BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a new citibank banking customer, I deposited {$15000.00} into a new Savings account and am unable to link an external bank account which would allow me to transfer funds back out of the account. I followed all steps online to link an external account, however when I try and make a transaction with the external account I receive the following message : We've encountered an issue and are unable to complete your online transaction. If you're having problems completing this process, please call Customer Service at XXXX press Option XXXX then option XXXX, or call XXXX XXXX if you are outside the U.S . Please have your AT

M or Debit Card number available. I have contacted Ci
tibank 5 times on the phone for this matter and none of the agents have been able to assist or find the problem. I have been told that my account is marked for fraud and have been sent to the fraud department three times, each time I validate my information and they tell me they can not help and transfer me back to technical support. 

After being sent in circles, I requested a supervisor callback, was told I would be contacted within an hour and never was called back. I called in 8 hours later, spoke with another supervisor, XXXX, who was extremely rude, she talked over me, interrupted and told me I needed to call back and talk with someone in the fraud department the next business day. After telling the supervisor, XXXX, that I had been sent in that loop all day, she told me she couldn't help and ended the call.

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 2020-06-02
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
Unknown to us, Nationstar mortgage has repotted a 90 late payment on the credit report during Hurricane Harvey forebeance and the modification period thereafter. 
I have repeatedly called and asked for assistance to have this damaging and incorrect information removed, but they have not replied. 
We have never made a late payment on this loan. We were granted forebearance and followed all of their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: KY
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:
Back in XXXX, XXXX, I learned that XXXX XXXX XXXX  was reporting that I was delinquent on my mortgage in XXXX and XXXX of XXXX. That was not possible since I sold my house on XX/XX/XXXX. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/XXXX @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.

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 2021-11-29
Company: Self Financial Inc.
State: FL
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:
late payment reported on XX/XX/2021. All payment was paid on time direct deposit was set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: CO
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:
Was calling around to inquire about mortage/HELOC rates, had one sales rep say he can " pre-qualify '' me without it hurting or any bad marks hitting my credit report, after the phone call my credit had an inquiry that I did not want and went down about 5-6 points. I tried calling the issuer at XXXX but says company is no longer in service, I feel like I've been taken advantage of. 
I have since frozen my credit reports to prevent any further unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions Inc.
State: MO
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 HAVE FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING HAS BEEN REMOVED.

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 2021-01-26
Company: First Technology Federal Credit Union
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:
Hi, I opened a checking account in the First Tech Federal Credit Union for the referral bonus of {$100.00} with a deposit of {$250.00}, so I signed up using one of the links provided by the person. After the successful opening of the checking account, I deposited {$250.00} ( XXXX ) and it's been more than 2 months ever since I deposited the amount. The term said that I need to have {$250.00} for a month until the bonus posts. I never got my bonus and I contacted them via a secured message. Now, they are stating that I need to provide them with the information of the referrer, which I do not have and this was not in the terms for the {$100.00} referral bonus. The term specifically said to open the checking account under their link or with their promotion code and deposit {$250.00}, nothing about letting them know about the referrer 's information. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
- I filed an insurance claim guaranteed by my Amex card to Amex XXXX. My laptop was taken within my sight by a XXXX in a coffee shop and Amex is denying it saying it was negligience although the laptop was within my sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : PORTFOLIO RC ( 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2021 Balance : {$1100.00} ; PORTFOLIO RC ( 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2021 Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint. Trans Union did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!

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 2018-07-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This has been and ongoing issue and I each time before seem to have been ignored. Wells Fargo had ignored my personal concerns so much to the point of having time run lower and lower with this issue. Their last response they had stated that the statute of limitations had run out. Even with my first contact by telephone I was given the runaround without any straight answers. Each phone call nothing to nowhere. I had even asked if I could speak with a supervisor. They told me that they were not available. I know that it has been sometime. The FDIC is the folks who referred me to the CFPB. Wells Fargo had kept asking for days, dates and amounts of transactions. I told them each time I have no idea the exact amount. I do not even know the exact dates. If I had known I would have provided them with that info. I not that long ago had a bit of a windfall. That being said with my personal savings and checking was up to {$20000.00} dollars. I myself rarely spend money I have to be careful and using sparingly. I am a XXXX person and do not have much money. Wells Fargo is the bank that has held my account for many years. I do believe that it is their responsibility to keep that money safe. Wells Fargo knows how much money that I have and they also know that I can not afford an attorney. If I could have afforded an attorney I would have seen one as soon as they denied and misappropriation of personal funds. I do not qualify for much of any help and or assistants from any law service. Wells Fargo knows that I'd never be able to retain any forms of representation. So that is why I believe I had been ignored all this 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 2020-12-10
Company: Experian Information Solutions Inc.
State: CO
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:
On XXXX XXXX 2020, I received an email offer to apply for an XXXX XXXX XXXX Credit Card backed by XXXX XXXX. 

I submitted the application with the understanding that sole liability would be for the business. 

I was surprised to see an inquiry on my personal credit for the card. 

I read the disclosures shown on the screen carefully and at no point is it clearly stated that personal credit would be run. I have been informed since that it is hidden deep within terms and conditions that personal credit would be run. 

Had I been made clearly aware that personal credit check would have been processed, I would not have completed the application. I would like the inquiry removed. 

In addition, somebody needs to work with XXXX XXXX to insure that they are not practicing unclear tactics to process credit applications, IE the disclosure that personal credit is going to be run should be clearly stated when filling in your information, not just deep within terms and conditions.

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 2018-07-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have a Chase total Business checking account as well as the Chase Premier checking account. There had been a lot of struggle for Chase to unify the customer profile and still the issue was not fully resolved. Ideally Chase should not outsource the IT jobs and hire some good quality ( not cheap ) IT folks here to fix these kind of trivial issues.

Due to all these challenges - I decided to close both of my accounts. Prior to that - I transferred the money out of my accounts. Also sent an email via Chase secure message center to close my account.

Rather than closing my total Business checking account - Chase keep on saying - come to the branch to close the account etc ... and further put a {$12.00} fees as monthly maintenance fees ( yes, of course when somebody wants to close the account due to poor customer experience they will take out all the money and then close the account ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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 have tried to dispute this account with XXXX, Experian, and XXXX. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter

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 2018-09-26
Company: Debt Recovery Solutions, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to Debt Recovery Solutions and requested validation of this debt as I did not have a account with XXXX. 

I have not received anything back after several attempts to resolve the matter myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: ERC
State: IL
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:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Gm Financial continued to call me after informed them several times in XX/XX/XXXX and XX/XX/XXXX that I am victim of XXXX XXXX, and I am XXXX. They violated my safety when they called my ex who the restraining order is issued against providing him with my address and asking him if he has seen the car, spoke to me and GM representatives asked him to contact me. I informed GM via email to NOT contact my ex I have restraining order against him and they still continued to contact him. They violated my safety, health and well being of my XXXX minor children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am not sure if this rises to the status of a " complaint '' or not, but after I purchased my current home with a conventional mortgage from my local credit union ( XXXX XXXX XXXX XXXX in XXXX, XXXX ) in XX/XX/2012, my loan was then sold three times in the first year until it reached XXXX XXXX in XXXX XXXX . It has been there ever since. But when I tried to make payments every two weeks in order to reduce my total interest payments and shorten the duration of the mortgage ( a common financial strategy ), Regions would not credit any additional payments after the first one was made. Instead, Regions just " holds '' the money paid in any second payment that month in what it calls a " suspense account '' that only credits the money to my account when my next monthly payment is due. In essence, they prevent their customers from making more than one payment per month unless the second payment is at least as large as the total monthly payment. When I phoned their customer service department, I was told that this is their policy for all mortgages and there is nothing I can do about it. 

I realize this might be legal for them to do, EXCEPT that the terms of my original loan with XXXX did not contain any such limitation. My understanding is that loans can be sold as long as the original terms of the mortgage are still upheld ( interest rate, monthly payment amount, etc. ). So if my original mortgage holder allowed more than one payment per month and immediately credited my payments, shouldn't the same be true of any subsequent mortgage company that my loan is sold to? Thank you.

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 2020-12-10
Company: A.R.M. Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a call from XXXX who claimed to be collecting debt on behalf of XXXX XXXX XXXX from 2019. They had an old address of mine ( XXXX XXXX XXXX ) but I haven't lived at that address in a while. I contacted XXXX XXXX  and they had no record of my debt. They claimed they were from Arms Solutions which is who XXXX XXXX  uses. I'm thinking it's a scam since they pressured me to pay immediately and did not answer when I called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with Keybank. Inexplicably, Keybank blocked access to my funds for over a month before finally releasing my funds in full and closing my account. Zero fraudulent activity occurred. I have been having difficulty opening a bank account and I recently learned that Keybank reported me for " checking account fraud. '' Zero fraud occurred, I never had a single returned transaction or anything of that sorts. On the other hand, Keybank froze my money for over a month for no reason at all, so who exactly is the one committing fraud? 

I also had a safe deposit box at Keybank. I should have received a prorated refund, but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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:
remove the ftc violation on ftc 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