BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened a new " Accelerated Savings '' account with Citibank over the telephone and transferred over {$500000.00} from one of my other savings account at Citibank into the new account. On XX/XX/19 I noticed that I couldn't see my account online at all anymore and I emailed XXXX XXXX who I had opened other accounts with in the past in the XXXX office. I later learned that they closed my account on XX/XX/19 without telling me they were going to close the account and overnighted me a check for the balance of the account plus my interest earned over that month which amounted to {$500000.00}. I reopened the account right away and was able to redeposit the funds on XX/XX/19. Should the funds were to have stayed in the account the interest earned would have been {$220.00}. Citibank tells me that the account was closed because I did not send in a signature card, but that was never requested when I opened the account and there was one on file from my other accounts with the bank. Citibank can review that phone call to ensure that this was never mentioned. Additionally I never received a call, letter or message in the online message center saying my account needed more information. I tried resolving this issue with XXXX XXXX and he was unable to assist since the account was opened up over the telephone.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXXXXXX. 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/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 2023-03-04
Company: EQUIFAX, INC.
State: SC
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:
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The caller attempted to collect a debt that was false. Saying it was from a utility company from 2019 ... i have no outstanding utility debt ... Not stating any further information about the debt, but what was owed. They got harassing and threatening and then hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: E*TRADE BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
back in XX/XX/XXXX I tried to open a max rate checking account with e*Trade bank and received an error message that my SSN was invalid, so I called in a spoke with a rep. I confirmed that I previously had an account but it was closed. I was advised if the system was not allowing it to be done online to print and fax the application for a new account which I did. I submitted it and called to check on it later, this went on for about a month. I would call every couple of days to check on the status of the new account and was told it was in review, I was told send color copy of photo ID and SSN, which was done. I called few days later and told to submit again, this happened multiple times. Well almost one month later they finally opened the new account, they opened it up on XX/XX/XXXX which was exactly 3 days shy of being a month that this application for the new checking account had been in review but it was finally opened on XX/XX/XXXX. I called in to inquire about my debit card issuance and was told they sent card to my old address and when the new account was opened they did not update my to new address or update any of my contact numbers or info and still had all the old info. I would have assumed they would have updated everything since all my updated info was provided with the new application that they took a month to process, review and open. So the rep tells me they sent debit card to wrong address as they had my old address and had my new one as a mailing address but she would fix but I needed to send a written request along with a copy of my ID yet again, this was their fault not mine so I Did as they asked after complaining about it. The account was In review to even be opened for a month I would have thought this was already addressed since it took so long to even open. They resend debit card to me to correct address and the day after I activate card IM told my account in restricted. I call in and am told they again need another copy of my drivers license, SS Card and I explained all provided before and they say they cant see. So I upload info and call, to my surprise I'm told more info is needed yet again and a photo of myself holding my ID in the photo which I provide. I speak to supervisor who says they appreciate info being sent but need another photo, now they are holding my funds in the account and won't release even though they have verified the check deposited was valid by the bank who issued it. they have had the funds and check for weeks, if it was bad it would have surely been returned by now as its been three plus weeks, they accuse me of not being the person to open the account and are not returning funds in the account and send letter accusing someone of fraudulently opening account in my name and are not holding my Money and won't return it even though they closed my account a week and a Half ago, this is ridiculous and a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered a mortgage forbearance during XXXX. i reached out last year and made a payment to start back my loan payments. Was told the program was not complete yet and I had plenty of equity to use money for other things like paying off bills. And, that the payment I paid didn't matter and would go to the back of the loan. Made another payment this year to start back mortgage payments and was also told the forbearance ends in on XX/XX/XXXX. At the start of the program I had the option to resume payments when comfortable and put outstanding amount on the end of loan. I could refinance loan and pay higher payment. Lastly, pay three lump sum payments which I can't afford. The only option they are giving me is lump payment of {$46000.00} dollars. I have a good job and can easily resume payments. also, I have about {$250000.00} in equity. I cant get a loan from anyone because I wasn't allowed to make three consecutive payments. My interest rate is 4 % and if I am forced to refinance I will have a lot higher interest rate. I feel like I was set up to lose my home and the only option I have is to pay the lump sum. Can you please help me? We can't lose our family home.. Thanks so much.. XXXX XXXX XXXX 
The Company is Rushmore Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX and I am making an formal complaint against Rocket Mortgage and XXXX XXXX. This formal complaint against XXXX XXXX of Rocket Mortgage. I have been with Rocket Mortgage for 2 years now and my point of contact was XXXX. 
However, every since Rocket Mortgage appointed XXXX to me it's been issues. From his uppity attitude towards women to his ghosting behavior ; he has been just worst. Rocket Mortgage just allow this occurred as well.In addition, he misrepresent the fact that he could he help me with my home equity loan and send out an ratchet appraiser to my home. 
Then after receiving an email that everything was paid off on XX/XX/XXXX. Then decided his team wasn't going to even though an cash out of my own home equity. I want the equity to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX XXXX Account # XXXX, 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 2022-01-31
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Greetings, I am having an issue with FedLoan Service regarding my PSLF certification forms. I have been with the XXXX XXXX since XXXX and ever since I started making payments on my student loans on time. Under the new and revised PSLF program, I am way qualified for a student loan cancellation after more that 10 years of service with the XXXX XXXX Here is the problem, I submitted my application with FedLoan for PSLF way back in XXXX. 
I never heard anything until last XX/XX/XXXX after I called them requesting status of my application. Then they told me that one of my XXXXXXXX employer missed a signature on the form. I responded to them why I was never been informed for the past 3 years for the lack of signature from a previous employer. They asked to resubmitted another PSLF certification form. After I contacted the previous employer numerous times without any answer. I filled the form and checked the box # 3 stating that I was unable to get my previous employer. I signed the form and I uploaded in FedLoan system. 
I called FedLoan last week and first spoke with a customer service agent name XXXX. He was very nice and diplomatic. He advised me to upload copies of my W-2s for the employer in question. I needed to obtain W-2s from XXXX until XXXX. 
After I made numerous phone calls to the IRS and SSA, I found out that IRS and SSA does not keep copies of W-2s. 99.9 % of tax payers usually filed electronically therefore they can only provide TAX TRANSCRIPTS for previous years. Additionally, tax payers are legally liable to keep records of their tax return for up to 7 years. That take me way out of that 7 years period because I need tax records from XXXX to XXXX. 
I called back FedLoan and spoke with a customer service representative named XXXX. I tried to explain to XXXX that IRS and SSA can not and will not provide W-2s dated back XXXX to XXXX. However, I can get a certified copy of my tax transcripts for those years since I can not get my previous employer to sign the PSLF certification forms. XXXX insisted that I send or upload copies of my W-2s. He continued by making a smart comment : FedLoan does not make the rules, if I need to submit tax transcripts, I will meet contact Congress to make law for that.

I found this very strange to see that FedLoan Services refuse to accept IRS tax Transcripts in lieu of W-2s while Citizens can get a mortgage or open a business by submitting their tax transcripts during the application process to the US banking system. US banks require tax transcripts during a mortgage application why cant FedLoan Service accept Tax Transcripts as well. 

I am under the impression that FedLoan is putting barriers and preventing borrowers to finalise their PSLF certification before the deadline this year. Please look into the matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: GA
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, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX**** 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023, Experian had the audacity to inform me that they had received my information and dispute letter, only to dismiss it without any investigation. Their reason? They had the nerve to accuse me of utilizing a credit repair company. I've endured months of humiliation and mockery from Experian, and I've reached the boiling point. My rights as a consumer are being trampled upon, and I demand to know how I'm supposed to fight back when I keep encountering the same issue over and over again. I implore you to provide guidance and assistance in rectifying this infuriating situation. Thank you, but I'm really not in the mood for pleasantries right now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: NE
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:
3 Hard Inquiries on my credit report not authorized by me. Believed they were caused by identity theft. 

1 by Citi XXXXCitibank XXXX date = XXXX 2 by XXXX XXXX XXXX XXXX dates 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 2022-12-04
Company: CITIBANK, N.A.
State: CA
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:
Hard credit inquiry on my credit reports on XX/XX/22. I did not give them permission to run my credit, and my credit score has gone down. I want this removed and for the company to provide me with how they obtained my personal information.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$960.00}

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 non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have inaccurate inquiries and information reported on my Credit Report and I have not received any goods or services from any of these transaction. This goes against my rights as a federally protected consumer per the Privacy Act of 1974, 15 USC 1681, UCCC 1974,15 USC 6802, and 12 CFR 1026. I am entitled to the damages sustained by the consumer reporting agencies of {$1000.00} according to 15 USC 1681n Civil Liabilities. 

Enclosed are the following consumer reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed I have attached an FTC report, Affidavit of Signature, passport, current lease for identity verification, and XXXX Personal & Confidential page.

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 2023-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid 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:
I ordered something from XXXX or XXXX back in XX/XX/2022. Upon doing so, I was sent a credit card offer that gave a discount for the current purchase, plus gave an " excusive '' offer of no interest for the first 13 months. I typically don't use credit cards but needed it for travel when my own bank card was frauded and I was out of state, unable to rectify it in the time needed. It is now four months later and I have been going over my credit card statements and noticed that they have been charging 19 % interest every month. I called to inquire why this was so and the woman explained that " Exclusive '' means that you must purchase from either Cabela or one of the stores of this club. For the average customer, they would view this as a short-term offer that won't last long and that only those who respond quickly will get it. 

There is nothing that told me this was store specific. I think these practices are very deceptive and the woman insinuated that they have many people confused about this.

Company response to consumer: Closed with explanation