BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi advertised an offer to open a new savings account and received a {$450.00} bonus for depositing {$50000.00} in new funds. I opened an account using the advertised link on XX/XX/XXXX, deposited {$50000.00}, and waited for the amount of time specified in the promotion terms. My account should have been credited the {$450.00} bonus in XX/XX/XXXX, but was not. 

I called Citi support and the representative agreed that I had met the terms of the agreement, and should have received the bonus. They opened a case for me and said that the {$450.00} bonus would be credited to my account within 5 days ( Citi ref number XXXX ). That was more than 2 weeks ago, and I have not heard from Citi nor have I received the promotional bonus. 

Timeline Account opened : XX/XX/XXXX ( acct number : XXXX ) Account balance on XX/XX/XXXX ( XXXX day after opening ) : {$50000.00} Account balance on XX/XX/XXXX ( 60 days later ) : {$50000.00} Account balance today, XX/XX/XXXX : {$50000.00} These actions met all terms of the promotion, and should have resulted in a {$450.00} bonus credited to my account within 30 days - by XX/XX/XXXX. This has not happened, and I have contacted Citi to resolve this issue without success ( Citi ref number XXXX ). 

Below is a copy of the email I received confirming my enrollment in the offer, and a copy of all offer terms : https : XXXX? XXXX https : 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 2020-02-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was negotiating the cost of a puppy online and was requested to use XXXX for the transfer - turned out that the person was scamming multiple people out of thousands of dollars. Wells Fargo offers this service and advertises it as a method to instantly and securely transfer funds. They failed to make it known to the consumer that they offer no recourse for these mishaps and refuse to assist in any way and blame it on its the users discretion whether they review terms and conditions before every single transaction. Not taking into account that not every consumer has the ability to fully access and/or comprehend the details therein.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning in XX/XX/2019, I discovered my mortgage payments had not been applied to my account with Quicken and late fees were being applied even though Quicken has been cashing my payments every month on or before the XXXX when the mortgage payment is due. ( i.e. XXXX or XX/XX/XXXX ) I tried calling for several weeks and could never get anyone on the phone. Finally I spoke with someone a couple of weeks ago and was told my escrow payment was increased by {$260.00} each month due to earlier tax bills being anticipated 2 month earlier than normal! ( i.e. XXXX or XXXX instead of XXXX ) When I proceeded to tell the Quicken representative ( XXXX ) that is not true and to send me something in writing from my tax office, she said they didn't have anything in writing from the tax office. I made it very clear that I had spoken with my tax office as well as looked on the website for the 2019 tax bill due date and was told there is no bill date yet however each year its somewhere around late XXXX but bills should be mailed out sometime late XXXX or XXXX. I've also attached a screenshot from the county 's website which reflects this. After talking with this rep, I asked to escalate to a manager but was told I couldn't speak with any one higher in the organization or escalate my complaint. I was then called by another rep ( XXXX ) who at stated she talked with the county and the tax bills didn't have a due date but they have a potential to change based on when the tax bill is due and that Quicken would not be reversing any late payments on my account!!! How can a mortgage company increase my payment by $ XXXX/month and start charging me a late fee due to tax bills that have not been assessed nor has any indication of requiring payment earlier than what they have been over the last 20 years! This is mortgage fraud at its best! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX I called Chase Bank to have a claim done for XXXX against XXXX XXXX XXXX and Chase Bank credited my checking account with a temporary credit of XXXX. I called Chase Bank in XXXX explaining that was a valid charged and they reversed the charged meaning the funds came out of my account being sent to XXXX XXXX XXXX. Well my account showed negative XXXX and XXXX XXXX XXXX Never received the funds electronically. Chase threatened to close my checking account if I don't bring it positive. I explain it was they're fault I went negative negate the third party never revived funds so I'm thinking Chase Bank is holding my money. Like what banks do. Well Chad closed my checking account and XXXX XXXX XXXX still hasn't received the money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Barclays is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.

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 2022-04-14
Company: EQUIFAX, INC.
State: NV
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:
I don't owe anything to the following accounts : XXXX XXXX and XXXX XXXX  XXXX. They should have confirmed these from the Original Creditor since I have made my payment to them. Investigate these accounts thoroughly and make the necessary corrections or just remove the accounts automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: AL
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXXXXXX 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 2022-04-14
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I, a XXXX person have a Federal loan for my family 's home. In my loan contract with the Federal Gov. it does declare any violation of the FHA, which also includes discrimination, does allow for legal recourse done on my behalf against any party that violates my rights. Mr Cooper has been sent notices about previous discrimination and interference with contractual relationship and interfering with my payments. Currently Mr Cooper has discriminated against me by using my XXXX against me to treat me less favorably and where they sent money back I over paid and the way they sent it inhibits my access to that money and they are declaring how they may take my federal XXXX income and then show I overpaid on my escrow though are still allowed to inhibit my access to that money they sent and are refusing to fix the matter and continue to allow their employees to discriminate against me instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I missed a payment and have been trying to contact them multiple times about resolving the debt and they continue to transfer me multiple times and in the end always send me to a full voice mail so I can never speak to anyone to resolve the debt. I tried telling the representative what was happening and she didn't even let me finish, she just transferred me anyway to a full voice mail. I continued to call back and kept being hung up on every time after that. How am I supposed to resolve my debt if they won't even talk to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A previous claim # XXXX was filed on my behalf by my Identity Theft insurance provider, XXXX XXXX XXXX from XXXX but because it didn't come directly from, it was rejected by CFPB. Please open a new case based on the following description : On XX/XX/XXXX, my laptop was locked with a recurring message to call a number to XXXX which I did. The imposter XXXX rep claimed that my XXXX XXXX accounts had been hacked without success and no withdrawals had been made. But to insure security, they needed to open up a consolidation account with Binance, US. Before I realized this was a hoax, I had provided my driver 's license number to the impersonating XXXX and his alleged XXXX XXXX accomplice and they attempted to open up a Binance US account in my name. I even got a code email from Binance US that was a step in the account initiation process. 
I have never received a confirmation from Binance US whether an account was opened in my name or not and if it has, I want the account closed. 

Please investigate and advise. 

My Email is XXXX and my cell is XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: D2 Management LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a call from D2 Management from XXXX on XX/XX/23 @ XXXX a woman identified as employee of the company she confirmed my first and last name and proceeded to give me the last four of my SSN unprompted. She disclosed personally identifying information without proper verification. Then when asked for referral # and original acc # for validation of debt she proceeded to offer to collect on amt owed and not provide information as requested and insisted this was for me and proceeded to give me my ENTIRE SSN, again unprompted as my call was on SPEAKER PHONE anyone could have heard this! I insisted on the information I requested to validate the debt and ended the call. The way the rep spoke to me was abusive trying to use my personal information as a weapon to scare me into paying a debt that happens to be in my name. This is a violation of personal information that could damage my identify if given to anyone that says they have the same name!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a contract with XXXX XXXX space that was supposed to end on XX/XX/19/. I have an email confirming that the contract ends at XX/XX/19, however, XXXX XXXX refuses to end the billing cycle and billed me into XXXX. I did miss two payments for XXXX and XXXX, however, I should not be responsible for further payments. They refuse to correct the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
They refuse to help me get my money. They will not allow me the ability to transfer the money nor close my account. I want my money plus interest every day They delay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
According to the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # 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 Section 2 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 2023-04-21
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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Opened loan XX/XX/XXXX. I was hit by a car & my truck was totaled. I had full coverage through the General & GAP insurance. The company submitted additional charges after settlement of claim. Since XXXX to current this has effected my credit. In XX/XX/XXXX a representative agreed with the fault of the company & received approval to wipe the {$480.00} debt also correct the late payments shown. They did a charge off ( instead of paid ) of my past due without correcting the history, as well. I have been in touch with company enough times to hear anymore lies. Im curious how one phone call after 2.5 years got them to charge off? 
I have a recording of the phone call with representative explains what outcome was & my agreement to the results. 
I am going to report to everything possible. Might as well, if they are going to harm credit for years. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo being charged me for long time overdraft fees

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 2023-04-21
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We recently moved out of an apartment on XX/XX/2023, prior to that we had submitted all final payments and were notified by the apartments we were all set and nothing else was owed. I did not give the apartment our current address and had the mail forwarded elsewhere, so I am uncertain how my current address was obtained. On XX/XX/2023 I received a letter from I.Q. Data International , Inc. is trying to collect a debt I owe of {$550.00} to the apartment. I sent a letter back on XX/XX/2023 requesting information from the debt collector on what this debt is, the itemized receipt, how and why this was sent, and how come the other people residing in the apartment did not receive this letter as well. I have not heard back from them until XX/XX/2023 when they sent another letter with interest added of {$2.00} to the original debt. I arrived at the apartments today, XX/XX/2023, and was given a ledger of our account prior to moving out that reflects a balance of {$0.00} owed as of XX/XX/2023. I have not heard back from these so-called debt collectors and the {$550.00} is nowhere listed in the apartments system that I saw. I can attach all necessary documentation showing I do not owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Someone has been using my info these these credit inquiries soft and hard do 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 non-monetary relief
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
" There should be no monthly payment on an this disputed XXXX XXXX XXXX account if payments are not being made nor if the account is closed or charged off ; DELETE immedately ''

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