BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Customer paid me for services rendered with a counter check. Wells Fargo placed the check on hold because it couldnt supposedly verify the account. I checked with customer the next day and he showed me a screen shot of the check clearing his bank. Wells Fargo will still not release the funds into my account after the check had cleared. I called Wells Fargo and they refuse to take the hold off my deposit. I was furious! The check has cleared my customers account and I want my money that belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is the claim regarding Citibank checking account sign up offer which says if I deposit {$15000.00} within the first month and keep the amount in the account for 90 days, I will get {$400.00} deposited into my account within 60 days. 

I applied online for a checking account using a promotional link from Citibank web page. I was not asked for any code or coupon during the process. I was worried about it but since it's a link from Citibank and the page does mention the offer, I trusted Citibank that would honor the offer if I meet the requirement. 

I applied back in XX/XX/2018 and deposited {$15000.00} into the account right after. I waited until XX/XX/2018 but still didn't see the {$400.00} bonus deposited into my account so I called Citibank customer service over the phone. The representative was very rude and saying I didn't not apply any code when opening the account. I explained that I open the account online and there was no place for me to enter any code. At the end there's nothing they could do and suggested me to close the account if the bonus is all I want. 

Later on I went to a Citibank branch. I spoke with a manager in the branch. After examination of my account, she determined that I should qualify for the offer but she has to submit a claim to the headquarter in order to get the {$400.00} deposited into my account. She also suggested that since I have already met the requirement, I could withdraw my money out and only keep {$200.00} in the account just to keep it open and active. I followed her suggestion. 

Almost 2 months have passed and I still don't hear from Citibank and the {$400.00} is not deposited. I am tired of playing games with Citibank and I am submitting a case here.

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 2018-06-15
Company: Diversified Recovery Services Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The have been calling repeated to my both my cell and job from XXXX and XXXX. When I asked what the call was in reference too they become extremely rude and will not state the nature of the call. When I refused to confirm my DOB or SSN without stating they nature of the call, the reps become very defensive and aggressive. 
I requested that any correspondence be communicated in writing and that all calls cease to me made in regards to anything associated with my name. Upon doing so, I am repeated hung on up. 

The excessive calls to my job has my superiors thinking this is something to bring concern as they are not only calling my desk, they are calling me through our dedicated customer service line for customer. 
Dates : XX/XX/2018 - XX/XX/2018 daily at least 6 calls between my cell and job. 
Reps spoke to where XXXX, XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-14
Company: Flagstar Bank, N.A.
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is on inadequate service, from Flagstar Bank in giving my wife and i a refinance on my VA Loan. I tried to fill paperwork online but there was always a problem with doing it through e mail. I did it well through the company portal, but e-mail always had a glitch in it that they never corrected, which caused me not to be able to transmit the paperwork. I called left word for them to send me paperwork through US Mail, they never did! I am going to call again today and tell them to send me all paperwork through The US Mail.

I feel as if these people do not want to close a refinance for me on my VA Loan, their effort has been sub-par, as well as selfish as I believe they are trying to keep me in the higher APR loan, by creating these problems.

I am hoping my age was not a consent for them to treat me this way or they just inadequate in giving proper service, trying to do it their way instead of the right and legal way! I need them to send me the proper paperwork through US Mail, ASAP, with all papers that need to be signed and a list of everything that needs to be sent to them they may already have some copies of items requested to be submitted to them.

I know they are not offering me the best APR rate, that We qualify for, because other companies have quoted lower rates!

If I go to other companies I have to pay closing cost with my current mortgage company Flagstar Bank, I will not have to pay closing fees!

Please, help me with this problem, my loan officer for this attempt to refinance my VA Loan, is XXXX XXXX. Telephone # is XXXX. We have been trying to get this done since XXXX!!! 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Home Depot Credit Card thru Citi Bank inXX/XX/XXXX. I have only used this card once for a {$32.00} purchase. I had never received a statement or email about the account balance but did go on line in XX/XX/XXXXand pay the full amount due off. At the time I believed the payment had been made and I had a XXXX balance on the account. It seems that they had never collected the payment which I did not realize. I never received a statement from them and in XX/XX/XXXX I received an email saying the payment had never been made and that I now had a balance of {$130.00}. which included interest and late fees of 3 times the original purchase. I immediately called Citi Bank to discuss this issue and was treated very badly by several of their representatives. I was also asked if I would like them to take the money owed from my checking account that they already had that information in their records. Which proves that I did make the payment in XX/XX/XXXX or they would not have had that information. It was not my fault that they did not collect the money from my account. After discussing this they finally did remove one late fee and I made a payment of {$53.00} to bring the account current leaving what should have been a balance on the account of around {$42.00}. I received a statement finally in XX/XX/XXXX and they had added another late fee ( even thou we had discussed the amount owned and I had paid what they requested ) to the account bring the total owed of {$80.00}. I feel that I have been over charged in fees I have paid the original purchase off and now am being charged late fees on late fees. This seems to be a rip off in my opinion and Citi Bank is over charging consumers and has unfair billing practices. I will pay the {$42.00} on top of the payment I already made of {$53.00} because I can not prove that the payment was not originally made but am very upset over the additional XX/XX/XXXX late fee charge. In total I will have paid {$95.00} for a small charge of {$32.00} and will still owe an additional late fee of {$35.00}. Which I am sure next month I will receive another {$35.00} fee on top of that late fee charge. This has also affected 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 2021-07-14
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX CT XXXX VA XXXX XXXX SS # XXXX dob XX/XX/1962 stop ignoring me and give me answers If some hacked your account and stole your money you would want answers!!!!! 

I Want my money back, security called and told me this would be resolved and it still has not been resolved i need for someone to call be back.I want someone go to jail for hacking my account i need this resolved ASAP READ!!!!!! 

This is XXXX XXXX and here is what happened with my account, on XX/XX/XXXX someone hacked my account and sold all my crypto. They sold XXXX and they sold my XXXX  and they sold my XXXX and then they went shopping with my money. They went to XXXX and company in Washington State, I live in Virginia. They used XXXX of my money. I called XXXX and company last night at this number XXXX they ignored me. I tried to tell them that someone used my money and gave them my name but they could not help me. 

I then sold all my stock and i'm trying to close my account and now all my money is gone this morning!!!!!! 
I can not do your job for you. I needs to go to your security department and all want all my money back!!!!!!! 


This was my retirement money and now it is all gone. I am an old XXXX man and now I am broke!!!!! 

I need you guys to call me ASAP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Bread Financial Holdings, 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:
Im building my credit so I check it every so often. so I wake up one day to see that I had hard inquiries from comenity bank/ XXXX XXXX XX/XX/2021 and XXXX XXXX  XX/XX/2021 I have no knowledge of these accounts an I want them removed ASAP please an thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
I have a credit with XXXX for more that 4 years I never own anything to no body always payed on time But one da desaire to close my account and put me in the bad credit so Im really disappointed question They can make people reputations bad any time they wan to put those people in orden thanks

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 2018-05-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been paying my loan on time until one day my payment did not go through which I have noticed too late. I have paid what is due and even a month in advance. Unfortunately, they have put a negative report in may credit report without warning. I would just want them to talk to me so we can try to get this report off my account. I need to buy my brother a car and I will need to have a very good credit score to get him a new XXXX that he wanted with 0 % APR. I'm really desperate. I have been trying to reach them through the number they left in my voice mail, but I was unsuccessful. Please contact me again so we can work things out. These type of report will stay in my account for seven years. Please find it in your heart to let this one slide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
My loan amount with Capital One Auto Finance has not been updated since XXXX XXXX. It is currently showing the amount of XXXX on my credit report and my current amount on the actual account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: CO
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 have disputed incorrect credit reporting for 7 months now with XXXX  mortgage, Equifax and XXXX. * please see all attached documents. ** We had a mortgage in XXXX of XXXX to XX/XX/XXXX. Which at no point did XXXX mortgage ever service our loan. XXXX began servicing XXXX 's loans on XX/XX/XXXX. Our mortgage was already closed and paid in full. *see attached letter for the letter from XXXX  XXXX regarding this matter* XXXX  should not even be on our credit report. Equifax and XXXX  are both reporting 120 days late which Ive also disputed and neither have cared to respond or communicate any investigation. 

Ive included copy of the credit report showing the account, the letter from XXXX XXXX  showing they never serviced my loan, the release of mortgage deed release dated in XXXX. 

I want this whole account removed off my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have disputed incorrect credit reporting for 7 months now with XXXX  mortgage, XXXX  and Transunion. * please see all attached documents. ** We had a mortgage in XXXX of XXXX to XX/XX/XXXX. Which at no point did XXXX mortgage ever service our loan. XXXX began servicing XXXX 's loans on XX/XX/XXXX. Our mortgage was already closed and paid in full. *see attached letter for the letter from XXXX  XXXX regarding this matter* XXXX  should not even be on our credit report. XXXX  and Transunion are both reporting 120 days late which Ive also disputed and neither have cared to respond or communicate any investigation. 

Ive included copy of the credit report showing the account, the letter from XXXX XXXX  showing they never serviced my loan, the release of mortgage deed release dated in XXXX. 

I want this whole account removed off my credit,

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 2018-05-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An inquire on XX/XX/2016 is still showing on my report where the 2 year mark has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian permanently blocked and deleted XXXX XXXX XXXX  from reporting on my credit profile on XX/XX/ but onXX/XX/XXXX they reinserted the account on my credit report. The account is a fraudulent account in the amount of {$25000.00}! Per FCRA section 611 Experian has to notify me within 5 business days after the reinsertion it is now XX/XX/XXXX and I have yet to receive a certified letter regarding why the account was reinserted. I have filed a complaint with the attorneys general office so I have exhausted all of my resources trying to resolve this issue! The only option I have left since Experian is illegally reporting inaccurate information is to file a lawsuit against Experian regarding illegally reporting fraudulent 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 non-monetary relief
Consumer complaint received 2021-07-14
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 Coinbase Company said I XXXX XXXX. XXXX had insufficient funds to buy crypto currency. I have a balance of XXXX for this day, and Coinbase withdrew XXXX, XXXX, XXXX, XXXX, XXXX, for a total of XXXX withdraws of my funds on this day. There are no insufficient funds, this is an error on Coinbase. I need Coinbase to put my funds back into my XXXX XXXX XXXX bank account. I have provided Coinbase with my bank statement for XX/XX/2021 showing withdrawal of XXXX, and no insufficient funds. The easiest way to look at what happened is to look at my XXXX tokens wallet history. On XX/XX/2021 I converted XXXX  to XXXX tokens. This gave me a total XXXX tokens of XXXX in my wallet. Later in the same day Coinbase XXXX from my bank account, but no tokens for the payments. My XXXX tokens balance is still at XXXX, given no tokens for the XXXX taken out of my bank account. the XXXX would have brought my XXXX tokens wallet balance of over XXXX. My XXXX wallet tokens balance is still at XXXX to this day. Coinbase Company refuse to resolved this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted a complaint two or three weeks ago that does not appear. I suspect it was not filed. Fifth Third Bank violated my privacy and went against their own privacy policy when showing someone else the details of my personal checking account. Since all the accounts are closed, I have asked for statements for all accounts, open to close and keep getting stonewalled. I expect them to send me ALL ACCOUNT STATEMENTS INCLUDING MORTGAGE FROM OPEN TO CLOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: AES/PHEAA
State: PA
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:
The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however,  because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion is reporting the account by XXXX XXXX XXXX  as an open account still, after I proved to them that The account was reaged. They changed the date of when it would be removed, but did not change the status to show that it is now closed because the 4 years have passed. Im so sick of dealing with these criminals trying to unlawfully list this account as still open.

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 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 previously had 3 accounts in my name. All sounds have since be consolidated with another company. XXXX is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.

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 2018-05-16
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a Veterans refi with Quicken loans. After in-depth review my wife and and I got cold feet and advised Quicken ( several departments ) that we were not going ahead with the loan. 

Several weeks went by and then they ran the {$400.00} appraisal charge against our credit card. No appraisal was ever ordered, attempted nor completed. 

We have contested the charge with the credit card company. 

Loan # XXXX

Company response to consumer: Closed with monetary relief