BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting 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 am now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. 

I have sent WELLS FARGO an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX, XXXX AND XXXX WELLS FARGO is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. 

Per 16 313.15 Other exceptions to notice and opt out requirements.

( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE MY WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as 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 2023-12-28
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX, XX/XX/XXXX Did not provide letter for actions taken on account and reported negative to bureau without dispute statement attached. 
Received adverse letter XXXX  months after the account was opened and said it couldn't grant the amount requested. I didn't request any amount. I applied to get a line for vet bills for my service dog. Checked account after established and found their actions. Was unaware. Rep stated because of account review and report pulled. 
Lost my girl Asked for cease until we could resolve. Had about XXXX contacts after that date of acknowledgement. 
Payments credited to a XXXX XXXX  XXXX. 
I don't know that business They confirmed and said it was to their gate credit but payment history reported validated as well as email receipt.. 
No adverse actions letters from synchrony for XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. All pulled and no letter of action. XXXX times total. When I requested I received this letter and I was clear over the phone with request. All listed under, banks 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 explanation
Consumer complaint received 2024-01-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is in reference the CFPB Complaint XXXX that did not address my complaint and closed the case. 

Home Depot Citi Executive Response Team keep claiming that they have sent a request to XXXX to change an inquiry to non-display. 

This notification has been sent at least 3 times since XX/XX/2023 

XXXX claims no such request was received My Complaint is why is Home Depot Citi Executive Response Team just resending and not INVESTIGATING why this is happening? 

Is the process to SEND messages? Or to COMMUNICATE a message? Is it not important to have tracking and confirmation of receival embedded in their process?

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 2024-01-17
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX
Product: Credit reporting 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 obtained a copy of my consumer report from this company that I NEVER gave them any authorization or approval to furnish this private information.i offer my testimony herein that I have not I have not authorized or given anyone access to my private and confidential records and certainly not the information youre reporting.

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 2024-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a Bank of America customer, with both a checking account and credit card, for over 20 years. Last month ( XXXX  XX/XX/2023 ), BofA closed my credit card with no warning for not using it recently. This is despite them having a number of ways to contact me : email, phone, in-app notification, etc. The card 's closure had a severe negative impact on my credit score because it was by far my longest tenured card. I never would have allowed it to be closed and would have made use of it immediately if I had been properly notified that it was at risk of closure for lack of use.

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 2024-01-17
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Insurance company is trying to negatively impact my credit when I already paid for months used. 

XX/XX/ {$300.00} I have been disputing this for a while and it should not be on my credit report at all.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX, I purchased a TV from BestBuy and the experience from beginning to end has bene terrible. When I purchased the TV, the BB agent told me about their Citibank credit card which was XXXX % APR for a year, so I signed up. I checked my account today and noticed that BB has been charging me interest on purchases so I called and the person that I spoke with said that the XXXX % APR only applies to certain promotional purchases. 

This is extremely sneaky and deceptive. This is not what I was told and if they told the truth from the beginning, I would have never signed up. I want the {$96.00} interest they have taken from 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 2024-01-20
Company: CCS Financial Services, 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: Problem with personal statement of dispute

Complaint:
i am attaching the progressive insurance identification card, Effective date and Expiration date. 
And XXXX XXXX identification card Effective Date. 

i asked CCS to give me the exact date of the call i made to cancel my progressive car insurance, and they told " we don't have the exact date ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Between dates XXXX I inquired about a debt that I was not aware of to CCS Collections . In attempt to get my credit right, there was an expectation that they would remove the collections on my credit report if I paid. I paid on XX/XX/scrub>XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I discovered that Bank Of America ( BoA ) had been charging me {$25.00} monthly maintenance fee for my checking account since XX/XX/XXXX to present day, for a total of {$75.00}. BoA never notified me they were going to charge this fee. When I called customer service they said " On XX/XX/XXXX BoA made policy changes to all acounts and BoA is not required by Law to communicate these updates to customers. The {$25.00} monthly maintenance fee is mentioned on page 63 of our service agreement ''. Reading through many pages of BoA 's service agreement on a daily basis to see if any changes have occurred is both unreasonable and unfair. BoA also changed my bank statement settings from Paper to Paperless without my knowledge and consent.

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 2024-01-20
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXXXX/XX/XXXXumpqua bank XXXX XXXX XXXX XXXX mortage but it say external XXXX XXXX i log in want to look at statement cant never click in the date when i want to change setting it say it will go back the what it was i cant change my phone number XXXX recieve 2 debit card activate none of them it work it say unvalid cvv not macth with the card link bank and then get kick out XXXX just recieve the card but card loom like it been use not like a new card call the customers service it direct me to different number and sent me around withouf asking for my info XXXX are the same as the other 2 i cant change any of my profile specially when i change the address or phone it kept jump the white page and freze up

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 2024-01-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I closed a conventional home loan ( XXXX yr ) with XXXX XXXX in XXXX, the loan was transferred to be processed by NewRez in XXXX of XXXX. 

After my loan was transferred I am NOT ABLE TO access my loan online on NewRez.com or through the app, this is causing me inconvenience as I need to change online payment amount and bank, I have contracted XXXX customer service at least XXXX times in the last XXXX weeks -- they are completely clueless, incompetent and unable to fix. this problem I have send several emails to XXXX with my load details and haven't heard ANYTHING back NewRez needs to either fix this issue & give me monetary credit for my time, energy or transfer the loan to another processing company immediately ( by 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 2024-01-13
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new Citibank account on XX/XX/2023 with a {XXXX bonus offer. 
I called the customer services in XXXX to see when I would receive the bonus. The bonus never posted.

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 2024-01-13
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sent letter to company for validation on XX/XX/XXXX company hasnt responded or provided validation as of today XX/XX/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 2024-01-13
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting 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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : CITIBANK NAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : WFXXXX XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.

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 2024-01-16
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I contacted Mr. Cooper on XX/XX/XXXX for a modification package. I contacted my single point of contact using information from a QWR letter mailed to the servicer in XX/XX/XXXX. The single point of contact number in the letter was incorrect. I was not routed to my single point of contact. Instead i was given an automated message to call a different number. I waited on hold for about 10 minutes. The representative picked up the call and asked me to verify the information on the loan. I requested a modification package from the representative. The representative talked for several minutes and said i needed to have my attorney contact the servicer. I do not have an attorney and i only am asking for a modification package to be sent to my mailing address. I then asked again to be sent a modification package. I was not told where to find a modification package or how to get a modification package. I was only told that my attorney needs to contact Mr. Cooper. I am representing myself Pro-Se and have not retained an attorney for this matter. So, I again requested a modification package. The representative told me on several occasions that she would not send me a package. I spoke to the representative until XXXX XXXX EST and was not provided any information on the modification package or how to obtain a modification.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Dispute of Late Payment on Credit Report Dear Credit Bureau I am writing to dispute late payments reported on my Experian credit report. According to my records and to the best of my knowledge, I believe this late payment reporting is inaccurate and requests a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I am entitled to dispute any incomplete or inaccurate information in my credit report and request that it be corrected or removed if it can not be verified. 

The specifics of my dispute are as follows : Account Name : XXXX XXXX  XXXX Account Number : XXXX Disputed Entry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I believe this late payment is a mistake because payment was made on time, there was an error in the creditor 's system. 

In accordance with the FCRA, I kindly request that you investigate this matter with the creditor and provide me with the following : Verification of the late payment, including the date and amount. 
A description of the procedure used to determine the accuracy and completeness of the information. If the information is found to be inaccurate, I request that it be removed or corrected immediately. I understand that under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. I expect to receive a response from your office regarding this matter as soon as possible. 

Thank you for your attention to this matter. Please send me a written confirmation of the receipt of this letter and the results of your investigation. 

Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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