BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have used a CITI bank XXXX XXXX XXXX  card for the past 35 years. I have used the card because I am XXXX and XXXX. I have to travel with an XXXX The advantage miles allow me to purchase XXXX seats for me and my XXXX 

I have used the card twice in the past 35 years in order to attend XXXX XXXX. I am XXXX XXXX XXXX and can not travel XXXX 

When I contacted the XXXX XXXX service on XX/XX/2021, I was told that XXXX points had been used for a trip to the XXXX in XXXX, 2021. II told them that this was fraud. I have never authorized anyone to use the card and my name is the only name on the account. They put me on HOLD for 77 minutes.

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 2020-04-26
Company: Army and Air Force Exchange Service
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: Public record information inaccurate

Complaint:
Credit disputes, I requested to have an accountdisputed throughmy XXXX  credit monitoring systemin regards to a Chapter XXXX discharge regarding my account. When AAFES responded to the dispute they automatically re-reported the same chapter XXXX discharge closedwith a new report date of XX/XX/XXXX when my Chapter XXXX was discharged and closed on XX/XX/XXXX resulting in my credit score dropping from XXXX on XXXX, XXXX to XXXX on XX/XX/XXXX the day they falsely reported the account again to the bureau. I haven't opened any new accounts, haven't ran up any charges to my credit cards, haven't bought any high end items so my report should take such a huge hit like this. The only reason my credit rating dropped vastly was because your double reporting and my account reflecting that it was closed on the XXXX of XX/XX/XXXX instead of the original court mandated date of XX/XX/XXXX. After my chapter XXXX discharge AAFES were only supposed to report once to the credit bureau. I respectfullyrequest AAFES update my credit report to update this issue and add the XXXX points back to my FICO score. I'm currently in the process of purchasinga home and AAFES has completed halted the process due to their negligentactions in falsely reporting the credit bureaus. I'm a XXXX percent XXXX XXXX Veteran and this has caused great damage to my future planningsofsecuring a XXXX  friendly home. I have attached my credit report reflecting such change. Thank you in advance for your support. 

V/r, 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 2018-01-22
Company: SYNCHRONY FINANCIAL
State: CT
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:
Hello, I have 3 hard inquires on my credit report without my authorization. 
The names of the companies and dates of the inquires in my credit report are : 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 non-monetary relief
Consumer complaint received 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
" Bank America is blocking you from enabling external applications. The Consumer Financial Protection Bureau makes sure Banks, and other financial companies treat tou fearly. You can alert Bank of Amarica that you need access to your financial data by filing a complaint with the CFBP ''. 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 2018-01-22
Company: JPMORGAN CHASE & CO.
State: TX
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 am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. I have NOT spoken to this company on the phone and any claims saying I have is not accurate. All communication regarding this inquiry has been through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
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:
Equifax continues to ignore fraudulent accounts that do n't belong to me. They refuse to properly investigate and continue to ignore information that was provided to them in terms of fraud affidavit and police report. Also Equifax has inserted positive accounts that do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account was in a lawsuit filed in XXXX, in XX/XX/XXXX we agreed to dismiss the lawsuit if the corrected the report. We agreed to make XXXX trial payments in the amount the requested by XX/XX/XXXX. We completed the payments but they went back and marked those payments for XXXX, XXXX and XXXX. Then reported us as delinquent for XXXX and XXXX. They have not updated our report since XX/XX/XXXX, which shows us 2 times past 30 days late. We made full on time payments in XXXX, XXXX and XXXX and the still have us listed as late. That caused our score to drop XXXX points. We are not late and that needs removed as with reporting the payments we made the last XXXX months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got an alert that a company called that debt recovery solutions located in New York has placed a collection account on my credit bureaus. This is in direct violation of regulation F. Ive never spoken to these people or received any written communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: KY
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 would like all hard credit inquiries removed from my credit report, they are making my credit score very low and I am not happy, I work very hard to have good credit scores and when looking to make my credit score Increase I needed more open accnts so that's exactly what I did, i have several credit cards and other loans all with 100 % payment and very good payment history my credit card utilization is very good as well, I have close to 30,000 dollars worth of credit and use maybe 5,000 of it all of witch I pay on, 4 times a month you need open credit and good payment history for a good score all is great except the hard credit inquiries, in my defense how was I supposed to increase my credit score unless I did exsaclty what XXXX XXXX said to do and open more accnts, now because of all the accnts I have in great standing the hard inquiries to get those accnts are destroying my credit report makes no sense, please remove all hard inquiries from my credit report so that my score will go to the XXXX to XXXX score I should be at ... .thank you very much sincerely, hard working great on time payment, works hard to have good credit and takes pride in good credit. XXXX XXXX XXXX ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noted 2 unauthorized withdrawals from my checking account posted on that same day and I immediately notified my bank that same XXXXThe first was a " XXXX XXXX XXXX debit of {$2000.00} '' and the second was a " ATM XXXX XXXX XXXX XXXX XXXX '' debit amounting to {$980.00}. Both items bore " Pending '' as part of the description. 
On XX/XX/XXXX my wife and I called the bank and were told the only available person in authority to meet with was a person at a food store location. Briefly we were informed that we should " freeze '' the account and set up a new account, transfer the account '' s remaining balance and all monies would be returned soon or at least in 10 days. 
My balances were always shown in the original amounts but could not be transfered when I tried. 
Mant exchanges between the bank and us, none truthful or factual until we finally were notified that all monies had been returned to our account and NSF fees were changged in amounts. However, when I tried again to transfer, the notification was that the funds could not be transfered. Such remains the case today! XX/XX/XXXX as we prepare to again personally tomorrow XXXX. 
The bank involved is Associated Bank with main offices in XXXX XXXX, Wisconsin. Their authority advised that my funds would be held pending their ability to recoup fradulently removed funds. 
Amounts currently held in the " frozen '' account include Social Security and Private Pension funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, a person had called me with the caller ID of Wells Fargo and had told me that in order to reverse other fraudulent transactions in my account, I must send {$630.00} to myself through XXXX. These people walked me through every step of the way and ensured me that this was the only way Wells Fargo could prevent these transactions from occurring. This money never returned to me and when I spoke to the representatives at the real Wells Fargo, they said they would investigate this and would be able to return my fund because I was wrongfully scammed. I just received a letter now that they have closed this claim and will not be returning any money. Its truly unfair that this situation has occurred and that I was mislead by those at Wells Fargo because they were unable to help out due to the fact that I was manipulated into authorizing this transaction. I have been loyal to this institution for over 10 years and during my time of need, they have let me down and left me on my own.

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 2019-02-05
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-01-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I tried multiple times with the company to discuss I did not receive a form by mail for need to renew annual renewal application for Income based repayment plans in 2017. Navient did not inform me that if I did not renew annual form I would be charged capital interest. Also, customer service told me " not to worry your loans will be forgiven in 20 years '' as an answer when I asked why I was not told initially. Furthermore, I was told " you can not do anything about it because it is the federal government who added the capital ''. I do not understand why I was talking to Navient if they state to have no control over interest. Clear communication is lacking with Navient and they did not disclose to me clearly the consequences and expected interest. I do not feel like I was given honest options just costly ones. And, I was not once told I needed to consolidate my student loans to qualify my payments for future forgiveness after a set number of payments. I read this online after I felt lied to and cheated by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was completed as of XX/XX/XXXX. However, on XX/XX/XXXX, a  decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then, that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. Moreover, they stated that they also sent in a XXXX XXXX and XXXX XXXX Flex Modification application for us. We did some research on XXXX XXXX and XXXX XXXX Flex Modification and these are two of the links that we researched for information about it : XXXX XXXX XXXX XXXX XXXX XXXX   Therefore, we have the understanding that we may be able to get the help we need from this modification, so that we wont go into foreclosure. 
Ocwen kept the appeal from XX/XX/XXXX until XX/XX/XXXX to send us another denial letter, which we received yesterday XX/XX/XXXX. In fact, this is the fourth time they denied us for a modification in one year. For example, XXXX applied for us and it was denied, Florida Hardest Hit applied for us and it was denied an this is XXXX and XXXX XXXX second time and it too was denied. 
As seniors, with a meager total combined income from Social Security of {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1700.00} or even more each month for mortgage payments, keep up with other bills and to survive? At this time, we are not willing to accept any of the options Ocwen is offering such as : short sale or deed-in-lieu because we want to remain in our home which took my husband ten years to build up with his own hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: CORELOGIC INC
State: LA
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:
XXXX XXXX2018 XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through XXXX XXXX XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.

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 2018-06-05
Company: Complete Credit Solutions, Inc.
State: NC
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:
Complete Credit Solutions account # XXXX original creditor XXXX claims account opened XX/XX/XXXX this account was not opened by me. I have requested validation of the account & have not received any information from debit company or XXXX   ans they are stating the account is is mine. This account just appeared on my credit report all of a sudden it has not been on my report recently & I have several reports to prove it was never reported. This is not my account & needs to be removed from all 3 credit bureaus. 

XXXX XXXX XXXX paid settlement on account and company does not do day to delete. I gave information to credit bureau and only 1 removed information thus far. I need all 3 credit  bureaus to delete the XXXX XXXXXXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX opened XX/XX/XXXX this account is settled. I have a letter from them to provide if needed that states account was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXXXX/XX/XXXX we inquired online for a mortgage loan. We asked for only 1 lender contact us... XXXX XXXX We spoke with them and started the process. On Sunday we received phone call from XXXX telling us that we had asked for XXXX XXXX XXXX & they owned that site. The banker I spoke with was very enthusiastic & offered a low rate. It was only when I asked about high closing costs that I was told it included buying points down. I told them I was not interested in that & rates went up. We asked how to receive a Pre-Approval Letter as we were just starting to search online for a home 5 hrs north to be back closer to family. The banker walked us thru the process & before we knew it we had signed papers & paid application fee of {$500.00}. We had till Thursday to send in documentation to proceed. On Monday we decided not to proceed & called their Customer Service Dept to cancel. The rep. led me to believe it would not be a problem. The next call I received was from the banker telling me we needed to proceed & that getting the Application Fee back was not possible. We declined & told him we would contact CFPB. He told me in a very smug tone to go ahead & do what I needed to do. 
Since then we have rec 'd emails & phone calls to proceed with loan. We declined. Next?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
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:
XX/XX/XXXX XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through XXXX XXXX XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: ALLY FINANCIAL INC.
State: LA
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:
XXXX XXXX,2018 XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through ALLY FINANCIAL XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.

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