BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: CITIBANK, N.A.
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:
I received a notification that my account was 45 days past due. I have had this account since XX/XX/1995 with no late payments ever. So I sought to understand how this transpired.

1. I received a new card with changed terms and Citibank disabled my auto pay.

2. I went on line to re-establish the autopay set up. I also made payments of {$500.00} for the month of XXXX and XXXX. 
3. Citibank processed two payments for the month of XXXX for {$500.00} and autopay for whatever reason was not set. 
4. Consequently, the payment for XXXX was not processed. 
5. When the XXXX Payment went past due, I did not receive a phone call.

6. I was added to the do not call list without my authorization and is the reason why I did not receive a phone call that my account was  past due and therefore could not take corrective action. 
7. It appears an old number ( XXXX ) XXXX was called on one of my other citicards-not the account in question. Citibank authorized a do not call without my speaking to me. They never called me on the correct number that was tied to the account in question. It seems protocols were not followed. 8. So here I am with a 30 day past due on my credit report due to no fault of my own as Citibank disabled my autopay, processed
payments incorrectly and authorized a do not call without my permission. I would like to have this corrected on my credit report.

9. We are in the middle of a pandemic and I understand the banks are overwhelmed and many people are in financial distress. So, things may have slipped through the cracks. However, I should not be penalized for attempting to pay my account on time as I always have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for a modification, was told I have exceeded my modification limit. Second, was told when I applied that I was not delinquent with mortgage. I was on my second month behind. That is misleading, why in the beginning did they not tell me I was not a candidate. My yearly income is {$XXXX}. First time around they calculated into 4 weeks, now they want to divided daily amount. My monthly expenses are {$4700.00}. My wife has left me to care for XXXX kids with no help, they think it 's not a reason. I love my house and it 's not the best looking in the neighborhood. I 'm trying very, very hard to stay here and raise my kids. I need help and feel no where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: CITIBANK, N.A.
State: IL
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:
Citibank account ending in XXXX with a disputed charge with XXXX XXXX of {$240.00}. Citi refuses to take my dispute seriously even though I have proven with documentation that this seller sent me the wrong supplements and I returned all of them and this is confirmed and I am owed a full refund. 

I need this removed. I am a XXXX person and on a limited income and can not afford to have my credit ruined because Citi won't help the situation in a professional way.

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 2018-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. On XX/XX/XXXX a notice from the court was sent out that all debts in this plan were satisfied and are no longer collectible. This account is still showing up as an active judgement on my court record and a bad debt on my credit report even though it is paid in full. I have attempted to contact XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX in XXXX, WI as they are the lawyers who entered the judgement against me. However, I have only gotten a voicemail. I did leave a message in regards to my account but never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Money and dates on online banking didn't seem right. Looked like money missing. I'm going to have to go through it myself to check. Fraud department helped a lot in beginning then when low or out of funds the customer service level dropped and stopped properly filing claims. Filed a claim around XXXX XXXX that didn't show up a few days later. Disputed XXXXXXXX XXXX XXXX and another. I need to obtain a printout of all months. Was receiving a balance alert of {$0.00} for a month and called to file a claim and was told account was closed even though it was at XXXX for a long time still receiving emails. I filed the claim for around {$400.00}. I received 4 letters in the mail XX/XX/18 one stating I would be awarded XXXX then one saying I passed a time limit to file a claim and denied all {$400.00}. I spoke with the fraud department and they refused to send in writing this time limit. I don't believe them and having a time limit makes no sense. I explained I paid the wrong company so they were fraudulent charges but still didn't change their mind. Refused to give employee ID numbers.

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 2016-01-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, i requested Loan modification, to my mortgage leader, and they denial, I also requested short sale, and they have been playing game, asking documents offer and offer again. Now I really need help. My Phone number is XXXX. Or my husband number XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: REGIONS FINANCIAL CORPORATION
State: AL
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:
Regions has been reporting an account delinquent that never was. According to statements and printouts from the bank the account is current. There are late fees that are passed due but payment has been made before being 30 days. Regions back office and branches can not figure out why the systems do not match up. This is affecting my credit and 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 non-monetary relief
Consumer complaint received 2021-02-11
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In or around XXXX XXXX XXXX I received a bill for moving out of a apartment unit in XXXX XXXX, California for around XXXX from a debt company and among the charges was I think around {$800.00} or more for new carpet through out the unit. I had only lived in the unit for about 8 months, so I contacted the collection company by phone and email and disputed the charges and filed a complaint with the California Attorney Generals office against the collection company because they were pretty rude. I also contacted the lard lord and disputed the charges and sent them a letter stating that. As of this date I have not heard from the land lord corporate office regarding the disputed charges. It is my understanding that there is some amount of time period allowed when a debt is disputed with a collection company and the debt company must provide verification of disputed amount. I have not heard from this in any written form since I disputed the amount. I have attached a copy of the letter I wrote to the collection company and the land lord disputing the amount. The last thing I heard from the land lord was that they were sending my concerns to the corporate office. Which I attached a copy of the response form XX/XX/2020.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
In my role as the XXXX XXXX XXXX for the XXXX XXXX XXXX ( " XXXX  '' ), I oversee the bequest administration process. I have a full time paralegal who works on gifts we received as part of someone's planned giving at the time of death. Often times, the XXXX is listed as a beneficiary designee for an individual 's IRA. When that happens, every single financial institution requires that the XXXX XXXX XXXX open up an account in order to receive the funds that have been designated to come to the XXXX. Whether or not this step is necessary is debatable, but that is not the subject of my complaint. In opening up the account, most financial institutions ask for information about the representative opening up the account. I am authorized to act on behalf of the XXXX so it is my signature every time. We process dozens of beneficiary designations each year. In many cases, I am asked for my personal Social Security number to open the account. As you may imagine, in this era of frequent breaches I am uncomfortable providing my personal Social Security number on a regular basis simply to do my job. It is not required under the law. There are a number of articles on this topic I am linking one : XXXX XXXX XXXX On most occasions, we are able to successfully persuade financial institutions that they do not legally need my individual social security number in order to set up an account for my organization, which only wants to receive the money it was bequeathed. However, after several conversations with XXXX XXXX XXXX, I was essentially given the choice of disclaiming the gift for my employer or providing my individual Social Security number. I am providing that number very reluctantly would like the CFPB to stop financial institutions like Huntington from this unnecessary and intrusive of my privacy. 

The people at Huntington I dealt with were XXXX XXXX and XXXX XXXX and a lawyer named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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: Their investigation did not fix an error on your report

Complaint:
The following account has misrepresented my credit file and worthiness for years now. However, it was rightfully removed in XXXX, but reappeared in XXXX without warning as promised by the FCRA. Dates and amount unconfirmed. Never received any physical documentation as previously and many times over requested. This account has been paid ( 1099 c ) meaning there's no debt owed. Nor has my request for the Method of Verification into this matter been met. Keeping in mind as a general rule electronic Verification can not be suffice in such manner. Please remove and permanently block this over aged unauthorized account ( XXXX XXXX ) from my credit file immediately. Your cooperation is appreciated.

1. XXXX 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 2021-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove this from my credit repor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
PAID off my XXXX XXXX credit card on XX/XX/XXXX online. Got email from company that payment had been applied to my account and posted to my account on XX/XX/XXXX, and was POSTED and withdrawn from my checking account on XX/XX/XXXX. Mind you, there is no disclosure on the email or anywhere on the website advising this is a policy and that there would be a hold on these payments, and in the past, my payments have always applied and been available immediately, or the next day at the latest. Even a {$2500.00} payment made 2 months prior was available the next day. So, when i tried to use this card on Tuesday, XX/XX/XXXX, it was declined. i was very confused so i call the company, and i was told there was a hold on the payment and he wouldnt advise why and that it was just their policy that it has a 7 day hold before the avail credit is avail. Waited until next day, XX/XX/XXXX, and still nothing avail. Called again, as i paid the card off to book a family vacation, that the price is increasing daily, only for the manager to advise me, that due to the amount of the payment, being out of my normal payment amounts and algorithm different, even with the {$2500.00} pay prior, that their policy is these larger payments require a 7 day hold, and due to the amount there was nothing they could do to release the hold, and i am basically penalized for 7 days, and cant use my card to book my trip, until after the 7 days!!!!!!!! and due to the high limit of the payment, it wasnt even in her limit to release the hold!! i am beyond distraught about this awful policy! and being able to book my vacation, that is increasing daily!!!!!!!!! I work for a fortune 100 credit card company and have never heard of such a policy, or was even disclosed this info!!!!!!!!!! How is this 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 2021-07-09
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I logged onto my XXXX XXXX account and noticed a " XXXX '' collection. Lewis, McDonnell and Associates had reported a collection for the amount over {$1700.00} for XXXX. I have not been contacted by this company. I previously had another company reporting the debt for just over {$1000.00}. I have received NOTHING from Lewis MCDonnel and Associates regarding this. Not only is that a violation, but reporting an incorrect amount. Also stating the account is OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company name is XXXX which is located in Georgia I never live in Georgia I live in XXXX XXXX XXXX were I reside for years some in Georgia must of used my name I live in New York and we do n't carry XXXX I have a cable name XXXX XXXX hopefully I could get this resolved and taken off my credit report hope to hear from someone soon 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 explanation
Consumer complaint received 2018-02-22
Company: WELLS FARGO & COMPANY
State: MA
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:
Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, Wells Fargo Home Mortgage started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by the XXXX of XX/XX/XXXX, XXXX and XXXX ). The XXXX XXXX XXXX reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date. 
To my surprise, I reviewed my CRA noting WFHM delinquent report for 9months. 
I addressed this information with the bank, stating unaware of the report to the bureaus. 
This false report is badly reflecting my score while rebuilding my score and hard work. 
Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the XXXX, City Hall Mayor 's office, and my Attorney.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and 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 explanation
Consumer complaint received 2021-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking my credit to purchase a home, I found a debt for capital one credit card. I called the company and they told me that the card was close due to fraud. The representative told me not to worry about it and that it should fall off because of fraud. Now the debt shows up under XXXX and not on the rest of the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX XXXX. They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XXXX of XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XXXX of XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XXXX of XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve 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