BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Frost bank called and informed me of a banking account that was opened fraudulently. I have a credit freeze on all 3 credit bureauxs and this last week I lifted the freeze because me and my husband are applying for a loan for an RV. I received an email from frost bank stating an account was opened and I thought it was spam so I didnt look into it further. I received the phone call today from frost bank. I was told the account was opened using all of my information including social. I am concerned about this because when I lived in XXXX, Tx my car was stolen along with my identity a police report was filed but Im not sure if they found the people and I never got my stuff back. I had left my wallet in the car so my social and drivers license and passport were all in the car when it was stolen. This happened in XXXX of 2018. The banker said they used my XXXX address to open the account. I am concerned that the people who opened the account are the people who stole my car. The banker encouraged me to file this report. The account opened was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to Shellpoint Mortgage Servicing and it has been one issue after another. They called asking for a XX/XX/2023 payment when the RESPA letter indicates all payments beginning XX/XX/2023 are due to them. I had already paid my XX/XX/2023 payment early to XXXX on XX/XX/2023. I told them they needed to ensure the data transfer of the payment due date was corrected. It was out on me to prove I had made the payment. I then sent in proof of payment to their XXXX so they could research it. Naturally, I never heard back from anyone. Now I am going on 20 days since the serving transfer and still have no access to my online account with them for payment processing or account review. They have continued to tell me each time to call back if I still cant access in the next 2 to 3 days and now 20days later, nothing. Shellpoint Mortgage a division of Newrez should be contacted by the bureau immediately and resolution demanded on my behalf as it appears that since I have a XXXX hard Prepayment Penalty they will just treat me like XXXX as what choice to I have but to stay with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In response to a widely publicized promotion, I opened a checking account at CitiBank on XX/XX/XXXX. In accordance with the rules of their promotion, they pulled a little over {$50000.00} from two of my other financial accounts. In return, they were to pay me a bonus of {$700.00} after the money had been on deposit with CitiBank for 60 days. 


On XX/XX/XXXX, they sent me a letter saying they were closing the account, but gave no explanation. When I called on XX/XX/XXXX, they still had no explanation, but said they would be returning the money to the accounts they pulled them from within a few days. When I called them early today, they acknowledged they were still holding my money for no particular reason, but they said they would send me a check by snail mail in about two weeks. 


At this point, I feel I have been defrauded. They snookered me into depositing a lot of money in return for a bonus they now don't want to pay. They had no reason to close the account, and now they refuse to return my money. I don't want them to send me a check, because I don't want to take the chance of it getting lost in the mail, which would cause a whole new set of problems. Why can't they just return the money to the accounts they pulled it from, just like they told me they would? 


Finally, I was shocked when I looked at your database to see how many similar complaints have been filed against CitiBank. This caused me to dig a little deeper, and it turns out the internet is littered with complaints about CitiBank burning customer like this. Here are some : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXXXXXX 5. XXXX XXXX  XXXX 6. XXXX XXXX XXXX In fact, the XXXX XXXX XXXX wrote an article ( XXXX XXXX XXXX ) about CitiBank screwing customers over like this going back to XXXX. 


And the XXXX XXXX XXXX now reports they have received so many complaints about CitiBank, they cant publish them all ( XXXX XXXX XXXX ). 


CitiBank 's misconduct has been so longstanding and so egregious that it is now time ( or past time ) for the CFPB to take strong and effective enforcement action to stop their continued abuse of helpless and innocent consumers.

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 2023-07-25
Company: I.C. System, Inc.
State: MI
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:
XXXXXXXX XXXX placed a debt on my report that does not belong to me

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 2023-07-24
Company: DISCOVER BANK
State: CA
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:
UNAUTHORIZED CHARGE ON XX/XX/23 FOR {$5700.00} AND DISCOVER IS NOT ASSISTING ON THIS FRAUD CHARGE- I CALLED THEIR CUSTOMER SERVICE AND FRAUD DEPARTMENT AND GET THE RUN AROUND- HAVE BEEN HUNG UP ON 4 TIMES- I NEED THIS RESOLVED NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
As of XXXX/XXXX/2015 at our third modification meeting, we had met with bank represanative XXXX XXXX for Nationstar XXXX mortgage Servicer XXXX Mediatior XXXX, our Realtor & attorney present. During this meeting we were told specific steps by the bank we needed to follow to proceed with short sale. XXXX/XXXX/2015 House on Market. XXXX/XXXX/2015 received cash offer on house same day as mediation. XXXX called bank & bank counter offered & stated higher amount needed to settle with bank. XXXX/XXXX/2015 Cash Buyer agreed to new terms. Offer pending since XXXX/XXXX/15. BPO done on XXXX/XXXX/2015 .XX/XX/XXXX15 Home Search notified our agent of an auction on property. XXXX/XXXX/15 Cash Buyer cancels offer due to auction. Auction Dates XXXX No offers. Porperty still on market XXXX/XXXX/2015 Home Search notifies realtor of new auction. Auction Dates XXXX. XXXX received notofication from XXXX XXXX short sale coordinator that short sale purchase agreement auction has been received.XX/XX/XXXX Offer sent to us & our attorney. XXXX Attorney has concerns about agreement : stating who is the " Seller '' and also Escrow Date of TBD. Also emailed XXXX XXXX coordinator concerns so she could forward to Nationstar. Meantime Home Search ( Auction site XXXX contacting Auction Buyer stating they want to close in 15 days. Buyer notifies our realtor of correspondence. No correspondence/contact to XXXX XXXX XXXX short sale coordinator ) our Realtor, our Attorney, from Nationstar or Home Search. XXXX Nationstar requesting new BPO??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Trading was disabled on my Binance.US account in XX/XX/2021 due to a {$200.00} chargeback, which has since been successfully reprocessed. 

I have submitted multiple tickets to Binance.US Support but all the tickets were auto-closed without any comment or resolution. I have tens of thousands of dollars - USD - in my Binance account that I have been unable to withdraw or use to trade for the past 60+ days.

I need help to retrieve MY money. I have an open ticket # XXXX for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: TX
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX weve been having problems with our mortgage company saying that we are a month behind on our payments, Ive been making double payments every month and according to my credit report there saying that I havent been making any payments.When I went on the website because I dont receive any monthly statements I noticed a lot of our payments have been going to escrow but it doesnt brake it down as to what and back in XX/XX/XXXX when our mortgage company changed from XXXX to Lake view we never received anything in the mail about the change until a bill came stating that our payment was late.Whenever we call to speak with someone were on hold for hours and a couple of times when Ive called to make a payment they tell me that unless I make a double payment I cant make a payment they wont except it.We are trying to refinance through another company right now and because of the credit report bringing me score down Im not able to get out from under them.

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 2023-04-27
Company: EQUIFAX, INC.
State: PA
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:
I am writing to file a complaint regarding two closed accounts and three unauthorized inquiries on my credit report. I believe that these items violate the Fair Credit Reporting Act ( FCRA ) as well as the 15 USC 1681 statute. 

The closed accounts are as follows : XXXX XXXX - XXXX, which was opened on XXXX XXXX XXXX. 
XXXX XXXX - XXXX, which was opened on XXXX XXXX XXXX 

I DEMAND that these closed accounts be removed from my credit report as they are no longer active and are therefore not relevant to my current credit status.

In addition to these closed accounts, there are three unauthorized inquiries on my credit report, which were made by XXXX XXXX XXXXXXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not authorize any of these inquiries, and I request that they be removed from my credit report as they are negatively impacting my credit score and creditworthiness. 

These items violate the FCRA and the 15 USC 1681 statute, and I request that you investigate this matter and take appropriate action to rectify the situation. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: U.S. BANCORP
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I made an online purchase for {$17.00} from XXXX XXXX XXXX. The telephone number is XXXX. When I did not receive the item about a month later I called and the phone number is disconnected. I can not find the company. 

My complaint is against US Bank XXXX. I called to dispute the charge and originally they took it off while they investigated. This was in XXXX. Then on XX/XX/2020 they re-charged it and I got a letter saying I agreed to the charge. THAT IS FALSE - I NEVER AGREED TO IT BECAUSE I NEVER GOT THE MERCHANDISE AND THE COMPANY DOESN'T APPEAR TO EXIST. 

I also had another charge that was fraudulent and apparently they determined that this wasn't fraud because I ordered it. BUT I said I wanted to dispute it. 

I have called numerous times and I keep being told that is it being investigated and a supervisor will call me back - NO ONE CALLS ME. They also say they can not take it off my charge because they took it off once. This has been going on since 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was a hard inquiry completed by XXXX XXXX on XX/XX/23 under my identification : Trans Union reporting : best resolution is to hard inquiries remove from the Trans Union reports from XXXX XXXX - submitted XX/XX/23

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 2023-07-25
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-01-15
Company: Experian Information Solutions 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  Accounts Original Creditor : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each of these accounts 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 non-monetary relief
Consumer complaint received 2021-04-20
Company: U.S. BANCORP
State: TX
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:
From XX/XX/XXXX to XX/XX/XXXX, my U.S bank cash plus credit card was hacked and used to purchase things from " XXXX '' from XXXX which I never heard or known of for total of XXXX . I contact U.S bank on XX/XX/XXXX to report fraud, US bank representative helped report to fraud department and lock the card for me and send me the new one. U.S has put provisional credit for the amount I have been stole. However, on the next couple days, I checked back my account and I saw U.S bank has reversed all of the credit they gave me and now I have a balance of XXXX XXXX My account balance was XXXX before the incident. I called U.S fraud specialist name is XXXX and she told me that she does not think it is fraud and she told me to investigate on my end. This is very frustrating for me and depressed. I contacted the merchant by XXXX and email them. They even said " you may have stolen credit card information '' and they told me to contact the issuing bank. Here are the following charges on the account that are not authorized, these are not included the foreign fee they are included for each transaction : XX/XX/2021 - {$210.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$520.00} XX/XX/2021 - {$340.00} XX/XX/2021 - {$390.00} XX/XX/2021 - {$430.00} XX/XX/2021 - {$430.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$390.00} XX/XX/2021 - {$130.00} XX/XX/2021 - {$560.00} XX/XX/2021 - {$640.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$600.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$540.00} XX/XX/2021 - {$120.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$300.00}

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 2021-04-15
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 I had one late payment in my credit cards with Sears CBNA. Before that and until now I have always pay on time and I have been responsible. During that time I had a life changing situation that cost me a lot of money. After that I have always pay on time. This one late payment is affecting my credit score big time. Can you please consider removing this one late payment on my card? I Have always been a great customer and I will never pay late ever again. I am working on getting a new car and removing this late payment on my card will help me get approve. Thanks for your 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 2022-03-05
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

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