BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-26
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Please re-open case # XXXX. Despite a letter I have received from a XXXX XXXX XXXX from Citi bank stating the funds of {$18000.00} and {$23.00} had been mailed to the current address on record I still have not received any money from Citi Bank. According to the letter from Citi Bank the funds were mailed to my previous apartment address on the date of XX/XX/2019. I had access to this apartment address up until the date of XX/XX/2019 and can confirm that no checks addressed to me for these amounts were present in that mailbox on or before that date. On XX/XX/2019 I updated my address to reflect my current home in XXXX, Missouri. Around the date of XX/XX/XXXX, I received a paper copy of the letter from XXXX XXXX XXXX in my mailbox at my current home address. On XX/XX/2019 I called CitiBank again to inform them I never received the checks containing the funds within my closed savings account. The representatives on the phone continuously stated I must not have received the funds because I no longer live at the apartment address. However, they had no explanation in regards to the fact that I still had access to the apartment mailbox up until XX/XX/XXXX and never saw the checks in the mailbox. Whenever I requested a second check was mailed to me I would be placed on hold and transferred to another department. My final conversation was with a representative named XXXX. She had stated that she would be unable to send me a second check despite having the information to show the previous checks had never been cashed. She stated she would need permission from " someone else '' and to call back in 5-7 business days. It has been since XX/XX/XXXX, of 2019 that Citi bank had froze my savings account and has been holding on to over {$18000.00} of my personal finances without my consent. I am absolutely astounded and at a loss as to what do. It is unbelievable that a very large, professional, banking corporation can hold any amount of an individuals finances without there express consent for nearly half a year. Please provide any assistance possible to enable me to obtain these finances.

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 2021-02-21
Company: STATE FARM BANK, FSB
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In summer XXXX I incurred unexpected auto repair expense that wrecked my fixed income ( Social Security ) ability to pay my two credit card payments. XXXXXXXX XXXX  was very helpful and gave me a long term no interest payment plan that I've been paying for over a year. State Farm Bank ( now bought by XXXX XXXX ) put me on their hardship program in which my payments were {$60.00} per month for a year. In XX/XX/XXXX this hardship year elapsed. My XXXX statement was 50 % more than the hardship payments for the previous year. During the hardship period my income decreased by more than 10 % due to XXXX deduction. On XX/XX/XXXX I called State Farm/XXXX XXXX and asked to remain on the hardship program. " XXXX '' told me that day that " we can't do that '' at which time I informed her that " yes, you can ; you just refuse to do so. '' I happen to know that the bank can do pretty much whatever it wants, up to and including writing off the entire account balance. From XX/XX/XXXX to XX/XX/XXXX I made no less than a dozen attempts with State Farm/XXXX XXXX  to arrange payments I can actually afford. All I got was the " we can't do that '' lie. " XXXX '' told me this same lie on XX/XX/XXXX. I have a voice recording of that conversation. On XXXX XXXX someone at the bank brought up the " permanent hardship program '' and I asked " why hasn't anyone told me about that before? '' The bank person had no answer and I was never offered the chance to be in this heretofore unknown program and they never brought it up again in all the numerous calls, letters, and emails I sent them relative to this matter. In XX/XX/XXXX they sold the account to a debt scavenger and I've made one payment to them and figure to continue doing so. My complaint has to do with whether the bank can blatantly and repeatedly lie to its long time ( more than ten years of not being delinquent ) customers with the " we can't do that '' lie. Also that no effort was made to tell me anything else about the so called " permanent hardship program '' that was only mentioned that one time in 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 2021-02-03
Company: WELLS FARGO & COMPANY
State: WA
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:
Wells Fargo is inaccurately and unfairly reporting to credit bureaus and causing further debt entrapment to their customers. 

During the lockdown, I requested my loans be entered into a forbearance XXXX and I entered again from XXXX. XXXX did not communicate limits to this and subsequently removed them from this status resulting in 30-60-90 day late reporting. Again, no limits had been communicated to me or my co-signer, despite me making an additional request in XXXX to extend. 

When I inquired when/why these changes places to place, it took speaking to the XXXX to get an answer that wasn't " you need to pay these to bring them current ... that's all we know '' and I waited an additional 15 days to be told they had no intention of acknowledging their lack of compassion, communication, or damage to my credit report. In addition to catching them rack fees in my account and being issued a refund for multiple instances of these fee assessments, I believe Wells Fargo is a predatory bank that should be investigated. 

They are resolving themselves of their place in the student debt crisis and selling their student loan accounts to a third party -- leaving thousands of us with loans nearly in default to instead deal with collection agencies where additional fees will be added. 

This is unfair, inaccurate, and it should be examined further to prevent Wells Fargo from further profiting from it's predation.

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 2020-07-03
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$76.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents verifying this debt have never been provided to me and the main reason for that is, they do not exist, but if they do, as you should know, you have 5 days to provide them to me In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the licensure, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was sold/transferred to PHH Mortgage from Ocwen. I had just been approved for a repayment plan from Ocwen on XX/XX/XXXX and made a {$1200.00} down payment to begin the plan. I made my first payment of, {$1300.00} in XX/XX/XXXX and then my loan was transferred to PHH Mortgage. My loan was sold and without my knowledge my approved payment plan from my previous mortgage company Ocwen was cancelled. When I attempted to make payments online with PHH, it never showed any payments I made this year ( XXXX ) totaling over {$2500.00} to my previous mortgage company. The PHH online system also never listed my approved repayment plan that began XX/XX/XXXX, with a monthly payment of {$1300.00}. This payment plan wasnt scheduled to be completed until XX/XX/XXXX. On XX/XX/XXXX, I applied for mortgage assistance with my current mortgage company PHH, I received a letter from PHH stating my application was not complete and I had until XX/XX/XXXX to submit the missing documents needed to complete my application. I found out today online via XXXX that my house is scheduled for foreclosure auction on XX/XX/XXXX. I have not received anything from the lender PHH or their attorney regarding a foreclosure sale. This was done while a request for mortgage assistance application was open. I looked today online at the activity on my account with PHH and found out my mortgage assistance application was closed by PHH employee XXXX XXXX on XX/XX/XXXX. I never asked for my mortgage assistance application to be closed especially since I had until XX/XX/XXXX to complete it. I never received a denial for mortgage assistance from PHH. What PHH Mortgage is doing to me is Not legal and Im requesting the foreclosure sale being stopped and/or cancelled immediately. I have attached documents as proof to support everything that I have listed on my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED TEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2021-05-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021, I sent a letter regarding all the unauthorized inquiries on my credit report. It is now XX/XX/2021, and I have not received results from my investigation. My information could have been involved in one of the credit reporting agencies ' data breaches. They have failed to keep the consumer 's private information safe and then could not help correct the situation. I felt used by the agencies and need help. All unauthorized inquiries need to be deleted by law asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: UT
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:
There are many mistakes appear in my report without my understanding.

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 2018-03-28
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:
Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.

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 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services one time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX  on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. TransUnion has 7 inquiries and XXXX has 8. The numbers don't even match each  agency, and the random credit runs were unnecessary actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Conn's, 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 status incorrect

Complaint:
Conn 's has been falsely reporting negative information to all 3 credit bureaus XX/XX/2019. I purchased a laptop from Conn 's on XX/XX/XXXX. The laptop was returned on XX/XX/XXXX. The restocking fee of {$100.00} was paid in store at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have explained this several times to Conn 's. I do not have an open account with Conn 's and this company continues to report negative payment history. Due to this, my credit has dropped 45pts and I have been denied credit from other creditors and was unable to close on my house due to this issue which resulted in a lose of {$2000.00}. I have called Conn 's several times over the past 4 months to have this issue resolved. I have been told several times that they would correct the issue in 10 business days. Per conversations with Conn 's reps, legal action will be taken if this issue is not resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I went to XXXX XXXX from XXXX to XXXX to the XXXX XXXX XXXX program. During that time I was told they the program was accredited and that I would be able be certified. The program never became accertified and I was never able get a job in that field. 

I submitted a Borrowers Defense Claim in XXXX for the XXXX XXXX student loans. It has now been 3 years and the claim is still pending. Because this claim is still pending its affected my credit greatly and its even affected me trying to buy a house. When I called Navient to see my payment options where I was told it would be over {$800.00} a month. There isnt even a chance to consolidate loans for a lower payment due to the ongoing dispute. Due to this dispute, I am not able to move forward or pursue additional resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV sent a letter trying to collect on a debt. On the letter they say they would report the debt but they are reporting the debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Telsa Motors Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sent XXXX XXXX ( {$1100.00} XXXX to this website : XXXX XXXX XXXX  I first heard of the website on a XXXX post on XXXX XXXX XXXX XXXX feed. Turns out it is a scam and now I lost this money and have no way of getting it back. The website says that it is hosted by XXXX, which is probably fake. 

The digital wallet that I sent my coins to had this address that is also on this website : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I complained about this credit card Company back in XXXX about proving that I made payments on this account and on time. I thought it was all settled when I informed you before. I now discover that Barclay charged me another late fee of XXXX and added XXXX to my account when it states payment and they charge the payment instead of crediting it. On my Current statement and last Months statement it states I owe XXXX for a pmt As you can see, I made XXXX pmts. Now they tell me that I own over XXXX in pmts. I have never been late on this account yet they have my account stating it is late again. This has been going on since XXXX 2020. 
I have sent them notices about this and they state someone will call me. NO ONE has ever called and my phone # has been the same over the last 5 years. I have tried to call them several times and they place me on hold and never return. 
Please see attached proof.

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 2019-11-16
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a membership at XXXX XXXX for a couple months it wasn't working out that I had time to go so I went in and talked directly to the same manager that opened the membership and canceled the account that was taken directly from my checking account he said no problem and told me it was cancelled so I went on with life for a little over a year hearing nothing from them till I open my mailbox one day to a bill for 11 months of membership totaling XXXX dollars. And I call them and they said my membership was never canceled. And owed them for it. This is fraud. I canceled my membership by talking to the manager of the location!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: American Credit Acceptance, LLC
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation