BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for a CItibank Secured  card on XX/XX/2019. The application ID was XXXX. 

On XX/XX/XXXX, Citibank debited {$1000.00} as security for my card. On XX/XX/XXXX, I received a letter stating that the account had been approved and a card was issued, along with the last four digits of that ISSUED card : XXXX. The letter stated the card would arrive in 7-10 days. As of XX/XX/XXXX, the card had not arrived. I called the toll-free number and the first agent told me that the card was never sent out, they had a problem with the card manufacturer. The second agent, a supervisor, told me the card was printed and should be arriving on XX/XX/XXXX. 

It is my understanding that this is one more way for Citibank to make money ... by delaying the issuing of the card, they can " sit on those funds '' and earn interest. While they've kept my money for three weeks, I've received no access to those funds. I was then threatened that if I canceled my card, it would take at least THREE WEEKS to return my money - so effectively, I am stuck. They will have my money on hand for a month and maybe, I will actually get the card. 

I asked to have the card sent overnight since it hasn't gone out yet and they said it " Must go by mail to establish residency '' I explained I already have another Citibank card at the same address and therefor residency, and my profile are established. I was told that didn't make any difference. Then she told me the card had been sent today after telling me it wasn't sent at all. 

I have zero trust that Citibank will be helpful. I would like a copy of this forwarded to the Comptroller of the Currency as well as my understanding is that a financial institutional can't withhold funds. 

I sacrificed to part with {$1000.00} of my money to help work on my credit. I have an XXXX XXXX XXXX son that I support and now have nothing to work with as my card hasn't even been sent yet. How can this be legal? 

There was no disclosure telling me that I wouldn't have access to my funds through my card for any more than the stated 7-10 days. By the time I get this, I will have been without access to my money for a month.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX collection ) 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.

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.

These inaccuracies are preventing me from providing housing, transportation, and other living means for my family. I am taking all of the necessary steps to fix my report and would like some support from the CFPB.

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 2024-01-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Please reference CFPB submission # XXXX for reference. As Freedom Mortgage provided CFPB false information to force closure of the complaint. Prior report will be included. 
When CFPB previously communicated in reference to my demand for Successor in Interest status, they falsely stated the mortgage was both unrecognized and that no 3rd party authorization was in place. None of which are truthful. Freedom Mortgage did finally confirm Successor in Interest to myself, XXXX XXXX XXXX, however in name only. 
Today I received mixed contradictory information in the form of two letters, both dated XX/XX/XXXX. One to my deceased spouse and one to myself. Deceased communication stated he ( the deceased of 1.5 yrs ) must have a confirmed Successor in Interest and an Assumption of the mortgage is required for a loss mitigation workout. In direct violation of federal law. The second, addressed to me, was an acknowledgement of Successor in Interest status. However, it essentially stated the status only bestowed the title and allowed me to receive notices and communication but does not include the federally defined Successor in Interest rights. 
They purposely state that they maintain the right to foreclose, clearly included to intimidate me into assuming the mortgage. They are refusing to recognize my clear right to act as a federally defined " borrower '' for all purposes needed or that may arise. Demanding I assume the mortgage before allowing any loss mitigation, hardship or similar. 
They have had my house insurance claim funds and are holding them illegally ( over $ XXXX ). My husband has been deceased for over a year and a half. Freedom Mortgage has caused significant undue hardship for my household. Their actions have caused financial harm and have resulted in breached contracts to vendors retained to replace my roof. This has resulted in XXXX XXXX as the reimbursement funds are needed for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to Freedom Mortgage withholding mine and my daughter 's funds ( daughter XXXX is 50 % deed holder also ). 
I live in Florida and this significant delay and hardship may very well result in my home being uninhabitable, as a severe tropical storm is hitting me as I write this, and I have a roof with 60 % damage that will likely cause much more extensive damage then it currently has. 
Freedom Mortgage was served first notice of my husband 's passing XX/XX/XXXX. It took them FIVE HUNDRED and TWENTY-SEVEN days to confirm my Successor in Interest status. That is an unconscionable amount of time. They have further been in receipt of all house insurance claim information needed since XXXX of 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 2023-01-15
Company: EQUIFAX, INC.
State: IL
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
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: Public record information inaccurate

Complaint:
the following public record is not mine, this is an inaccurate reporting under my name under my equifax credit reporting agency, i will be attaching my proper paperwork to this attachment, please have this inaccuracy removed from my equifax credit reporting,  this is not mine, i have disputed this with equifax several times but they are not helpful literately they say they verified in one day. this is not right, please help me in this very sensitive issue thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and i have recieved letter fromXXXX   XXXX XXXX  that they were offering to pay off my credit cards and resolve problem with banks within 1 month of our agreement, we agreed that i would pay them XXXX $ a month and they will contact banks and resolve all the late payments, after i made first payment, banks still were calling me and they were saying that, they never been contacted from XXXX XXXX XXXX, then i called this company and asked them why they didn't called banks, i recieved answer that i have to make 9 payments at least and after that they will contact banks, this wasn't agreement between us, then i called my bank, which i was using for automatic payments with this company and ask them to stop payments to them and opened a claim, bank gave me back XXXX $ and just received the decision after a week that bank is taking back XXXX $ charge and i have to close account to stop XXXX XXXX XXXX to charge my account, after that i started research about this company and it seems like 99 % of clients sued them and they seem like a scammers, i need to stop this company taking my money and also looking forward to take my money back what i paid them already, there was my claim about global client solution and it seems like they are contractors to each other, i knew that they were main company which was dealing with my banks but they responded and said that they only were taking XXXX $ of charge from ammount of XXXX $ and main company is XXXX XXXX XXXX, but my bank charge says different story that money was charged from global client solution, also Global client solution said in their letter that refunded XXXX $ to my account which is a lie  and nothing was refunded on my account, please see attached files

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 pulled my Credit report back in XX/XX/XXXX, I sent letters out to Transunion on that same date. Well I received a response back from them stating XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX this was accurate and verified On the subject of the item questioned above, Account Type - Detail : reported as - for XXXX, Open account for Trans Union, and as Collection Account for XXXX and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant with its principal mandates as it's relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is evidently reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or elsewise not confirmed certifiably compliant to all mandates for ethical and lawful reporting proclivity! 
Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: IL
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run orchestrated by XXXX XXXX ( the Fraudster ) which involved me making deposits for a total amount of XXXX XXXX from my Wells Fargo account to a fraudulent investment firm ( 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 2024-01-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Truist assumed my mortgage from XXXX XXXX in XX/XX/XXXX. I was notified by Truist in XXXX that they had assumed the loan, and set up ACH automatic payments to be paid directly from my financial institution to Truist at the address they provided. Each month from XX/XX/XXXX- XX/XX/XXXX, the ACH funds were deducted and a check was mailed to Truist at the address on file. Each month, I called to confirm that the payments had posted, yet in XXXX Truist claims they did not receive payments. 

In XXXX, I contacted Truist again and asked to launch an investigation into the source of the ongoing payment issues. XXXX XXXX, and my financial institution representative worked to investigate the issue : it was determined that the remittance address that was saved in the ACH system was incorrect. We quickly worked to make the necessary address changes, I made several Overpayments to make the account current. Yet, Truist refused to report their clerical error to the credit bureau. This has resulted in many negative consequences to my consumer lending. 

I am trying to refinance my home. I need help from you since Truist is refusing to assist in clearing the reported late payments for XXXX XXXX. Please expedite this process if possible. 
I have attached all supporting documentation for your review. 


Thank you! 

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 2023-08-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 THD/CBNA lowered your credit limit. 
THD/CBNA lowered your Credit Limit to {$5000.00}. 

Source : XXXX Company : THD/CBNA Address : XXXX XXXX XXXX, XXXX XXXX , SD XXXX Phone : ( XXXX ) XXXX Activity : Revolving Charge Accounta Previous Limit : {$5500.00} New Limit : {$5000.00} I found this on the XXXX site. I tried to call the number to inquire as to why my credit limit was decreased. The intended use of the card is for special projects. There is no justification, no letter, as to why my limit was increased. 

Resolution : My credit limit should be re-established to the original {$5500.00} limit.

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 2023-01-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid 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:
Filed a dispute for a purchase that was returned XX/XX/22 {$120.00}

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 explanation
Consumer complaint received 2024-01-10
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday, XX/XX/XXXX, i teceived XXXX XXXX for XXXX, which CITI said they had no problem with. Later that morning i triedcto transfer amount ( that showed available ), and transaxtion was blocked, with no explanation. In the afternoon, I tried logging in, only to find my access to account was revoked. I placed call to fraud dept and received no specifics. I then went to local branch office, where I verified who I was. The local branch manager called CITI XXXX XXXX. They stated to him that they would be closing the account, and would not provide any specifics to the Manager or me. They stated it would be 7-10 days before I would receive a letter explaining their actions. In the meantime, I have no access to my money. In addition, I was told that the XXXX that was wired to me, would not be released to me for 30-60 days!

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 2019-05-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a XXXX and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX/ XXXX who charged off the debt in XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to XXXX XXXX in XXXX for pennies. XXXX XXXX filed a civil suit and never serve me and got a default judgment in XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on. 
I contact XXXX XXXX and spoke to XXXX XXXX at XXXX-XXXX-XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX/ XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without XXXX XXXX authorizing so I can not my mortgage or buy food or medication I need for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: CA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TrueAccord Corp.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivied phone call ( XXXX ) XXXX True Accord. 
I do not owe anyone any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing has once again failed to properly apply a mortgage payment. In this case, the payment is the final payoff payment on the mortgage. The payment was due XXXX. I was unable to make the payment online as I had always been able to do. So, I learned I needed to request a payoff statement. I requested the payoff statement on XXXX. I received the payoff statement on XXXX. I mailed the required cashiers check in the amount of the payoff amount on XXXX. Specialized Loan Servicing received the cashiers check of {$970.00} on XXXX. The cashiers check cleared XXXX XXXX Bank on XXXX. Specialized Loan Servicing has since mailed several requests for payment of this amount and called me several times for payment even though they had received and deposited the cashiers check. I spoke with someone at Specialized Loan Servicing who found that the payment had been made, and who said that Specialized Loan Servicing would be filing a Satisfaction of Mortgage with the XXXX XXXX XXXX XXXX XXXX. 

Specialized Loan Servicing has failed to file a Satisfaction of Mortgage with the XXXX XXXX XXXX XXXX XXXX Specialized Loan Servicing has reported this mortgage payoff payment as over 30 days late to the XXXX XXXX XXXX. 

My XXXX XXXX of XXXX with XXXX has dropped dramatically to XXXX. I am not aware of what my credit scores are with the other XXXX XXXX XXXX. 

My online account with Specialized Loan Servicing still does not show that this payment has been made.

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