BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX the banking account took banking fee amount of the acct of $ XXXX ( bank services fee )  then charged over draft fee of {$34.00}. I noticed as well that some days take $ XXXX on XXXX then XXXX of each month when its convenient for Citi Bank to profit of the fees. They charged 3times th amount of $ XXXX fee on XX/XX/XXXX - of {$34.00} - I have been with Citibank for 7years. I have noticed the accounts recently in XX/XX/XXXXstarted having problems occurring with services -- -- I not the only individual who seem to not understand why so many stipulation on such accounts. I have 2 checking accounts and savings just recently reduced package to different package to save monies of the banking fees that did not work either -- - I have been with Citi bank for 7 years never had a over draft -- -- spoke with representative XX/XX/XXXX at XXXX ( ID # ) XXXX he did not resolve anything -- - or offer a waiver -- -- the question of these proceedings of bank fees causing a overdraft of 3times the amount does not seem reasonable and as a customer for 7 years is absolutely ridiculous -- there needs to be an investigation in their practices of accounts -- -- - and those stipulation in which Citi Bank is altering their own policies. This not the first time of misleading information -- -- or miscalculated incidences regarding fees -- -- - the policies does not add up -- --

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Problem getting your free annual credit report

Complaint:
I have requested my credit report from TransUnion several times over the past 3 months. TransUnion refuses to send me my credit report or allow access to my credit report online. I even sent a letter to XXXX XXXX with a request to remove the block from my credit report that would allow me access online. XXXX XXXX is the one who gave me the instructions on how to have this block removed and he promised to send me my credit report. This has not been done.

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 2023-05-16
Company: U.S. BANCORP
State: LA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
US Bank acquired my CD when they purchased XXXX XXXX XXXX. US bank renewed my CD without notice for 30 months at 0.05 %. To close the account they now demand a penalty of over {$8000.00}. How can this be legal?

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 2022-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This creditor XXXX XXXX did the inquiry on my credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: NJ
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 submitted numerous disputes ( online, over the phone, at least 5 times in the year of XXXX ), most recently XX/XX/XXXX ( via 609 letters ) regarding inaccurate information on my credit reports. Through these letters I have asked for proper documentation validating debts owed and have received nothing. When I've called, most recently XXXX, XXXX, and XX/XX/XXXX, to inquire about whom received this information in order to validate it, the supervisors informed me that they simply do not know and don't have access to that information. 

Under the Fair Credit Reporting Act 15 USC 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of my requests concerning the accounts that are being reported in my credit report. While i have received a credit report stating these accounts are verified, i have YET to receive documents supporting such debt.

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: EQUIFAX, INC.
State: GA
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 2023-01-10
Company: EAST WEST BANK
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I refer you to East West Banks response dated XX/XX/2022, in relation to the above- captioned subject. In that letter, they declined my complaint. 

Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps blind ) belief in the system, I had high hopes for East West Banks letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates Good Industry Practices, which call me to defend my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiries was obtained unauthorized and reported to the credit bureaus, and it gives me a negative impact on my credit report. Either this inquiries promised to be soft or hard pull still not authorize and have no agreement Whatsover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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 sent a compliant to Experian, and there response is that I did not send in this request. My name is XXXX XXXX XXXX, and I am a victim of identity theft, and I am sending in this complaint for the second time.

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 2023-10-01
Company: Mr. Cooper Group Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed 10 complaints since XX/XX/2023 on CFPB yo receive all documents billed yo me in XX/XX/2023 for {$2800.00} in LEGAL FEES billed to me. 

I LEAGALLY REQUEST ALL DOCUMENTS TO VALIDATE THESE LEGAL FEES BILLED TO ME IN XX/XX/2023. NOT ANYTHING THAT IS NOT THE LEGAL FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX  - XXXX has transfferred my mortgage too : Select Portfolio Servicing. I am receiving mortgage default phone calls from Select Portofilio advising they are collectiong on a debt for a default mortgage. I received 3 phone calls  on XX/XX/2018 from Select Portfolio Servicing demaning mortgage payments that are delinquent and the respective late payment charges & interst amounting too {$15000.00} plus 2 past due mortgage payments in the amounts of {$1300.00} & {$1300.00}. 

I am not in default of my mortgage payments ; I am not behind in my payemnts. Why is a debt collections agency calling and sending me written mortgage default requests for payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We obtained financing for our apartment, which is a unit in a cooperative building in NY, back in XXXX of XXXX and closed. Ultimately, the debt was sold off to another lender, then to another, before finally being sold again to XXXX ( with our loan being serviced by LoanCare , LLC ). By the middle of XXXX, we had paid off our mortgage in full. At this point, we had tried to obtain a home equity line of credit and discovered that we could not without having the original stock and lease certificate in our possession. 
The original stock and lease certificate is unique to cooperative buildings and serves to provide the holder with the right to live in the unit. Without the original, the building can not authorize the sale of the unit. This was held as collateral by the lender at our closing and should have been released to us upon our payoff of the mortgage. We've had requests in for LoanCare and XXXX to provide us with our original stock and lease certificate for over a year now and have called repeatedly and frequently to get updates, reinitiate request tickets, and have just been given copies ( which are useless to us ). LoanCare and XXXX appear to have no idea of how a cooperative building works and never seem to understand why we need the originals. In recent months, they tell us they understand what we need exactly and continue to provide us with copies. At this point, it is clear to us that they do not have the original document and should be providing us with an affidavit of lost stock certificate to provide to our cooperative building so that they can issue a new one to us. However, they refuse to do so.

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 2022-04-08
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 status incorrect

Complaint:
My credit report as of XX/XX/2022 is still showing XXXX XXXX XXXX when company cease, agreed to stop reporting that account in the case with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i tried to apply for car at XXXX and they said they was going to only do XXXX but it was 25 hard inquires poured on my credit report delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage for my primary home through Freedom Mortgage based our of NY. I have been paying them on time for the last 5 years with a Direct deposit on the last day of the month without a miss. 
Last XXXX, they categorized one of the payments into suspense and marked my regular mortgage payment late. 
Since then, they did not want to acknowledge the error and correct the statement because of which I am not able to refinance. 
I tried working it out with the company for last 6 months with no success!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good evening XXXX.XXXX, I understand your position, I have made payments to the citi prestige card ending in XXXX. 
I recently sent over documentation other than the stop payment order I issued on XXXX XXXX, XXXX. When I noticed that the payment was not received by citibank issued the stop payment to protect my account information I attempted to contact you via telephone yesterday and today both attempts were unsuccessful.I have attached via email and fax canceled checks indicating I paid double the minimum amount due for the prestige account I thought that by paying the current month and following month would keep the account current.I was not aware the account had gone past due I never received any contact from Citibank regarding any of my accounts when you stated my citi simplicity card ending in XXXX was past due I immediately made payment on the account. In addition, i would like to add that if I had received a statement indicating the balance and the amount owed for the citi simplicity card ending in XXXX. I would have made payment on time I have impeccable credit as you may have known to qualify for the citi prestige card you must have excellent credit. To my knowledge, Citibank had failed to inform by mail or telephone about my account status I have been with Citi for over 20 years XXXX.XXXX only when you informed me that my account ending in XXXX was past due was the only information that was sent to me stating the past due status.I will contact using the telephone you provided to give you more information to receive a better resolution than before. I am very thankful for your help in this situation. Hopefully, with the new information, i have provided will overturn your initial decision. 




Highest Regards, XXXX XXXX XXXX Contact information Home # XXXX Cell XXXX Email XXXXXXXXXXXX

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX isn't the proper creditors as of XX/XX/2023, XXXX XXXX has sold the debt of {$1400.00} to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX REFERENCE # XXXX Account number : 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 2018-05-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is trying to collect a debt that is not mine. This is a result of identity theft and not mine, I have never had XXXX or cable service at all ... Please check your records and remove from my credit profile or I will have no option but to handle this in small claims court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to buy four XXXX XXXX basketball game tickets for {$420.00} on Saturday XX/XX/XXXX using XXXX with XXXX in my JPMorgan Chase Mobile cell phone app. the seller gave me their email and I confirmed the email with them and transferred the money. the seller/recipient explained that they did not receive their money. 

I called my bank, Chase, and had them try to cancel the pending transaction after a half an hour, the same night, after having the recipient check their junk mail folder. i was told since the transaction was pending and there was nothing the agent could do, and to call Chase support back on Monday. I called on both Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. the transaction cleared on XX/XX/XXXX.

i called Chase bank support tuesday morning XX/XX/XXXX and was told that since i used XXXX with XXXX and that it was a third party service offered by Chase Mobile that my bank, Chase, could not do anything to guarantee my money back. they offered to open a claim with XXXX but could not guarantee my money back. 

after not hearing back from my bank, Chase, i called them on XX/XX/XXXX and was told the case was closed but had a case with XXXX open. i was told if the recipient tried to take the money from the receiving account that the account would be suspended and that i would get my money back -- but was also told this was a very slim chance that it would work. 

JPMorgan Chase bank offers a third party way to pay someone without any protection for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Citibank-XXXX XXXXt account. 
Back in XXXX we moved into a new home and didn`t have a washer and dryer. So, the wife said they have a sale at XXXX XXXX. So I went there and they stated I can put this on the XXXX XXXX credit card and save even more. So, I took one out. I was told I have a year to pay interest free.. No Payments for a year option as well. So, I started paying on it in 6 months. {$200.00} a month from XXXX to XX/XX/XXXX. Then I haven`t received any notification to pay any more. I thought I was done since after my purchase I cancelled the card so I don`t use it anymore except to use it for the payment purposes only ... 
So, if you add {$200.00} a month for 24 months of paying on it equals {$4800.00} on a {$1800.00} purchase. Okay 14 % interest ... Paid off, Right? Nope.. They sent me a letter stating I owe them XXXX????? WRONG.. They are trying to get a double pay out of me. 
Now that I told them that it was paid off since they haven`t sent me anything to pay for almost 2 years, it was paid in full. Then they said " Oh we sent out notices ''!! I lived in the same house didn`t change addresses and I didn`t receive anything for almost 2 years? 

Can you say FISHY, FISHY, FISHY ....

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 2020-07-14
Company: Williams & Fudge, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Also after a dispute through all credit bureaus the company has failed to update the comments stating that it was being disputed as required under the FCRA. 

This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: WELLS FARGO & COMPANY
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good morning, In 2004 I included this Wells Fargo XXXX line credit into my bankruptcy. Both the loan and bankruptcy were in Colorado. Since then, it appears on my bank account as active and Past Due. I have repeatedly called, met with officers trying to get this removed from my record. 

During my latest attempt, the Wells Fargo representative looked at my account and very loudly pronounced well, youve got a XXXX line of credit that yiu are past due on! And everyone in the bank nearly looked at me. This is not the first time a Wells Fargo employee has been less than careful with private info. 

I was furious but politely left. She was completely unprofessional in both appearance and attitude and I was humiliated and had my privacy disrupted right there in my Brothers home town bank in XXXX XXXX, NV. 

The original loan was obtained in XXXX, Colorado. 

This has affected my credit and I am done trying to go thru Wells Fargo to clear it up. 

Thank you for your time and expertise.

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 2023-06-07
Company: EQUIFAX, 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 have a closed credit card account with the Police and XXXX XXXX XXXX XXXX. The card was charged off and settled in XX/XX/2022. Upon review of my report from XXXX, Equifax is reporting that this account is 180 days late which is not accurate!

Company response to consumer: Closed with explanation