BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My Citibank credit card comes with an extended warranty program, whereby they double the original product warranty. 

I filed a claim under this program XX/XX/2019, and submitted the required documentation. 

After that I made multiple calls and sent multiple follow-up emails to check on the status on the claim, and never got an estimate of the resolution date. On one occasion, mid-XXXX, I was promised a callback from an adjuster within two dates, but the call never came. 

The first communication from Citi after I filed this claim was XX/XX/XXXX, where they asked for the repair estimate, which I submitted as part of the original claim, but resubmitted it once again. I find unacceptable both the fact that they looked at my claim for the first time six weeks after the original submission, and then asked for the document already provided. 

Currently, almost three months after the original claim, I still dont know its status. I feel that Citi is knowingly dragging out this claim to essentially make their extended warranty benefit unusable, thereby failing to deliver on the benefit sold to us as part of the credit card.

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 2022-08-10
Company: EQUIFAX, INC.
State: MA
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:
I am filing a complaint on Equifax. They assumed responsibility of my credit report ( 15 U.S. Code $ 1681a Congressional findings and statement of purpose # 3 ). Congress made it clear that Equifax assumed this role, and I never gave them my consent. Equifax did not have my consent and they violated my privacy by sharing my consumer history with financial institutions without consent ( Title 15 US Code 6821 ). They have tarnished my consumer report. Equifax was being unfair, impartial, and didn't respect my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Midwest Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of ID Theft. I sent a Dispute Letter to Midwest Credit Collections on XX/XX/XXXXand another onXX/XX/XXXX of which they sent ME billing statements of the alleged debt but not a contract with my signature specifying that it was me who signed a agreement for the alleged debt. I enclosed a copy of the ID Theft Affidavit as well as the Dispute Letters sent to Midwest Credit Collections of which all of the fraudulent accounts listed on the Affidavit have been removed from my Credit Reports EXCEPT Midwest Credit Collections and one other of which I am also filing a complaint, all well as filing a law suit. Is Midwest Credit Collections above the Law??? The FDCPA and FCRA!!!!

Please also include Account # XXXX   1/.XX/XX/XXXX Account # XXXX XX/XX/XXXX Account # XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian reporting agency is nit keeping up with my current status. 
The other two are almost 80 points higher. 
When i call them the give me the run around about fico the same fico the other two agency use what is going on? 
They also said i filled a dispute with XXXX  XXXX  on the XXXX  today and i did not? 
They are very confusing to talk to. 
Please help explain why there is such a difference between the other two agency and Experian?

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 2021-04-05
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in forbearance plan for a bout a year now. 2 months ago I asked my mortgage company to do loan Modification for me and they denied my application. I want to resume payment but I cant afford the current monthly mortgage and loan Modification will be the best option for me. 

XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Mortgage company : caliber home loan Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: CMRE Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have NO CONTRACT with this collection agency. Not only do have they failed to provide me proof otherwise with any documentation bearing my signature, showing the account is being reported accurately. They claimed to have send me out a letter but I have not received any letter at all bearing my signature or showing that I have any contract with them or any copies of HIPAA authorization. I am guessing that they are unaware that an itemized document or a printout of a bill does not constitute verification. I feel as though several violations have occurred : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On Saturday XX/XX/2019 : According to an email from XXXX XXXX, my XXXX credit report, stated that someone added me as an authorized user of their account with XXXX XXXX and I did not consent that or know who added me to their account with XXXX XXXX. 

Also a credit card application for a Capital One card was filled out without my consent and I received an email that denied the application. 

I need help to see where and how this occurred and what steps need to be taken to fix these situations. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account went negative for no reason multiple times in XXXX it was never solved and I had to close it. Wells Fargo continually double charged me on items and also charged me fees that were not agreed to.

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 2021-02-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested my credit be permanently unfrozen with XXXX and Experian on XX/XX/2021. XXXX XXXX XXXX XXXX XXXXXXXX is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact Experian and XXXX by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. Thanks.

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 2019-02-08
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I had a XXXX at XXXX XXXX XXXX XXXX. I have been making payments on this account to XXXX directly. I currently owe {$150.00} from that date according to XXXX  website. Today I was contacted by transworld systems to pay a balance from that date for that doctor of {$300.00}, which is the previous balance. They gave me a fake account number that doesnt remotely resemble any other XXXX   account number Ive seen. They tried to say it was a different debt and then they tried to say it was a balance from XXXX. I look online at the XXXX  portal and they say I owe {$150.00} from that day in question. I am livid because they are trying to extort money from me that I do not owe. I have asked them not to contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Bridgecrest Acceptance Corporation
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:
I called XXXX and sent a dispute to the credit bureau in XXXX about the account still showing open on my credit report. XXXX is saying the credit bureaus take 90 days to update their records. Which is false ... one because I did a dispute with XXXX and XXXX lied and told them the account is still open. And they are refusing to correct it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I had converted Binance Cryptocurrency into {$240.00} USD in my Binance.us account and sent it to my checking account. I never received my disembursment email which would let the transaction go through to my bank. I contacted Binance.us through their ticket system and received no response. I have done similar transactions with them before with no problem. This is the first time there was an issue. Finally after no responses from Binance.us, I contacted the XXXX XXXX XXXX. After a few weeks of using them as a liason, Binance.us claimed their third party company that sends the disembursment emails said I received the email. I again stated I have not received it and my funds are still pending as a transfer to my bank account. The XXXX XXXX XXXX closed the cased showing that I did not agree with the resolution. So it's been over a month, and I can not receive my funds, and customer service at Binance.us isn't giving any real timely communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Wells Fargo Corporate 0ffice XXXX XXXX XXXX XXXX XXXX, CA XXXX To all parties concerned : On or more specifically during the protected emergency disaster period of Hurricane Irma RE : President Donald J. Trump Approves Major Disaster Declaration for Florida Release date : XX/XX/XXXX Release Number : XXXX Wells Fargo knowingly purposely and wrongfully attempted to auction force sale my home via the court scheduled dates on 3 seperate consecutive times during the disaster period being XX/XX/XXXX followed by XX/XX/XXXX and continued by XX/XX/XXXX. it is a fact that this banking institution repeatedly ignored and neglected all consequences or damages related or implicated causing tremendous violations against my person surrounding and directly affecting the facts herein by their actions based on unjust, unfair and unreasonable practices. 
Each disaster in this case Irma is a severe event that requires careful assessment. And because relief and recovery may take a long time, The short term period recovery phase of a disaster period typically lasts from six months to at least one year because immediate threats presented by the disaster, including meeting humanitarian needs ( food, shelter, clothing, public health and safety, home repairs, ), cleanup, damage assessment etc. As the response period progresses, focus shifts from dealing with immediate emergency issues to conducting repairs, restoring utilities, clean up process and all affected areas caused by the hurricane including but not limited to all relative implications the stages of recovery dont always follow a neatly defined course or timeline. 
It is a known fact and important to see that Wells Fargo 's response against my person during this very difficult and time was nothing short of a complete deliberate, intentional cruel and unusual act that should be addressed, corrected and remedied accordingly and significantly. 
As a forekwowing witness and victim of this kind of foregoing abuse of actions conducted by Wells Fargo I hereby hold Wells Fargo responsible within the jurisdiction of all violations but not limited to this complaint. 

Sincerly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-08
Company: PLAZA HOME MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I called my mortgage loan servicer ( XXXX XXXX  XXXX ) on XX/XX/2019 to request an adjustment to my escrow analysis. They asked me to mail them my homestead exemption form so that they could revisit my projected taxes for XX/XX/2019. I mailed that form on XX/XX/19 and they confirmed receipt on XX/XX/19. I subsequently have made 6 phone calls to XXXX to request that they expedite my escrow analysis because my next mortgage payment is due on XX/XX/19 and I don't want to overpay, after an escrow analysis is completed my monthly payment will change. Each time I have called, they insist that my mortgage payment will be lowered to the correct amount, however they still have not corrected the amount due in their payment. I'm requesting assistance in getting this issues resolved because they refuse to correct my monthly payments. ( XXXX ) as of today, XX/XX/2019. I can be contacted at XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made my mortgage payments on time. However I keep getting statements that my account is past due and this company is not applying my payments against my mortgage balance but instead they put them in a suspense account and add additional fees. I paid all amounts that were past due according to SLS website : I paid {$89.00} on XX/XX/XXXX, {$130.00} on XX/XX/XXXX, & XXXX on XX/XX/XXXX and all these were additional payments to my regular mortgage payments. 
But as of today my account still showing a past due amount of {$89.00} and i called multiple times for an explanation but they cant seem to explain this. I need to bring my account current. I need a full disclosure of what the added fees are and are they legal and why since my payments are always on 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 2018-03-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have attempted to dispute an incorrect address that is listed on my credit report with Experian in writing and via telephone with customer service agent. Experian " verifies '' this address as correct and refuses to remove this incorrect information. I was the victim of fraud, as indicated by the fraud indicator on my credit report with Experian. I am aware that companies may report my address incorrectly and that there may be multiple individuals with the same or similar name as mine and incorrect information may be incorrectly added, but it is Experian 's responsibility to conduct a complete and accurate investigation and to ensure that only correct information is included on the report they provide. The address XXXX XXXX XXXX XXXX XXXX, CA XXXX is not mine and inaccurate and needs to be deleted from my credit report immediately to avert further fraudulent activities.

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 2019-02-08
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX and XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX or XX/XX/2019, I attempted to open a savings account with PNC Bank N.A . As part of the open account process, I was asked to make a deposit into the account from another banking institution. The deposit date was XX/XX/XXXX. When my account was approved, I received a letter welcoming me and was asked to sign a document and mail back to them, which I did on XX/XX/XXXX. 

I was then out of state for 3 weeks on business from XX/XX/XXXX to XX/XX/XXXX and was not able to access my mail. PNC did call me once during this time, but I was unable to take the call as I was busy and asked them to call me back at a later time, which they never did. 

It turns out that the account number that was entered by PNC Bank was not the correct account number ( it was missing a digit ) which resulted in the deposit being returned and PNC bank charging the new account a penalty of {$12.00}. PNC then closed the account due to the negative balance. The account was closed on XX/XX/2019. 

When I returned, I checked my mail and found a statement from the bank which I didn't understand as well as the returned check. 

On XX/XX/2019 I called PNC bank to find out what was happening and they informed me that the account had been closed due to a negative balance because the deposit was returned and that I owe them the balance of {$11.00} ( {$12.00} - {$0.00} interest on the initial {$100.00} ). I spoke to their escalation department and informed them of the situation and they told me nothing can be done because 30 days have elapsed since then and I'm now responsible for paying them {$12.00}. I was also told that the account could not be reopened and I was more than welcome to open a new account once the balance was paid in full. 

I do not think I should be liable for the {$12.00} on the basis that they did not enter the correct account number which resulted in the returned deposit. At the time that I made the initial deposit, no conditions were established as at the time, it was not known if the account would have even been approved. All conditions are provided in the welcome letter that came at a later date. 

I don't want this balance to affect my credit rating and history due to their error. 

Please Help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Company response to consumer: Closed with explanation