BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with citi and enrolled in the Citibank {$700.00} Checking Offer. The requirement that stated in the offer is in the following : To earn {$700.00}, complete these required activities* : 1.  Make a deposit of {$50000.00} or more ( multiple deposits allowed ) in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within thirty ( 30 ) days from account opening. 2. Maintain a minimum balance of {$50000.00} in the eligible account ( s ) for sixty ( 60 ) consecutive calendar days following the date when you made the {$50000.00} deposit ( " Minimum Balance ''  ). I have transferred the fund in XX/XX/2019, I was supposed to get the bonus by XX/XX/XXXX according to citi that " the cash bonus will be credited to your new checking account within ninety ( 90 ) calendar days from the date you complete all required activities ''. 
I submitted a claim to CFPB on XX/XX/XXXX ( XXXX ), and received their response on XX/XX/XXXX. I mailed the W-8 ben form as Citi 's request on XX/XX/XXXX, and emailed the Citi Executive Response Unit that I have mailed the form, and expressed my concerns. I've not received a response. I've called Citi bank several times today, and a representative have confirmed that they received my W-8 ben form but told me that I have not been W-8 ben form certified. As the same problems has been happening, I questioned how many times do I have to send the W-8 ben form to Citi if they just keep not verifying it. As I did submitted W-8 ben before for twice. The representative put me on hold and after a while the call got hang up. As you can see in one of the screenshoot, I have called Citi bank 9 times today. For 3 calls I got to talk to a representative, and 2 of the calls got hang up when the representative put me on hold. For the last call, the representative put me on hold when he was looking up my case, and then I got transferred to another representative. I was told by the last representative I talked to wait for one more week. I have not got an answer when exactly I'll be getting the bonus yet.

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 2022-04-28
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My name is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX MI XXXX In XXXX I purchase a home and financed through XXXX XXXX XXXX  XXXX, who been sold to XXXX Mortgage in XXXX. 

I made a payments to XXXX XXXX till my loan was sold to XXXX XXXX, I never received any notification about my loan is going be sold to another company or assigment of mortgage never been recorded in County. XXXX XXXX filed a BK and transfer my loan to Speacilize Loan Servicing, who I am making payment righ now. 
I always make my payment, even when I faced a hardship and apply for modification payments was made on time I purchase a home with mortgage balance {$250000.00} per they caculation for ten years I only paid {$20.00} XXXX with monthly payment {$1300.00}. How this possible? Becuase when last company who obtain my mortgage in XXXX ( SLS ) start with ballance {$230000.00} Per mortgage amortization balance after 10 years should be {$200000.00} I been scam for {$30.00} XXXX. I am not sure, who to contact due to XXXX doenst exist anymore and XXXX filed BK. As consumer, who worked hard for the money, I should have right to find out what is going on. I am not even talking about interest I paid on money, which not even I can collect and I am sure so many people is facing this problem Please help

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 2017-09-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX is advertising rates on their website they can not give to me. I am purchasing a home for {$650000.00}, putting down {$200000.00}, mortgaging {$450000.00}. I have a XXXX fico core. Their website says they can give me a rate of 3.75 %, XXXX points. When I called, the LO said he could not offer that to me because I was located in a High balance area but that he could offer me a rate of 4.25 %, XXXX points and they would offer to lower this rate by an .125 % if I would open up a checking account at a Citizens Branch and sign up for auto pay. 

How can a company misrepresent rates on their website?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
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:
Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, 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 2023-03-30
Company: EQUIFAX, INC.
State: CA
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:
The following closed accounts have still been reporting false & inaccurate information on my credit report the is a violation of my rights has been affecting my credit worthiness. 

Accounts : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: JPMORGAN CHASE & CO.
State: NY
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:
My chase Amazon visa credit card had incorrectly filed my dispute as " cancelled charge '' when I had called customer service for a Double charge. I contacted them and showed them the second charge, and they said they could " no longer recover the fund '' because 60 days had passed. Attached is my insurance payment showing this same charge was Also charged to my insurance.

This is a violation of FCBA because Chase 's dispute department had incorrectly filed my dispute and is now saying they are unable to return the charge due to their mistake. I spoke to customer service several times, including XX/XX/XXXX, XXXX with XXXX XXXX, an account supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13
Company: Dovenmuehle Mortgage, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DMI claims that we did not make one of our mortgage payments ( for XX/XX/2020 ). We have made every payment on time ( we do it through automatic payment through our local bank ) and have done so for the past 8 years on this mortgage. I provided proof of payment as well as tracking numbers for the payment as soon as I was notified by DMI. However the problem is still not resolved. I have been trying to work with DMI customer service for months ( calling in near weekly ) to resolve the confusion. Always the answer I receive ( week after week ) is that the research department is working on it, but nothing ever gets fixed. Our credit scores have fallen due to DMI misreporting that we've missed a payment. This has large financial consequences anytime I want to apply for other financial services and credit is pulled. I have asked that this be fixed. I also do not have a correct 1098 form to do my 2020 taxes. I have spent so much time on the phone with DMI trying to help, and again nothing. The problem persists. I have given up working with DMI as no matter who I talk to ( customer service reps and 'managers ' ) nothing is fixed or progressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
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:
The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.

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 2022-04-28
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Closing with RoundPoint Mortgage was incredibly frustrating. On closing day on XX/XX/2022, we were very close to not signing the papers as the down payment, monthly mortgage amount, and credits due back to us all had changed from what we originally discussed with them and from the closing disclosure that was provided to us a few days prior. They were lucky that we still qualified for the loan as they had increased the mortgage amount drastically and I was fighting for the house as I did not want to go through the home-buying process again and get a loan with a higher rate ( as they are increasing constantly ). On the initial disclosure, our mortgage should have been {$3600.00} with {$60000.00} down ( including closing costs ) and with a {$4800.00} lender credit. In the closing disclosure provided to us a few days before closing they changed it to {$3800.00} monthly mortgage, {$63000.00} down and {$4700.00} lender credit. When my husband and I found out about this increase, especially in the monthly payment as we originally told them our budget is around {$3500.00} a month, we complained to RoundPoint and they mentioned that they messed up the calculations with taxes and the they were sorry for the error. Apologies were all that we got, no other financial rectifications. I let them know that this is not a small error as this loan is over 30 years and it's a big increase in monthly payment. I also mentioned to them that I better not go to closing and find another increase, and guess what happened, we had totally new numbers that we saw only when we sat down to sign papers at closing. The final numbers were {$3900.00} per month, with {$64000.00} down payment and {$25.00} in lender credits. We felt like we just got scammed- the closing process took 5 hours as we were very upset and we had to run through the numbers with them multiple times so we understood where our money was going and where the lender credits that were promised to us were going. It was possibly one of the worst days of our lives as we had worked very hard to get to the point of purchasing our first home and the experience was an absolute nightmare. Not to mention that they had switched banks in the middle of us applying for the home and by the time we applied with their new bank interest rates had gone up so we lost out on that as well - along with multiple hard credit pulls for the same house.

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 2017-09-28
Company: EQUIFAX, 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:
Hello. I am writing in reference to incorrect information placed on my credit report. My name is XXXX XXXX, Social Security Number XXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The information placed on my credit report is in reference to a medical bill, for {$150.00}, by XXXX XXXX, titled XXXX, dated that it was opened " XXXX XXXX, XXXX ''. There is no account number presented on my credit report, nor is there any contact information for the hospital. The hospital is located in Maryland. This medical bill/account does not belong to me. I did not receive any medical service from this hospital during that time period. I have been living in XXXX XXXX, CA for the past 4 years, in which my credit report also shows my address as being in California. I disputed this information to all 3 credit agencies and XXXX and XXXX both found that there was not enough evidence to prove that the account belongs to me, therefore, they removed it within 2 weeks of my dispute. However, I have made the same dispute to Equifax, twice, and they still refused to have it removed, even after I called to ask them what proof was presented to prove that the bill belonged to me. The representative could not explain, just stating that the hospital had my name and date of birth. I then replied that they may have that in their database as they do with anyone who may have visited the hospital in the past. I have not visited that hospital in over 4 years. I have no other " negative '' nor derogatory information on my credit report besides this one hospital bill, which I know is clearly a mistake on their behalf. Also, I had never received a letter from them. I also contacted the hospital to dispute the charge and they told me to write them a letter to dispute and stated that there is nothing can do because they " sold '' the account to a collection agency. I asked what she meant by sold, she refused to answer. I asked her how could they sell someone 's personal information and do not have the proof needed to prove that they have the correct person. I stated to her that people use others information to receive medical treatment. She then stated again that I would have to contact the collection agency or credit agency. I wrote the letter and faxed it over and then was told two weeks later, when I called back to follow up, that they never received it. A different representative then stated that I needed to go through the collection agency or credit bureau because it is out their hands. I am requesting that this information please be removed from my credit report as it does not belong to me. And again, this is the only derogatory information on my credit report, which has caused a decrease in my credit score. Thank you so very much for your time and I look forward to hearing back from you soon. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX and was notified about a hard inquiry on my credit which was associated with XXXX XXXX XXXX. I do not know the exact inquiry date but just received the XXXX notice today, XX/XX/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 2022-04-28
Company: Shellpoint Partners, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did a forbearance with Shellpoint Mortgage Company and was completely mislead.

Per Shellpoint, I could do a forbearance and this would not harm my credit in any way. I explained ; I would not be able to pay the amount at the end of the forbearance, they said not a problem. I could put amount that was owned on the end of my loan and do a modification, I said that works. Well, I did the modification but did not know my credit would be affected. I have been trying to get the negatives taken off my credit report and Shellpoint refuses, they stated letters were sent to me. I explained that my XXXX XXXX XXXX mom XXXX had a XXXX XXXX in XXXX, then another one in XXXX, so I never read any letters, I trusted what they were saying to me : GOD WHAT A MISTAKE. You can understand the stress that I was under and financial problem due to COVID-19. The worst part is I sold my house, and Shellpoint knew I was selling the house. I now can not get a mortgage company to give me a loan. I am XXXX and have worked my whole life for good credit. My credit has gone from in the XXXX hundreds down to the XXXX hundreds. I will be homeless. I am a register XXXX XXXX XXXXXXXX. I am sick over this. I don't know where to turn for guidance, please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have received inaccurate reports on my credit score. I have tried in multiple occasions to verify this from the company but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello I talked to them and other programs and repayment plans or options and they said that my plan will just be getting interest but a fixed one and that was not true and another person said I can cancel my loan but I have to give up my degree for the XXXX XXXX. Also on my credit score they put it as a default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I recently received a copy of my Equifax credit report and after reviewing it I noticed that Equifax has REPOSTED a charge off account that was previously disputed and removed from my report. I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. This is a violation of FCRA and I demand that this account is REMOVED and BLOCKED IMMEDIATELY from ever reporting on my report again. I have attached the FTC report that I sent Equifax last month about this account previously as well at the report that they sent me showing that it had been removed from my report last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: IN
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: Investigation took more than 30 days

Complaint:
I have been in contact with my bank regarding my mortgage loan since XX/XX/XXXX after reviewing my credit reports and showing they are not submitting payments that are being made on my mortgage loan. I have contacted the company more than several times over the course of the past 5 months. Yet, they still have not updated the three credit bureaus with corrected information regarding payments that I have made, also they have yet to reinstate my credit score. Which is desperately hurting me financially in many ways and continues to lower my credit score even  further. I have brought this matter to XXXX corporation many times over the past 5 months. I have even recently contacted all three credit bureaus in which. Only one has received any updated information. That information is still not submitted correctly by XXXX. I have been given the run around and the issues still have yet to be corrected by XXXX. I even contacted them this morning in which they stated everything had been submitted, corrected. Yet the credit bureaus stated either the information had not been submitted yet. Or is still incorrect. I also have yet to get my credit score reinstated as XXXX should legally be doing after they failed to report payments made on my mortgage loan since XX/XX/XXXX. I have done everything in my power to get the company to fix the issues on my credit. However, it goes absolutely no where and causes myself and my wife more stress and wasted time sitting on the phone. I am now asking for your assistance in this very important matter. Thank you, 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 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
A fraudulent address has been found on my credit report and has stole me identity. Also hard inquiries is on my report because of this stolen identity

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