BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I DONT GIVE A XXXX IF THE CHECK WAS UNPAYABLE BY THE PEEPLE I GOT IT FROM, WHERE IS THE ORIGINAL INSTRUMENT [ CHECK ] WITH MY WET INK SIGNATURE? AND WHAT DID YOU DO WITH IT? AND WHY IS IT SO VALUABLE FOR YOU TO HIDE, TO KEEP, TO RESELL,? EXPLAIN TO ME THE DEBT WHEN YOU MADE A SECURITY INSTRUMENT OUT OF THE ORIGINAL CHECK AND SOLD IT, LIKE YOU DO TO EVERYBODY ELSE YOU CRIMINAL XXXX XXXX LIARS MISCREANTS, so EXPLAIN TO ME A WRONGDOING? SO WHAT WRONG DID I DO? EXPLAIN THAT TO ME,,,,,,,,,,,,,,,,,,,,,,,,,,, CITIBANK is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so CITIBANK has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY citibank representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet citibank makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY CITIBANK, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN XXXX   XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,

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 2023-03-10
Company: Experian Information Solutions 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 information incorrect

Complaint:
EXPERIAN HAS FAILED TO LOWER MY CREDIT USAGE PERCENTAGE EVEN THOUGH I PAID MY ACCOUNTS. & AM UNDER THEIR REPORTED CREDIT percentage ratio

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 2020-10-24
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX XXXX v. Wells Fargo On XX/XX/XXXX at XXXX, I called Wells Fargo Customer Service ( XXXX ) because my debit card was unauthorized cancelled even though I had sufficient funds in my checking account. Wells Fargo staff neither reinstalled my card nor presented any mitigation solution to address the issue. Also, I could not access a branch nor a ATM because does not have one in XXXX XXXX Missouri. The closest branch is located at XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( around 26.92 miles ), and it is temporary closed as well as is its ATM is unavailable ( app.1 ). As a result, I could no buy food, gas, or other basic products ( Fig.1 ) Due to my desperate in having the basic needs fulfilled, I called Wells Fargo couple times, and each time I got different answers so sorry, there is nothing we can do. We apologize .that boiled down in nothing. I can rush a new card by  Monday XX/XX/XXXX ; however, between XX/XX/XXXX to XX/XX/XXXX, I have been exposed to starvation for lack of access to funds. 
On Saturday, XX/XX/XXXX at XXXX, I called again Wells Fargo , XXXX , the banker escalated to the Advocacy Dept. , XXXX , that escalated to somebody else. This individual said the solution is a ATM with access code for 30 minutes. However, according to her there is not ATM in XXXX XXXX and when I gave my Zip Code XXXX, she directed me to Mississippi. 
Wells Fargo in XXXX paid {$480.00} millions is a class action for wrongdoing. It is not a surprise that this financial institution is not complying with Expedite Funds Acts when comes to make the funds deposite accessible to the costumers.

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 2020-10-24
Company: LoanCare, LLC
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:
In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore  the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. Loancare/XXXX  sold my loan to XXXX in XXXX with first payment due to XXXX  due in XXXX. When I called XXXX, they hadn't received any of the info on the forbearance or deferment from LoanCare/XXXX. I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX LoanCare/XXXX  reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on  XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX. 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive requested the three bureaus spell and hyphenate my name correctly and remove all variables that are said to be incorrect and they refusedmy name is XXXX XXXX XXXX and NOT 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 2023-03-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On or around XX/XX/XXXX I applied for a XXXX XXXX credit card from XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a email that I was denied for a line of credit due to the fact that my fico3 score did not meet their criteria of XXXX above. So I contacted logged to my Experian account to check my fico score and to my surprise I have a score of XXXX dated back from XX/XX/XXXX I called Experian and asked for a updated fico3 report from leader in management and I was advised that I couldn't and wouldn't get a updated version of my fico3 report if I didn't purchase a membership & subscription.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent accounts, XXXX XXXX XXXX  account number XXXX, and XXXX XXXX account number XXXX, XXXX XXXX XXXX accounts XXXX, XXXX, US Dept of Ed/XXXX  account XXXX XXXX, State of MI. Office XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX. account number XXXX, and -account number XXXX has violated my right XXXX under Article 15 USC 1681 section 602 ,8 I have a right to privacy and 15USC 1681 section 604a.section 2pPermissible purpose of consumer reports can not furnish my report without my written instructions, and 15 USC code1692c. can not communicate with debtor 's the I was not aware of these debts until I accessed my credit report and dealing with identity theft and being denied housing because of this negative entries on my report I had know knowledge of and I ask credit bureau to remove these items several times and they refunded and didn't to a proper investiga tion.

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 2020-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. 

On XX/XX/2020 Is sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the XXXX  security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.

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 2022-04-27
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've filed two complaints and they've both been closed. XXXX and XXXX XXXX. When I check the status, it says I didn't respond, this is incorrect. I have not received an email or a letter, I would respond. I've been locked out of my checking account with Truist for almost two months now. I had to stop direct deposit, because again, the bank will not give me access to my account. My ATM card no longer works, they are holding nearly all the money I have.

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 2023-03-09
Company: TMX Finance LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, I attempted to make a regular monthly payment of XXXX ( I make my payments on time every month ) When I logged in the amount changed from XXXX to XXXX so I called Title Max of Delaware located at XXXX XXXX XXXX, XXXX DE XXXX they advised I refinanced my loan most likely unknowingly thru the mobile app when I was making on payment on XX/XX/2023. They stated I received an additional loan payment in the amount of XXXX, I never received any additional funding and when I asked where and how this amount was given to me they are unable to confirm or trace the payment to me. This now caused my loan to go into default also causing my vehicle to currently be on the repossession list, I have filed a civil action against them currently and it is causing XXXX, stress and sleepless night worried about my vehicle getting taken. I have never missed a payment on my term.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To CFPB - Harassment Complaint - XX/XX/XXXX Since XX/XX/XXXX, for no previously communicated or otherwise known reason, I have received 23 harassing, debilitating, debt-collecting recorded telephone calls ( averaging one or more per week ) from Harris and Harris, Debt Collectors, XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. And since I have been debt free for several decades -- e.g., zero credit card interest ; by-the-book sale of my home of 25 years in XXXX, XXXX, with no lose ends -- the initial legal guidance requested suggested that I not answer the calls as they were likely a mistake. 
-- 23 calls - XXXX XXXX -- XXXX ; XXXX -- XXXX ; XXXX -- XXXX ; XXXX -- XXXX ; XXXX XXXX -- XXXX. 
Eventually, I did call Harris and Harris back several times, and received a short recorded message before the call was transferred and got : ( 1 ) disconnected ; ( 2 ) " No one is here to take your call. Goodbye! '' ( 3 ) silence. 
Again, I have received NO NOTICE of specific debt re : this matter before or during this nearly one half year marathon by Harris and Harris of poignantly painful calls, coming from a debt collecting company that continues to get an A+ rating from the XXXX XXXX XXXX of XXXX , IL despite as many as several dozen consumers mistakenly ( a tweaked algorithm? ) contacted annually. 
Yours sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, PA XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-04-27
Company: TRANSUNION INTERMEDIATE 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:
Hello Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

after this incident I no longer have peace there are many calls with offensive words that I am receiving daily I received many threats I am afraid to go out on the street because of these threats

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 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited {$10000.00} from my XXXX XXXX XXXX XXXX bank account, into a capital one HY savings account. Two weeks ago, roughly around XX/XX/XXXX. I went to withdraw some money and found out there was a hold placed on the account. Called the first number, Capital One said that theres an investigation into the original deposit on the account because it came from a business account. I informed them that Im the owner of this business account and can verify that, they said that theres nothing they can do. They have no dates on when my money would be released. Went into a capital one bank in XXXXXXXX XXXX  on XX/XX/2023. They said that there was nothing they could do. They dont have any more information. They however did give me a case number ( case XXXX XXXX ) and another phone number to call. When I called that number Capital One said that theres been a flag on my account since the original deposit they have no knew answers on when my money will be released. I asked again for them to return the money to the original account. They said no they cant do that. They have no answer when my money is gon na be released or when the investigation will be over. Theyve held my money for 4 months without telling me and I would like my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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 file several dispute regarding inaccurate info on my credit report.. The bureaus, creditor and collectors fail to comply.. They have not removed the inaccurate items nor have they attempted to correct it.. This is taken too long and has become a burden to me and my family with the items remaining on my credit.. Can you please help me with making them comply so I can put this behind me..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took a private loan from Navient ( Sallie Mae ) back in 2008. Initially I wanted to get the fixed rate but was advised by the finance advisor to go with the variable because the fixed rate was too high and I could change it in the future. I later found out when I started making payments that this is not true. 
Currently my monthly bill consist of paying 85 % interest. I am mostly paying the interest instead of the principal. Due to my current income, I am only able to afford the minimum payment. 
The interest they charge is ridiculously high and they claim there is nothing they can do about it. They also do not allow borrowers to switch from a variable to a fixed interest rate. The variable rate is never low and is constantly high. 
I contacted Navient and asked to be given the variable interest rates that I have been paying them, however they could not provide the information and told me that they will email me the information ( I have not received it ). Navient claims to have borrowers interest at heart, but this is not true. Not only was I misguided with information but they informed me that there is nothing they can do with my current payment set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been services by Loan Care, XXXX XXXX XXXX, XXXX XXXX, VA XXXX since XX/XX/XXXX. I attempted to log into their system in XX/XX/XXXX to make a payment. The system would not allow me to log in using the credentials I had been using for the past 11 months. When I contacted Loan CarXXXX they would not explain why I was unable to log in. Someone was supposed to contact me to resolve the system issue but no one never contacted me. Today, I again attempted to log in and was still unable. When I contacted Loan Care again, I was told by their Customer Service department multiple people were unable to access their online accounts. I am concerned based on what seems to be low levels of security as well as the fact my access and other customer 's access was shut off that they may have breached. I would appreciate it if someone would be able to investigate my concerns.

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 2023-08-07
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I call US Bank Home Mortgage XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) ask them both for refinancing papers to assume rightful ownership apart from joint party in order to reduce income to debt ratio and it been months now without any information given by o either party. US BANK sent many denial of refinancing solely base on an old credit score in which is not the same for months. Creating XXXX XXXX XXXX XXXX as the main reason for denial summiting false score of XXXX ( XX/XX/2023 ) when in fact it been XXXX since XX/XX/2023. Also XXXX XXXX XXXX warrenty company is stalling a Air Handler for our 14 year home air conditioner unit serviced by XXXXXXXX XXXX XXXX XXXX XXXX GA License # XXXX ) ( SC License # XXXX ) XXXX I have invoice and place work order XX/XX/XXXX or two weeks prior and have not receive any work yet XXXX  continue to debit my account.

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