BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
1. I'm a XXXX-year-old woman, do not have any properties or other assets except cash fund of around {$200000.00} which had been in my XXXX money market account since XXXX. 
2. In XX/XX/XXXX, I saw an online promotion by Citi Bank : Get {$700.00} bonus if open Citi Priority checking & saving account, deposit {$50000.00} New-to-Citibank Funds within 30 days of account opening, and maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. The details of this promotion is still online at " XXXX : XXXX? XXXX & XXXX '', I also have attached a Word document " Earn {$700.00} When You Open New Eligible Checking and Savings Accounts and Complete Required Activities.docx '' with the same information. 
3. On XXXX, I applied online for Citi Priority accounts, got approved and received new debit card and check book the following week. 
4. On XXXX, I online transferred {$100000.00} fund from my XXXX money market account to new Citi saving account XXXX. 
5. On around XXXX, my Citi new checking account was closed by Citibank WITHOUT my permission. My new saving account XXXX with balance {$100000.00} was frozen by CitiBank WITHOUT my permission. I could not access the fund after that. I called Citibank many times, was told their Fraud Prevention department is doing some investigation, will inform me in written within 30-60 days. 
6. On XXXX, I didn't hear from Citibank, so I called them and was told my saving account would be closed and the fund check would be mailed to me. 
7. Several days later I received the fund check of {$100000.00}, and deposited it to my XXXX money market account. 
8. On XX/XX/XXXX, I called CitiBank fraud prevention departed, asked why they hold the fund for so long. They said because they couldn't verify my application, no more details available. And the account is not eligible for promotion bonus.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The amount was {$700.00} that i had to repay my account was from XXXX to 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 2022-06-16
Company: VANDYK MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022, I received a visit from XXXX XXXX of the XXXX XXXX Inspection division. He proceeded to tell me that no one is authorized to live in the house ( I moved into the house XX/XX/2022 after closing ) at XXXX XXXX XXXX XXXX due to the failure of the builder to obtain the required certificate of occupancy. He proceeded to tell me that there are foundation issues with the house and that they were never repaired. A final inspection was to be done after the repairs were completed. XXXX XXXX was never contacted. 
I paid Van Dyke {$9100.00} to process my loan and make sure everything was clear for me to purchase the home. I also paid XXXX {$120000.00} as a down payment. I learned from the inspector that the house has foundation issues ; I would never have bought this house if I had known about this. 
I was told by the lender, XXXX XXXX, that the title company they hired made this error. 
I contend that it is the responsibility of the mortgage company to ensure that my interests are protected and that the necessary documents are submitted for closing. I wish XXXX had scrutinized themselves as much as they scrutinized me, if they had done their job, I would not be in this position today. Im XXXX XXXX XXXX and should not have been taken advantage of in this way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I stop a payment with us Bank for XXXX a dispute regarding XXXX XXXX XXXX XXXX # XXXX. I sent in the document from XXXX. Which this company took my money and still my car leaks power steering* pump is very lose and not secure and still making that sleeking noise* need to be flush out replace power steering pump put in an old power steering gear or never replace. They done work on my transmission pan gasket which now is leaking * put in a re manufactured power steering pump. This all happened on XXXX XXXX XX/XX/XXXX.-XX/XX/2016 every other Saturday XXXX the manger had me come down for the same problem and then said he was replacing other things on my care. XXXX was just genny pig with my care I went to XXXX on XX/XX/2016 WHICH I HAD TO PAY {$100.00} for a diagnostic test again I ( want to be refunded back as well from XXXX because I still was having the same problem and my care is in worse condition since I took my care to XXXX. I sent in document of both company and photos to us bank. Now the claim processor wants me to get a third party to prove my case. I keep asking the bank did they receive my documents/ photos that the bank fax into the claim and dispute office. ( No respond ) Why do I need to make more extra run to business to prove my case when I sent in all the information .I been long time customer that just paid off all my credited cards and now I 'm being treated like this .Please help. ** US Bank I need a safe car to drive so I do n't crash and hurt another driver due to the lack OF knowledge of XXXX!! Us Please help** I need my car done correct so it can be safe to drive.

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 2023-01-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was explicitly assured multiple times that the information I was giving was to solely be used for a soft pull. Each time I gave information, I asked And this is just for a soft pull, right? to which I was told yes each time, which was at least thrice. I have now been notified by my financial institutions that the dealership has added a hard inquiry to my 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 2021-07-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian continues to report my name wrong on my credit report. Per the Fair Credit Reporting Act, Experian must report ALL my information 100 % accurately. Failure to do so will result in a violation. Attached is my government identity and should not report any other names on my credit file other than on this ID. Also I have attached a bank statement with identical information. Experian : PLEASE UPDATE YOUR RECORDS TO REFLECT THIS INFORMATION 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 2021-11-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for the Chase XXXX XXXX XXXX credit card on XX/XX/XXXX. On this day, there was a banner above the application that read : " Apply by XX/XX/XXXX and receive XXXX XXXX XXXX credits for each night you stay from XX/XX/XXXX to XX/XX/XXXX. '' ( see attached image ) I was approved for this card on XX/XX/XXXX. I called to confirm this benefit, as I had applied by " Apply by '' date, and the Chase representative told me that I will not receive this benefit, as I was not approved until after the deadline. 

Please note, the wording does not have a deadline for approval. It just has a deadline for applying. 

Chase confirmed with me another time on the phone that I will not be receiving this benefit for this reason. I then took the issue up with XXXX, who contacted Chase, and I received an email confirming their stance. ( see attached PDF ) I believe that they're intentionally misinterpreting the wording on their offer. I was going to use this offer with my booked XXXX stays to achieve XXXX XXXX status this year, which XXXX XXXX XXXX values at {$4900.00} ( see link below ), so I believe this is what Chase has effectively cheated me out of. 

link for value of night credits : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: DC
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:
After filing an identity theft report with the FTC and disputing an account with experian for the company to block this erroneous information. No updates were received. I reached out to the CFPB via complaint ID XXXX XX/XX/2023 asking for help with blocking an account federal law 15 U.S. Code 1681c-2 stated applies to my situation. Experian not only disregarding my dispute but also the CFPB complaint i made. I filed another complaint through the cfpb, complaint ID XXXX with more clear and concise instructions on the the block that needed to occur by law within 4 business days and experian removed the XXXX trade line on XX/XX/2023. On XX/XX/2023 experian reinstated the XXXX tradeline on my report not only violating the block i requested but also violating federal law 15 U.S. Code 1681i ( 2 ), i did not receive any written notification within the XXXX days the law allows for accounts to be reinstated 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 explanation
Consumer complaint received 2018-04-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The student loan company I am complaining about is XXXX XXXX XXXXt formerly XXXX  XXXX XXXX and AES. I applied for {$15000.00} student loan in XX/XX/XXXX so I could start taking Fall XX/XX/XXXX classes at XXXX College in XXXX. I started making payments in XX/XX/XXXX. Then, I noticed they have stopped updating the remaining balance information for at least a year ; Around the year XX/XX/XXXX, I called and spoke to a young man who put me on hold so he can calculate the real remaining balance and he told me it was at least $ 10k from the original $ XXXX+. A few months later, I called again ( because the update was never made ) and spoke to a woman whom refused to look into the balance problem and told me the current balance was correct. In late XX/XX/XXXX, I realized they have seldom been sending me 2 bills for one month with different balances of at least $ 14k remaining with the exception of XX/XX/XXXX when they sent me 3 bills with different balances of at least $ 13k remaining. Additionally, they have messed up my credit by filing the wrong information ; they refused to update my credit information past the year XX/XX/XXXX. Also, I have yet to receive my XXXX Form for XX/XX/XXXX from them. I called and left a message for them to call me back on XX/XX/XXXX but, no one did. These crooks have assigned XXXX XXXX , XXXX to collect my debt and every so often they try to pressure me to pay more than is, currently, affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

In accordance with the Fair Credit Reporting act XXXX Account : 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 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This hard inquiries doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: IN
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:
there are several names on my credit that i never went by and addresses that i never lived at. i contacted experian to correct and they refuse to remove any names or addressess. i am concern this is a product of identity theft.

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 2015-06-03
Company: Residential Credit Solutions, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX ) deducted approx. {$150.00} in excess of the am't to which I had agreed, - WITHOUT ANY NOTICE, oral or written to me. XXXX is XXXX ( at least ) lender in line. XXXX ( Complainant ) has never had any lapse in casualty insurance, or tax, provision ( s ) for the entire life of the loan! XXXX has taken a chge of {$270.00} " owed '' for alleged failure to maintain hazard ins on said prop'ty [ defined as XXXX XXXX personal residence XXXX has provided only dunning letters, giving NO information. XXXX that XXXX is specifically attacking XXXX on the basis of 1 ) XXXX and2 ) XXXX Plaintiff in # XXXX of XXXX " XXXX '' cases. XXXX XXXX hazard ins co. broker faxed proof of continuing coverage on XXXX/XXXX/2015 to XXXX Co.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$28000.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$9100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$630.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$630.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into 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 2022-06-16
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a piece of mail that indicated I have an investment account with Robinhood. I do not and have never had an account with that company. I have tried to contact them and there is no way to contact them unless you have an account. So, I'm stuck. I am a victim of identity theft and have cleared many fake accounts on my own, but this one I can not even contact the company to notify them that they opened a fictitious account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 inquiries I need removed to start building my credit that I had no part of and never gave any permission to do anything with my information at all Capital one-XXXX, VA ( XX/XX/XXXX ) XXXX XXXX, De ( XX/XX/XXXX ) XXXX XXXX-XXXX, PA ( XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
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:
Over draft fees and malicious closing of accounts

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 2017-01-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/<YYYY> I got in touch with the Loss Mitigation department from LoanCare where they were asking for my XXXX COMPLETED SIGNED AND DATED BY ALL to be signed and completed by all. This was part of the requirement in addition to the XXXX that I submitted. I followed up with Loss Mitigation on XX/XX/2016 via email and voicemail, but havent heard back from them. I called them today as well and am still waiting to hear back on where we are with the form. I placed a call but get disconnected when I enter my information or try to login to my account online to schedule a payment. It is almost a month since I heard from them regarding this form and would like an update.

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 2023-01-22
Company: Experian Information Solutions 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:
EXPERIAN, XXXX, & XXXX have been reporting inaccurate information on my credit reports. I am a victim of identity theft and my problem has not been resolved. I filed a Federal Trade Commission report. 

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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