BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
hello, my business, personal and credit card account was closed by citi bank, they gave me a 30 days notice to close all my accounts on XX/XX/XXXX. the only explanation on the notice of cancellation of accounts was '' due to recent activity in your account we have decided to close your account '' i have called the ph no listed on the letter of closure of my account for any specifics or detailed explanation, person who answers, says that i should contact my branch manager to further investigate why the bank closed my accounts. my bank manager tried numerous times by calling their internal financial unit and wrote emails to get any explaination of the reasons of closing my accounts. but no answers so far. now my XXXX card and XXXX XXXX have also sent the similar notification of cancelling my accounts, i dont know why is all this happening and would like any help i can get to get some answers from citi bank to why they have taken such drastic action. i had been banking with them for over 9 years. 

pls let me know how you can help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Westlake Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off the agreement with the collection agency who bought the debt from the company. In return I tried to call to receive my title back from the original company who approved the loan and was unsuccessful in trying to retrieve my title. I have called several times and still got no response. The payoff date was XX/XX/2020 for {$780.00}.

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 2021-05-23
Company: Synovus Bank
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of XXXX I was forced to XXXX from my job due to XXXX XXXXXXXX pandemic. My mother was battling XXXX and my job as a XXXX was exposing me to the virus so I made a hard decision to XXXX  for the healthy of those I live with such as my mom. This caused me to be left with little to no income. My husband was still employed however all income went towards our inhome bills such as mortgage, electric, heat, and funds to take care of our XXXX children. Any extra that my husband had we tried to keep up with the car payments as much as we could. We were able to keep all payment current until money fell a little short in XX/XX/XXXX. As of XX/XX/XXXX I became employed again with a job back in my career and my family is finally getting back to happiness mentally and financially. As of my first paycheck in XXXX I brought the account fully current. I then made my XX/XX/XXXX payment on time as well and will also be making my next due payment on/before XX/XX/XXXX as planned and continue to keep up and go back to my perfect payments. This complaint is a chance for me to explain my issue to FIRST PROGRESS and attempt to get my late payments from XXXX & XX/XX/XXXX removed as a courtesy. My husband and I are planning on buying a home late this year and this will negatively hurt us so please help us. Thank You and I would greatly appreciate it. My account is now current and I plan on paying the card of in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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:
I have previously disputed my bankruptcy with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response which was sent you you multiple times stated the opposite. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Consumer Portfolio Services, Inc.
State: AL
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 pulled my credit the first week of XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Santander Consumer USA Holdings Inc.
State: AL
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 pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A judgment was levied against me after credit card debt was sold from XXXX to XXXX  XXXX XXXX, and I was XXXX  XXXX and on Social Security XXXX. I did not even know there was a judgment against me until I began to look for apartments and realized that suddenly no one agreed to rent to me unless I paid a year 's rent upfront, which was and has been impossible. The law firm that rendered the judgment will not remove it and I can not afford to pay it. My understanding has been that because I have been XXXX  XXXX, this judgment should not have been rendered in the first place. 
This judgment occurred sometime in late 2008. It is for {$12000.00}. ( I desperately need to move from a dangerous living situation, but no one will rent to me as long as this judgment remains. ) Apparently, this occurred with many individuals and a class action suit was filed against XXXX and XXXX  XXXX XXXX. But the attorney, XXXX XXXX, who issued these judgment has refused in general to remove them.

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 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was marked as late on XXXX XXXX ( Auto ) account XXXX. I do not think I was late per the attached dispute letter sent. I am asking for this matter to be looked into again and more specifically how your company investigated this information with XXXX XXXX. SEE ATTACHED.

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 2021-05-23
Company: EQUIFAX, INC.
State: PA
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 XXXX I sent a letter regarding inaccurate things on my credit report. How is it possible for these accounts to have mixed matched reporting of late payments?? I demand all Late Payments to be removed. To this day over 46 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 46 days so they should be deleted promptly. I demand these late payments be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today 's date is XX/XX/XXXX. Beginning on XX/XX/XXXX I started the process of refinancing my mortgage with my current lender Chase. Since then, I have provided numerous documents and financial reports to them. No closing has occurred and various statements have " expired '' and I have had to resend them. I have been told by numerous people that they are " putting a rush on things '', and " hopefully by the end of the week ''. I am frustrated to the point that I am making this complaint. Attached is the loan estimate from XX/XX/XXXX with the expired rate lock. I have all correspondence also. At times I was worried that this was a predatory lender or loan fraud. Below are the individuals I have dealt with : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX  XXXX Chase XXXX XXXX XXXX XXXX XXXX, Ohio XXXX | Office : XXXX : XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX | XXXX  ID XXXX XXXX XXXX XXXX  XXXX Chase XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX XXXX XXXX : XXXX | Fax : XXXX | XXXX XXXX Office hours : XXXX XXXX. to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Team Supervisor XXXX XXXX ID XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my credit card within 1 month of annual fee billing. Since I had already paid the annual fee, Citi card representative told me that they will mail the annual fee back to me by check. 
However, I have never received the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying to open and account since XXXX but have not been able to due to them denying me because I needed to verify my identity in which I did. I went into another branch bank and had my drivers license and social faxed to XXXX and had them call them even and they still would not comply. My identity info was stolen before and I had a block on it, I had my information updated but they would not help me still.

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 2021-09-03
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
JP Morgan Chase refused to accept foreign currency as a deposit. I sold a car in XXXX and brought cash in XXXX XXXX ( XXXX  ) currency home. I wanted to make a deposit to my checking account but bank teller refused to accept the deposit telling me they don't accept XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: DISCOVER BANK
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid XXXX XXXXXXXX, the collection agency for discover credit card on XX/XX/XXXX. Discover still on the dept per XXXX, but discover forced me to pay the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At the time I was contacted about the debt by the collection agency, I told them that the balance is incorrect and that there is a court order for exactly what the balance is. I told them that I wanted them to look into so we can move forward. They said they only go by what is given to them and that the landlord is not cooperating with them any further for more information so they will continue to pursue the the amount that the landlord wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A subpoena was issued against my personal banking information on XX/XX/XXXX.

I was not served the subpoena and Wells Fargo did not notify me of the action being taken on my personal bank account.

The legal matter in which the subpoena was a part of is a case that does not involve me or my personal property.

I am neither the plaintiff nor defendant, I am a non-party.

Wells Fargo released my information to the plaintiffs without notifying me of this action.

I did not know of the filed subpoena or the execution of the subpoena by Wells Fargo.

The information disclosed caused the plaintiffs to submit a second subpoena on XX/XX/XXXX which Wells Fargo once again did not notify me about.

I was able to file a Motion to Quash the subpoena due to notice given by a party other than Wells Fargo.

A third subpoena has just been filed on XX/XX/XXXXand once again Wells Fargo has done nothing to notify me of the potential action on my account.

I have brought this issue to the attention of Wells Fargo legal.

XXXX XXXX, a paralegal within Wells Fargo 's legal order processing department responded to my grievance on XX/XX/XXXX by written letter assuring me that there was a courtesy notice sent to me for the XX/XX/XXXX subpoena and that the liability of service falls on the attorney who filed the subpoena, not the financial institution.

I responded by stating that a courtesy notice supposedly sent by Wells Fargo was never received by mail, email, or phone call for 3 separate filed subpoenas and that I need a copy of the said " courtesy notice '' to evidence their action or else Wells Fargo admits liability.

The information released by Wells Fargo has allowed the plaintiffs to harass me through further subpoenas that cite specific information that should not have been released by Wells Fargo in the initial subpoena.

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 2020-06-03
Company: EQUIFAX, INC.
State: FL
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:
It is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This vehicle was repossessed by XXXX XXXX XXXX in the State of  Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

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 2019-08-23
Company: FACTUAL DATA CORP.
State: AL
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 pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ Equifax, XXXX, and XXXX ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. Equifax says I have a 30 day late payment on XX/XX/XXXX, XXXX and XXXX says I have an on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I leased an exotic car for the day and then was subsequently charged way more than I was told I was going to be charged in the end. Also I tried returning the car early due to an emergency and they wouldnt let me do so. They charged me about {$2000.00} total and BoA has yet to get me my money back. That whole place was a scam.

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 2023-01-20
Company: EQUIFAX, INC.
State: TN
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:
Someone pull my credit with out my request with these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Reference : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Applying for a mortgage or refinancing an existing mortgage *********************************************************************** You closed the case without completing a through investigation making me and others waste our time. This is not a fair procedure and could be for the same reasons that the company discriminated against me : I am XXXX.

This email sent to me by the realtor may explain why : XXXX XXXX   <XXXX> To : XXXX XXXX XX/XX/XXXX at XXXX XXXX Its not a matter of agreeing or disagreeing you signed a contract and you are in breach of that contract. Trust me I know that it doesnt Seem fair to you and I agree with that. The XXXX you were using should have ask you for your proof of income from the start before Issuing you a preapproval letter. He should not have waited as long as he did and I mostly blame him for that. If your income was going to be an issue he shouldve addressed that with you from the beginning.

I cant force you to sign anything but eventually I do believe that they will get an attorney involved and its going to cost you more money If they do And I do not want to see that happen to you.

Show original message -- XXXX XXXX Realtor | XXXX XXXX XXXX XXXX Your agency does not investigate the cases as they should.

I must informed you that Vanderbilt reimbursed me the money they asked for appraisal, but, even though that I authorized Vanderbilt to provide all information to the realtor it seemed that Vanderbilt was not diligent in notifying the parties.

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