BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-18
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a saving account to compliment my existing credit card of over twelve years at Citibank. I funded the account by linking my XXXX savings account. The Citibank account was in my name only. I needed to add my wife so I called and requested a beneficiary form. Upon receiving the form in the mail I learned that I could not designate primary and contingent beneficiaries, which was unacceptable to me. I then called the bank and asked for forms to add my wife as a joint account holder. This called was hindered by background noise and a speech clarity problem on their end. We were both constantly having to repeat each other. Then he asked to speak to my wife and began asking all kinds of questions and it was difficult to understand him. Out of frustration, I politely ended the call and decided I would just close this savings account. From what I can tell that triggered a fraud alert that they refuse to release. They have locked me out of online access and the phone app access. I have called the fraud dept and was transferred to a man who said I had to wait for a reference number coming by email. He said it was already sent. Then he said mail. I asked if he meant US mail. He said no, email. I said I didn't receive it and it is not in my spam folder and asked for it to be resent. He said I had to wait for it. This went back and forth and he just kept stating I had to wait for it. I insisted if it was sent I should have received it. 

I have not received the email. I have identified myself by answering all security questions properly. No one from Citibank has contacted me by my longstanding email and phone numbers of record about this issue. I have begged that they simply transfer the funds back to my linked saving account at XXXX. They refuse to do anything and appear to be stalling. I have at least eight calls into the bank on this and no one will release my funds. This fraud lock is the result of a process that I initiated. SOMEONE there should be able unlock my account and transfer MY funds to me. All I want is the funds in the account transferred to my linked XXXX Savings and my account and relationship with Citibank terminated.

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: CITIBANK, N.A.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX a credit card was processed without my consent to CBNA. I reported this fraudulent activity to CBNA on XX/XX/XXXX. The credit card was frozen and the processing stopped. In XXXX XXXX  I reported to CBNA the hard inquiry was still showing on my credit report. I was informed from they had reported this to the credit bureaus. I was also told I should have received a letter from them regarding the fraudulent credit card processed without my consent. I never received any information regarding this situation. I also disputed to XXXX I was told I need to contact the company. The hard inquiry still showing on my credit report.

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 2024-01-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
For billing period XXXX my Adjusted New Balance as shown on my statement reflects {$520.00}. This was incorrectly calculated as the full adjusted balance was paid in the previous billing cycle and new purchases totaled only XXXX. The discrepancy appears once more in the most recent billing statement with interest fees added to the balance. The Adjusted New Balance on the statement for billing period XXXX is once again incorrectly calculated. 

I called Citi customer service 2 separate times on the morning of Friday, XX/XX/XXXX and spoke with 3 separate representatives. After several hours, I was not offered any explanation as to how the balance was calculated and was promised a call back from a supervisor within 24-48 hours. We are well beyond that timeframe and there is still not response from Citi.

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 2024-01-29
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: Store credit 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:
Best buy has a technical support team that I paid to fix the computers. ( many ) from them and the technician kept downloading webroot and all kinds of protection that never worked for me. Someone ( unknown user ) kept asking for my password so I locked him out on my 2 week old ( my baby ) XXXX '' XXXX laptop after 2 weeks so the ( unknown ) destroyed my operating system and Best buy from California customer care was looking for someone else to pay me back and I never got a dime only a new computer after new laptop with same problem. I brought best buys technician my first computer and he said what's the motherboard password I told him he said nope that's not it I told him I never made a motherboard password so he sent me away with it and told me he couldn't do anything I need to buy a new one. I looked in XXXX and learned to take out the battery and I fixed it myself. I also signed contract for a XXXX XXXX phone but their employee locked it in the safe and I got a big bill and XXXX XXXX XXXX didn't believe me so I spoke to the president of XXXX XXXX XXXX and he was wonderful and fixed it but I never got the phone. I had went to court about this and have proof and they have been harassing me for years and years with phone calls and this credit stuff. 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 2024-01-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I used the Synchrony Amazon Store Card. When it was time to make payments, I would go on the website and the website said " we are having technical difficulties and can not not access your account. Try again later. '' This happened 90 % of the time. It wouldn't let me access my account or look at statements. I incurred late fees, and each time I tried to pay, I would incur interest because it wouldn't let me pay them. CRAZZY.

I cancelled the account, and paid interest for the late fees.

This is an awful credit card, and the only time in my life ( I am XXXX ) that I have had this kind of trouble paying a card. I have an XXXX credit rating. 

I do not recommend this card to anyone. Avoid it!

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 2024-01-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Mortgage company Newrez acquired my loan holder company called XXXX XXXX loans. My homeowners insurance is paid out of a escrow account. Newrez did not make the payment to XXXX XXXX XXXX and my policy was cancelled due to lack of payment. Per Newrez they attempted to call XXXX XXXX XXXX at XXXX on XX/XX/scrub>XXXX XXXX and XX/XX/scrub>XXXX XXXX was left to get billing information. Newrez also faxed a letter requesting the billing information to XXXX, no reply was received from XXXX XXXX XXXX At no point after Newrez identified that there was a problem paying the homeowners insurance policy did they try to contact me the homeowner, not by phone, Email, or paper mail. my previous insurance carrier will not underwrite a new policy for my home, so I have to obtain a new policy. This will require me to pay money to get a new inspection among other costs. 
I do not believe that Newrez is operating with the best interests of it's customers and was eager to make money by charging me for their home insurance a a higher rate. 

my deed of trust page 11 section 20 may show that Newrez is obligated handle my policy, it is attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was scammed during Covid shut downs ... .I was current they offered forbearance and promised on tape when jobs were reinstated they would redo loan and start from there. They kept asking for the same pay stubs and info over and over until they forEclosed behind my back THIS WAS A ONCE IN A LIFETIME PANDEMIC AND GOVERNMENT HAS NO PLAN TO HELP KEEP OUR HOME WE HAVE BEEN IN FOR 20 YEARS. ALLOWING THESE XXXX STEAL PEOPLES LIFE TIME OF WORK AND SWEAT SPS IS A UNDERHANDED COMPANY AND I NEED HELP I QUALIFIED FOR OHIO SAVE THE DREAM BUT THEY BOTH JUST DRAG FEET SO THE AMOUNT IS CRAZY NOW I NEED THE COMPANY TO TAKE THE BALANCE OF THE AMOUNT DUE MINUS THE XXXX XXXX AND TIE THE BALANCE INTO THE LOAN ITS A WIN FOR EVERYONE PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: Possible Financial Inc
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have my mortgage through loancare LLC. I was on a payment assistance through the department of economic opportunity where they were helping with my mortgage payments until XX/XX/XXXX. They advised me they sent the payment to loancare at the end of XXXX for the last payment, but loancare would not apply the payment until after I had to call multiple times in XXXX where I was advised it would be applied, but it wasnt finally applied until XX/XX/XXXX! The department of economic opportunity sent them the payment at the end of XXXX!! This has caused an issue for me due to the fact loan care did my escrow analysis before that payment was applied so it shows I have an escrow shortage of about XXXX. I have tried calling over 10 times today to try and reach someone for them to re run my escrow analysis so I am not showing short. I cant even reach a live person! The phone keeps disconnecting even though my statement shows they are open today until XXXX est. I have never been through such a high amount of stress from a company before. Its been a nightmare dealing with them ever since we got our loan in XXXX. On top of that, their systems were hacked and they were under a cyber attack and I received no notification of this until weeks after it happened with a letter through the mail! This has caused fraudulent activity because my information was taken, with even a credit card opened with my information and multiple spam calls. My credit has been impacted by this, we were denied multiple loans which caused hardship, and the stress and anxiety because of this has been horrific. its been awful. If loancare does not resolve this I will be going to the media and filing a lawsuit. I was denied loans to help with necessary home improvement due to this and them posting the payments late that the department of economic opportunity was sending for our account. I even tried to look into getting an equity loan and was rejected.

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 2024-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My information was leaked and the check was defrauded. After that, I reported the fraud. The staff of Bank of America told me that I could open a new account to solve the problem of information leakage, so I went offline to close the old account and opened a new account a week ago. However, I received a message on XX/XX/XXXX that the new checking account and the old one were closed together, and I was told that I could not open and use any debit accounts in the Bank of America. When the two accounts were closed, I still had nearly XXXX dollars in my account.

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 2023-12-07
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:
I am a victim of identity theft. I've recently learned that my personal information was used to open up multiple accounts at different companies. I did not open or authorize this account and I therefore request that they be removed immediately

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 2024-01-10
Company: First National Collection Bureau, Inc.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
This company has texted me numerous times Despite my telling them to stop and telling them they have a wrong number. The debt they are collecting has also been paid as of 2020 and is invalid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions 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:
The U.S. Dept of Education is reporting a fraudulent debt of {$2900.00} from 41 years ago.

The Dept of Education created a fraudulent payment history. 
I am writing to correct this inaccurate information. 

The account number reported is : XXXX This is FRAUDULENT. This ALLEGED DEBT is misleading to the extent that it has affected my credit report, decreased my credit score and it is patently incorrect.

This is not my account.

This is a FAKE PAYMENT HISTORY furnished.

There should not be a payment history because this is not my account and I have never made a payment.

This account is beyond the Statute of Limitations. 



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 explanation
Consumer complaint received 2024-02-06
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
A late payment was reported on my account. I usually get notifications from lenders when payment is due, but this lender failed to contact me and rather went ahead to report a payment that was not due. My credit score dropped by XXXX points a result. 

I want this late payment removed from my credit report.

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 2023-12-14
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: Their investigation did not fix an error on your report

Complaint:
I have disputed these account for the last XXXX months. Literally nothing has been updated. I have attached a XXXX bureau credit report table showing all of the errors in my credit report. These accounts are filled with errors and need to be deleted immediately.

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 2024-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I canceled services with XXXX XXXX XXXX due to the company was not paying the companies as promised with the debt consolidation. I received an email with the account being closed and amount of the refund that would be processed. After waiting a week and not funds were received, I reached out to Bank of America. The first rep I spoke with submitted individual claims for the amount ( {$170.00} ) but {$860.00} was not included in the claim. On XX/XX/23, another claim was opened for the amount. The claim was closed XX/XX/23 under unable to pay. I filed a complaint and was contacted by a resolutions specialist named XXXX, who stated that the rep never submitted the claim or documents. The claim was re-opened on XX/XX/23 by XXXX and XXXX submitted all the documents that were already on file. I have called in to the bank on several occasions and no one can provide any information to when my money will be returned. I was sent to the financial branch and was told by XXXX XXXX ( XXXX XXXX XXXX ) that all she can do is file a complaint but no one will contact me regarding the claim.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
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:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX 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 explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: PA
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2024-01-23
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX of Flagstar Bank NA refused to open a small business law firm checking account for me as he says due to my past bankruptcy filing from last year. He did not even call me after many days, I had to both email and call him several times to obtain an answer. This is both illegal and unethical, as he said " we are allowed to choose who we do business with. '' But this is both biased and discriminatory. Please investigate and advise.

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