BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank checking account was opened XX/XX/2018 under the " Earn {$300.00} when you open a new checking account '' promotion. The terms of the promotion are to " make a deposit of {$15000.00} in new-to-Citibank funds '' and " maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days ''. The account was funded with {$15000.00} XX/XX/2018 at XXXX PT as shown on the deposit receipt. The terms of this promotion were met, however, the promotion was not credited as promised.

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 2020-11-27
Company: Westlake Services, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a auto loan through XXXX XXXX, who said that I did not make a payment for XX/XX/XXXX payment was made over the phone, the then proceed to say I didnt make payment and send my loan over to Westlake financial portfolio who then sends me a letter stating they have taken over my loan and that my loan is late I then call and try to fix also send proof it has been 1 month they still have not fixed the problem also were calling multiple times trying to collect the loan after me explaining to everyone that Ive paid it and have sent proof still no resolution, I finally spoke to a supervisor who then said they would get it fixed and still nothing has been fixed. I dont dont like this company and I didnt agree to have my loan transferred over.

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 2022-10-07
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called in and spoke to a rep in XXXX. He stated he would close my account after I requested this. I believe I also did a webchat to close my account sometime after this, as it appeared my account was still not closed. The webchat person said they have now successfully closed my account. Just a few days ago, my mother received a notice from PNC showing my account still open. ( I currently live in XXXX XXXX and my mother receives my XXXX mail for me ). I don't want any accounts open with PNC. I previously had a BBVA account with no fees. PNC bought out BBVA bank and they took my BBVA no fee account and defaulted it to a PNC account WITH fees ( utterly disgusting business practice ), so I needed to/still need to close my account. I have twice attempted and twice been assured my accounts would close. So now I need to file a complaint before they try to tack on more unjustifiable fees and I hope other BBVA account holders didn't also have their money stolen from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXX, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b . See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/XXXX, PNC Bank is still reporting my home equity line of credit as " Modified '' to the 3 major credit bureaus, despite the fact that PNC Bank refused to modify it in XXXX or XX/XX/XXXX. 

In XX/XX/XXXX, I I entered into a trial plan agreement to temporarily lower the interest rate with the hope of getting a permanent modification, where PNC Bank would lower the interest rate and put the remaining past due balance into a new amortization schedule, that would lower all of my future payments on the loan. 

I made all 3 trial plan payments as scheduled in XXXX and continued to make payments after that. I provided all of the documentation that PNC Bank requested. In late XXXX or early XXXX, someone from PNC Bank called and told me that my permanent loan modification request was denied because " I had insufficient income in relation to my financial obligations ''. I said that is not true, and even if it was true, the loan modification would help me meet my financial obligations. PNC refused to change its decision. 

On XX/XX/XXXX I made an arrangement to pay the past due balance of {$920.00}. 
Payments for {$460.00} and {$460.00} cleared my bank on XX/XX/XXXX and XX/XX/XXXX, respectively. 

It is like adding insult to injury, and is very misleading that PNC Bank is still reporting the loan as modified. I had tried several times to get PNC to remove " Loan Modified '' from what it reports to the credit bureaus, but PNC refused to do it. I called PNC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I talked to XXXX XXXX in the Retail Escalations Group at ( XXXX ) XXXX, XXXX ( XXXX ) XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX said that Ms. XXXX mailed a copy of the loan modification agreement, the denial letter, and my XXXX account history to me ; however, as of XX/XX/XXXX, I have not received them. Ms. XXXX also told me that my only recourse to the false reporting is to file disputes with the credit bureaus - That is something that I have already been doing, through a third party credit repair company, without success. 

See the attached PDF that has the temporary agreement to lower the interest rate, on of the credit bureau reports that shows " Loan Modified '',  and bank statements that shows my payments to PNC Bank. 

PNC Bank is not fulfilling its obligation to help borrowers who ask for assistance. Although I am current in paying on this loan now, I do not want lies on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I found out that someone one open an account under my name with Bank of America and starting to sent money from this account that was open under my name.

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 2018-12-31
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX failed to provide notice of debt for Medical Bills on behalf of XXXX XXXX. The address on file with XXXX didn't match the address the debt notice was sent. During this period incurred interest of XXXX. I request the interest fees be refunded.

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 2019-03-09
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Barclays Bank charged me an {$89.00} annual fee in XXXX associated with my XXXX XXXX XXXX credit Card. Several days later they notified me via email of changes to the terms of the card benefits and agreement and would not refund the fee that has already been paid. They charged me a fee and then did not fulfill the terms of the agreement associated with the fee. The Fee should be waived or refunded.

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 2018-03-04
Company: Experian Information Solutions Inc.
State: MO
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 Saturday XX/XX/2018, I received post card stating XXXX, XXXX and Experian were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

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 2018-12-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was sold to Freedom Mortgage and they offered to refinance to a lower rate, so I took the offer. From there, they were quite difficult to deal with. They do not answer their phones, return voicemails or emails, do not properly schedule closings ( scheduled and no-show ), and keep you on hold for hours/do n't call back with option for call back. If this is how they act before they get your money, imagine how they'll act when they already have it.

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 2019-10-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX {$1000.00} balance transfer was sent to XXXX XXXX, XXXX never received the payment or posted the payment to my account. Now I have a balance of {$1000.00} on my account. I never received a physical copy of a check or any type of verification from chase bank that a balance transfer was approved or completed. I called and spoke to a representative and advised the check was cashed, there was no check ever sent to me and its nothing to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2013, the validity of the collection account was disputed over the phone and all contact directed to my attorney. 
Account Number : XXXX Original Creditor : XXXX XXXX By communicating the debt to credit reporting bureaus, e.g., XXXX, without acknowledging that the debt is disputed, National Credit Systems violated the FDCPA for the failure to communicate that a disputed debt is disputed. 

For reference : 1. The " original creditor '' is no longer in business.
2. The statute of limitations for enforcing this type of debt through the courts in Texas has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Commenity Bank called my father on XXXX/XXXX, XXXX/XXXX and XXXX/XXXX at which time they disclosed my debt concerns with him. They also called my brother on XXXX/XXXX and disclosed that I am in debt and stated that I had until XXXX today to call them back or they were going to take legal action against me, they left this information in a voicemail to him. No one in my family was aware of my situation until these calls were made. This was private and has cause a great deal of public embarrassment for me. 

I did call them back and have set up payment arrangements. I however would like to know if legal action is appropriate in my case. 

I called and spoke to them multiple times to advise them the medical reason that I fell behind in my accounts. I asked them to stop calling me while I was at work as I am unable to answer my phone while there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tried to open a checking account with Wells Fargo and was told during the process that the account could not be opened. At first, I was told that there was a problem with my credit. I went and checked my credit report and there is no problem. I called the bank and was told it has something to do with my relationship with Wells Fargo, but no one can tell my what the issue. All thatmy husband and I have with Wells Fargo is a mortgage ; which I am in good standing. I was told on XX/XX/XXXX that there would be a resolution in 10 days. It is now 19 days and the case manager can only tell me that there a letter is being mailed to me but he doesn't know what is states. I called the customer service department and explained the issue again and still was unable to get an answer ... .1 ) I have good credit 2 ) I have a mortgage with Wells Fargo in good standing 3 ) I am not asking for a  loan ; all I want to do is open a checking 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
Consumer complaint received 2019-10-24
Company: BANNER CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband passed away in XXXX. My bank statement for XXXX showed social security deposited his money into our account, three days later it was taken back out. I assumed social security did this. My appointment with social security wasn't until XX/XX/2019. I asked about them doing this, social security informed me they did not take back XXXX 's money because that check was for XXXX. He said my bank did that to me. I stopped by our bank, Banner Bank, to ask why they did this to me and how they had the authority. Also they did not send me any kind of notice.They said it was their bank policy, I asked many times to see their policy and it was never given or shown to me. They did not have the authorization to do this, not from me and not from the social security office. Not to mention what they did to my finances at the time also dealing with my husbands death. I know I am not the only one they have done this to. I plan on leaving Banner Bank and spreading the word on how they do business.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has charged me overdraft fees for when my acc is low. They also charged me {$10.00} when my account reached below {$500.00}

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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-24
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2019-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : US DEPT. OF EDUCATION/XXXXL The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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