms. XXXX that it was too early. I made again in XX/XX/XXXX and then again the first of XX/XX/XXXX. In the interim, SPS set up a Loan Modification to forestall my getting another 6-month forbearance as I had requested. 

Therefore, I am asking again that my request for the 6-month forbearance extension by SPS be honored and initiated for XX/XX/XXXX to XX/XX/XXXX during this time of extreme hardship for me. I think they have all the information to honor this request including the telephone call script with Ms. XXXX on Monday, XXXX XXXX, XXXX. 

My request to CFPB is that instead of just passing letters back and forth that you really read the information I have provided and intercede on my half and enforce and protect. It is not my wish to start making late payments at XXXX, nearly XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2019-06-22
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CHARLES SCHWAB CORPORATION, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Schwab account was suspended between XXXX XXXX XX/XX/XXXX. Schwab has sent me an email requesting to confirm my address on XX/XX/XXXX. I have replied to this email with my bills attached on XX/XX/XXXX. Schwab has replied to my email stating that they can not receive email from an unsecured channel therefore I forwarded my information to customer representative 's email that I was on-call with. 

I called Schwab multiple times to resolve this issue since then but every customer representative has said that the fraud department is processing an investigation and that they can only rely on their email reply. 

Ever since then, all I am being told is to wait and wait. It has been 2 months now and I still do not have access to my funds in my checking account and my brokerage account. I have stocks investment in the brokerage account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent XXXX charges from XX/XX/XXXX, XX/XX/XXXXay 1 and May 2, 2021 appeared on my Jet Blue Mastercard. On XX/XX/XXXX when I first saw the pending charges from XX/XX/XXXX and XX/XX/XXXX, I called Mastercard and advised them not to authorize the payments. While the XX/XX/XXXX charges were not authorized, the XX/XX/XXXX ones were approved. On my XX/XX/XXXX statement there were other fraudulent Uber charges. In all, they amounted to over {$130.00}. I have called Mastercard several times. They have twice removed the charges and then placed them back on my account. 
When I received my most recent bill,, there were still {$120.00} in unauthorized, fraudulent Uber charges that were never made by me or my son who is an authorized user. What is most disturbing is that the Fraud Investigations agent who I contacted by phone on XX/XX/XXXX, by the name of XXXX, told me that her notes indicate that all Uber charges on my account, totaling over {$130.00} were not valid according to the notes from my previous 5 calls, and she couldn't explain why they were first taken off and then put back on my most recent statement. When I asked for a supervisor, she said none was available and it would take several days to contact one to reach out to me. 
I told Mastercard on several occasions the source of the fraudulent Uber charges. My son made a purchase from XXXX XXXX on XX/XX/XXXX for his XXXX XXXX XXXX graduation. He received a letter dated XX/XX/XXXX from XXXX stating that many students who purchased from XXXX XXXX had fraudulent charges on their credit cards. XXXX XXXX was hacked and also contacted my son to acknowledge this. Despite having this information that I provided both verbally and in writing to Jet Blue Mastercard, {$120.00} of fraudulent charges appear on my latest statement dated XX/XX/XXXX. I have no confidence in Mastercard 's ability to resolve this matter. I also mailed to Mastercard a copy of XXXX 's letter proving the fraud. Neither I nor my son made any Uber charges ever on my Jet Blue Mastercard. All should be permanently removed from my account and I should be reimbursed for at least one that I mistakenly paid with my XX/XX/XXXX statement.

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 2021-01-14
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX my house was burned down due to a fire. The firefighters had no control over the fire due to it being on fire for more than 20 minutes. The house was very small in the XXXX XXXX, NC near XXXX XXXX. I reported the disaster to the satellite company which was providing cable services at the time and sent in the fire report, XXXX XXXX report, and the MP report. I was told by the rep. that all was forgiving due to it being a natural/ unintended disaster. I have disputed this for the last 5 years because it is holding me back from buying a home, getting a car, or just applying from credit cards. Every time I dispute they refuse to remove it from my credit report. I.C. SYSTEM, INC has been charging {$280.00} for a situation that was handled in 2014. 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 2023-11-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see attached letter which has all the dates and amounts. In a nutshell, I discovered XXXX charges that I never made. Reported them to Truist immediately. They investigated and ascertained that they were scam charges. The credited me with the smallest of the offending charges ; some $ XXXX. They have never did anything about the XXXX larger charges. About XX/XX/2023, I received XXXX letter from Truist saying that they would credit XXXX amounts inspired no doubt by my previous complaint ( XXXX ). 

To date no credits.

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 2021-06-29
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, I was placed on a deferred payment arrangement, for 24 months, totaling a monthly payment of {$3300.00} per month. My original monthly payment was {$2700.00}, before the deferred arrangement. 

I have continue to make my monthly payments on time, I have also made additional payments during this period of time. 

Citadel transferred my loan to their XXXX XXXX Citadel XXXX in XXXX, therefore the situation only got worse. I have made hundreds of calls trying to address they're mistakes. 

1. They were not reporting payments made to the credit agencies. 
2. they reported me late in XX/XX/XXXX. 
3. They did not honor the deferred payment arrangement and reported me as late to the credit bureaus.

4. My credit score has dropped 169 points.

5 My mortgage states still shows the full amount of the deferred amount as due.

6. They are also charging me for hazard insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTIN DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 I have report your company to consumerfinance.gov As  a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: AES/PHEAA
State: MO
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 am attempting to qualify for the Public Service Loan Forgiveness program. I believe I have made my 120 payments. My loans were consolidated with XXXX XXXX in XXXX of XXXX. According to my studentaid.gov account I can see that my loan status was in repayment as of XX/XX/XXXX. My servicer at that time was XXXX XXXX XXXX XXXX, until it was transferred in XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX are not currently counting towards my PSLF according to FedLoan. They are listed as being under manual review. I initially requested this manual review in XXXX of XXXX and it has not yet been resolved. 

I submitted my application for PSLF this month, because if the payments from XX/XX/XXXX through XX/XX/XXXX are included I have now met the 120 payments for forgiveness. FedLoan 's response was that I currently have 108 qualifying payments because those 12 are considered ineligible. However, they have not yet determined if they are eligible or not since they are still pending manual review. 

I have no documentation available from XXXX XXXX XXXX XXXX because it no longer exists and all of their email communication just directed me to my inbox on their website. I do have my bank account statements showing my payments from XX/XX/XXXX through XX/XX/XXXX and can possibly request older ones from my bank if they still have them. I do know that I was on the income-based repayment plan at that time. 

When speaking with FedLoan to resolve the issue I was told that the manual review from XX/XX/XXXX is still in process and they are still waiting for information from my previous servicer. They have no indication on how long this can take, but indicated that 18 months is not the longest they have seen it take. My servicer that has the information they need is 3 servicers ago, so I don't think that contacting my most recent servicer will get them the information even if they wait another 18 months. The information should be available to the federal government since it was the XXXX XXXX organization that was directly servicing my XXXX XXXX at the time of consolidation. 

My student loans should be able to be forgiven at this time as I have made my 120 payments on appropriate payment plans. I think it is unacceptable that FedLoans can take 18  months to review this information without them having any more efforts to resolve the concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
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 regarding my Citibank credit card ending in XXXX, ( 1 ). On or around XX/XX/2021, a payment of {$9500.00} was made to this account from a friend of mine. 

( 2 ). On or around XX/XX/2021 when I checked my account statement I found that the payment was reversed. The description is " REVERSE PAYMENT POSTED IN ERROR ''. 

( 3 ). I called customer representative on XX/XX/2021 and the customer representative told me that the payment was returned because of name mismatch and the fund was returned too.

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 2019-06-22
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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