BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had a credit card with Home Depot,

in XX/XX/XXXX I refinanced my mortgage and all of my bills were paid in full. This was XX/XX/XXXX I called all of my credit card companies closed them all. I have been getting since XX/XX/XXXXbills fro

m Home Depot with late charges, and phone calls every day and bills once a month. I do not owe them {$110.00} for late charges. I think this is unfair, I have not been in a Home Depot since. Please help 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 monetary relief
Consumer complaint received 2020-07-14
Company: LoanCare, LLC
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 status incorrect

Complaint:
XXXX I filed this complaint yesterday and now I have found new information that this is still not corrected. This is what I found today - see attached file. I have been making payments in the forbearance agreement - Loan Care was supposed to correct that but I wanted to send these two files - one I attached yesterday to the complaint number above and a new one I found today which still shows me being 180+ days late and that XXXX payment is late. I went online and paid the {$130.00} payment for the forbearance plan and in the account it stated I owed XXXX beginning XX/XX/XXXX as part of a Modification Plan BUT that clearly stated it begins on XX/XX/XXXX. XX/XX/XXXX paid the {$130.00} on forbearance plan payment of {$130.00}. This new report I found says XXXX payment is late ... ... ... how can this all be fixed?????

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX XXXX  Branch in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the Branch to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager. When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX Branch where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX Branch and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX Branch, and I wanted to open accounts in his Branch. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX Branch could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.

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 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have been disputing incorrect information on my credit reports for over a year, I have sent faxes, fraud reports and filed multiple complaints. XXXX had my personal information incorrect on my reports also my address nut refuse to remove, I have requested the information they have to verify the correct addresses collected also bankruptcy information they refuse. information is supposed to be verified with a signature or i am supposed to be provided the information from any 3rd part they are using to verify court information in which I have never received. I am requested all inquires unauthorized removed also all address but my correct address XXXX XXXX XXXX. I am showing multiple companies pulling my credit report from all 2 bureaus with no authorization.

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 2019-03-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX of XXXX I was forced to stop working for health reasons so I got behind on my car loan with XXXX XXXX XXXX XXXX ( XXXX ). I several attempts to put 2 payments at the end of my loan which XXXX allows you to do twice in the life of the loan. The first time I file the paperwork I apparently had my account number wrong even though XXXX sent me an email saying the money was debit from my account. The 2 times after that I was told you could only be 60 days behind, once I was 61 days and the lastest attempt on XX/XX/XXXX, I was told I was 63 days late so I had to make another {$400.00} payment along with {$390.00} for interest changes. I was unable to meet the financial burden asnInhad just pay {$200.00} in reposession fees along with a {$400.00} payment. On XXXX XXXX, the day before my car payment was due, XXXX took {$300.00} of my daughters ( XXXX XXXX ) {$390.00} XXXX XXXX payment as in was deposited into our joint account. I immediately called XXXX and was told that it was in the fine print of my car loan that they could take any moneys out of any account my name appeared on. I read the loan agreement called back XXXX, told them it wasnt in my agreement and asked them to send me a copy, the did not. On XXXX XXXX XXXX from Citizens Bank Collection department called to say I was 38 days behind, so I told her you just took {$300.00} out of my daughters XXXX XXXX she we would not have done that it would be fraud. XXXX put me on hold spoke with someone at XXXX, then told me oh we can take money out of your account it is in your agreement with for your checking account, which I have read all the documents I was given with my bank account and never saw that. I asked XXXX to give my Daughters money back and they refused. In all the months I have been behind in my car loan XXXX has not ever take mine or my daughters XXXX money, as I read they are not allowed to. Citizens Bank will not allow me to download any transactions from my car loan, Ihave attached the transactions from my joint account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX is reporting a collection account on my credit report. However they are not licensed in the state of virginia to purse any debts. i have attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have sent {$360.00} to a PayPal user : XXXX which now has this email on PayPal : XXXX to send an item : XXXX XXXX XXXX XXXX XXXX XXXX and I waited to ship it but he didn't ship to me. I opened a PayPal dispute which I thinked that I will receive my item but even this person may have marked as shipped, I didn't received it. I have opened too many requests on PayPal but I still didn't get my full refund. This person which I sent my money doesn't refund me. 

I need from PayPal to reverse the transaction : XXXX back ( which is on my PayPal account ) and get my full refund of {$360.00} since I didn't get what I paid for and this person which I sent my money doesn't refund me. I want an escalation : https : //www.paypal.com/resolutioncenter/escalate/7GK887276F337733F/PP-005-013-132-474 in order to get a refund Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/21 I opened a checking and savings account online with Citi Bank. After receiving the checks and debit card in the mail I tried to login online to activate debit card. I no longer had access and I called in and was told they could not verify my identity. Makes no sense as I have 2 credit cards with them and bank at multiple financial institutions. I wasnt going to argue about it. I asked for my funds to be sent back to me and that never happened. I waited until mid XXXX and called in again and asked for my funds to be returned and that what they were doing is illegal. Was transferred several times again and told what happened was a mistake and I would get a new debit card in the mail and my account was reopened. That has not happened and they have not returned the funds. Im extremely frustrated and there is no Citi Bank location near me to go to.

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 2021-06-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a paycheck via ATM on XX/XX/XXXX and a ten day hold was placed with no reason given, attempted to clear the hold over the phone and in store but they were unable to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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: Their investigation did not fix an error on your report

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The dispute numbers were XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX Experian XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX  to resolve anything. There was also data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. The bureaus must be held accountable and to the standards clearly outlined in the FCRA.

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 2021-06-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have continuously begged Wells Fargo to remove me from their call list. I'm traumatized by the incessant harassment by Wells Fargo. They call me for no apparent reason. I advised them that unless I'm late on a payment or something dire has happened with my account, they shouldn't call me. I'm XXXX and their employees call me to provide me with no information. I was called by an agent to ask if I signed my loan docs, and then realized I had. It wasn't even past the deadline. They haven't updated my payments and I noticed some irregularities on my statement. There are large payment reversals on XX/XX/21. Wells Fargo systematically targets vulnerable populations and they continuously unnecessarily harass me. If they don't resolve this once and for all, I'm hiring an attorney!

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 2020-10-27
Company: Experian Information Solutions Inc.
State: MO
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:
Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX {$6800.00} 3. Dept of ED/XXXX {$10000.00} 4. Dept of ED/ XXXX {$5800.00} 5. Dept of ED/ XXXX {$10000.00} 6. Dept of ED/ XXXX {$4500.00} 7. 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 2019-03-08
Company: Navient Solutions, LLC.
State: FL
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:
I've been attempting to pay off my student loan with Navient for some time now, and after a fight to scrape together enough money to pay it off. So I contact Navient and arrange to make my full payoff amount and have my account closed. Since I do not trust them I mail out the check. I'm not giving these crooks access to my bank account. I'm told on the phone as long as they receive the check within 7 business days, I wouldn't be charged interest and the payoff amount will remain the same. I also told that they will close my account when the check is cashed. Navient gets the check 2 business days later and cashes it that same day. 

I log back into my account a week later to confirm that my account is paid off and closed. Not only is my account still active its accruing interest and I now owe {$3.00} on a loan that has been paid off in full. 

So I call them and go ballistic. I've read online how Navient does this to borrowers and makes it impossible for people to pay off their student loans. Navient said that since its under {$5.00} they will waive the fee. 

I need confirmation that this fee is waived and my account is closed as paid in full. I do not trust them to honor their word, they are a horrid company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: JPMORGAN CHASE & CO.
State: TX
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:
The date of last activity for a Chase Auto account is incorrect on my credit report. It was erroneously reported as XX/XX/XXXX when in fact it was XX/XX/XXXX when it was closed. We had an automobile accident and while waiting for insurance to pay they did report late payments, which we are not disputing ; however, since the date of last activity was somehow updated incorrectly, it's having a negative impact on my credit score and ultimately preventing me from purchasing a home at this time. 

When I called to try to correct the problem all I got was a run around. No one seemed willing or able to take this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
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:
Dear XXXX, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX/XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2020-07-09
Company: Acra Intermediate Holdings, LLC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am an XXXX resident and I hold a mortgage with Citadel Servicing for a vacation property in XXXX XXXX XXXX. I have held this loan for almost 4 years. I always pay my payments on time and without issue. However, this becomes very difficult when the lender does not provide sufficient notice of the intent to alter mortgage payments. 

I received notification on XXXX XX/XX/2020 of the intent to increase my repayments with effect from XXXX XX/XX/2020 as a result of an increase to the escrow. I note that the letter confirming the increase was dated XXXX XX/XX/2020. 

Our postal address is an XXXX address. 

My complaint relates to three matters : 1. We are not able to increase our mortgage payments on XXXX XX/XX/2020 if we are not advised until after this date. I am concerned that this will impact my credit rating and that I will be charged a late fee. 

2. The justification for the increase in escrow in unclear. Please provide further explanation as to the reason for a {$120.00} per month increase. 

3. Our escrow costs increased last year, resulting in the same poor customer experience in lack of adequate notice. I was advised at the time that this matter had been escalated and would not be encountered again. Citadel is not providing adequate notice and this needs to be addressed. 

I contacted Citadel on XXXX XXXX, the day I received the notification asking for them to contact me as a matter of urgency and to treat my contact as a complaint. 

To date, I have not received a reply. The only contact I have received is an email from an unmonitored email account advising that my mortgage payment had not been received ( which it has, it is just less than value of the increase rate effective XXXX XXXX ). 

I am seeking your assistance in order to address a systemic issue with this organization and to improve the communication methods they employ.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: NV
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX 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