BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I am interested in citi prestige credit card and went to citi XXXX branch in LA last Saturday XX/XX/XXXX. 

I was waiting in the lobby for about 20 mins then a lady named XXXX showed up to help me. XXXX tried to get rid of me the moment that I mentioned I want to apply for prestige credit card. She does n't know this particular credit card very well and also try to persuade me to apply for another cards. She keeps selling other credit cards to me and meanwhile she said if I want to have prestige card then the annual fee is {$450.00}. I asked if she could let me open a priority account to reduce the annual fee to {$350.00} ( which everyone else is doing ). She did n't want to help me at all at that point and said I should JUST GO HOME AND APPLY ONLINE because " if you apply online, the annual fee is {$350.00} '' - which is a totally lie! I know that If I apply online the annual fee is still {$450.00}! 

After I told her this is not true, she went to ask her manager. Then she told me that I have to have a cashier check with {$50000.00} to open a checking account. I am highly doubt this is the truth. They are just trying to get rid of me. The general fee for the checking account is $ 30 monthly and hold {$50000.00} in the account will waive the monthly fee. That 's it. It 's not a criteria at all to have {$50000.00} to apply for the checking account!!!
Her manager even told me that they are afraid I 'll close the checking account after I got the discount for credit card so that they are not willing to open the checking account for me. They want to see the cashier check first to prove " I am serious about it ''. I told them that I would go home and ACH the {$50000.00} to the priority account from other bank. But they just do n't trust me at all and treat me like a liar or trick me like a fool. 

XXXX and her manager can not just trick customers like this! They are so unprofessional. I drove more than two hours to the XXXX branch because there is no citi branch in my town. XXXX and her manager has wasted another 40 mins with their bad and inpatient attitude!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IN XXXX I sent a letter requesting verification of a debt/collection account reported on my credit report. 

The company responded that the original creditor could not provide the written document I requested and the item would be removed from my credit report. 

I then received a photocopy of a " final bill '' from the debt collection agency showing an incorrect address where service was provided and none of the information I 'd originally requested from the debtor which was a signed original service contract and a payment history. 

Again, I am requesting this account be removed from all XXXX of my credit reports as the information they have attempted to provide is not the items I originally requested and the photocopies they provided are from an address I 've never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an inquiry from XXXX for the dates of XX/XX/2021 and XX/XX/2021. I received a letter in the mail from Equifax saying that they deleted the XX/XX/2021 inquiry. However, I just ran the credit report on XX/XX/2021. Not only is the old inquiry still there, somehow a new one has popped up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currently unable to make contact with my mortgage company in any way over the phone or online. I am currently behind on my mortgage and I have a plan to get current by XX/XX/XXXX, however I do not have the ability to tell my mortgage company this to stop the automated collection calls. When I answer a collections call, I am given an automated message to call their customer service number. When I call this number, the automated telephone system starts playing a message in XXXX that lasts several minutes, and I am unable to opt out to speak to a representative in any way. At the end of this message a customer service agent picked up the phone and immediately hung up the line during an opening statement. It takes me over 7 minutes just to get to that point due to the automated XXXX messaging I had to listen to. There is no option for me to make a payment in the automated system. Additionally, my online account became locked out and when I go through the password reset process, the site times out before the point which you reset the password. I tried this on multiple devices using the recommended browsers according to the website. So I can not access my account online or speak to anyone on the phone for an account that would normally be in foreclosure risk if not for moratorium protections right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022 I submitted a dispute letter to both Transunion and XXXX. As of this date. XX/XX/2022 I have yet to receive a response. I have attempted to call both of these agencies but was told that the results of my request were mailed. Still nothing.

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 2017-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently trying to get a mortgage and am legally XXXX on limited XXXX income. I monitor my credit reports as often as I can and recently I have been locked out of XXXX XXXXXXXX XXXX because they claim I am enrolled in some sort of credit monitoring services and until I pay what they claim is due, I can not access my credit or scores. In fact, XXXX has been helpful in giving me a good idea about what is being reported at Experian for a long time but now suddenly, they are not able to access any information on me either. I am attaching the message I get when I try and do so. 
Also, I was denied credit this week because they could not find any credit on me with Experian which is impossible. 
I have attempted to call them on the phone and have been on hold for 45 min or more and then disconnected.
I am unable to dispute or verify any information with Experian at all and they are causing me extreme financial hardship because unless I resolve this with Experian immediately, a house I am trying to buy will not be available and I have to move within a month. 
PLEASE help me!! Why and how can they do this to me?

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 2021-05-17
Company: Experian Information Solutions Inc.
State: AZ
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:
Creditor has not removed late payments as agreed through goodwill letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PLEASE REFER TO COMPLAINT # XXXX ABOUT US : Were the Consumer Financial Protection Bureau XXXX CFPB ), a U.S. government agency that MAKES SURE BANKS, LENDERS, AND OTHER FINANCIAL COMPANIES TREAT YOU FAIRLY ..... 

This is the response from Mr. Cooper dated XX/XX/XXXX : Dear XXXX XXXX : Thank you for reaching out to us on XX/XX/XXXX. We appreciate the opportunity to make things right. We have forwarded you concerns to our tax vendor regarding your property taxes being waived in South Carolina. Once we have received all information you will receive a response under separate cover. We apologize for any inconvenience this may have caused and appreciate your patience. Expect to hear from us by XX/XX/XXXX. 

" ... .concerns to your tax vendor regarding your property taxes being waived in South Carolina XXXX. ''??? 

THIS IS NOT THE ISSUE!!! THIS ISSUE WAS RESOLVED TWO YEARS AGO!!! 

THIS IS TYPICAL OF MR. COOPER 'S LIES, STALL TACTICS, " SMOKE SCREEN '', AVERTING THE ISSUE AT HAND AND CAUSING MENTAL ANGUISH. 

SOMEBODY NEEDS TO STOP THESE PEOPLE!!! They are lying, cheating, causing me to have XXXX and having had to be hospitalized in " Psych '' twice because of " suicidal ideations '' Nationstar Bank has " engaged in unfair and deceptive acts and practices in violation of the Consumer Financial Protection Act of 2010. '' They have already been " proven guilty of this and had to " pay out '' 91M. How is that they continue to engage in these unfair and deceptive acts ( lies ) and causing harmful mental anguish leading to suicidal ideations? 

How is it then that they are getting away with what they have already been proven to be doing of lying and causing harm and breaking the law? 

Why is it that the CFPB that " makes sure banks, lenders, and other financial companies treat you fairly '' is NOT doing something about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: LoanCare, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan are still hasn't received my money. Everytime that they call and leave a callback number, the phone number sends me to the phone tree, which hands up on me since my loan is no longer with XXXX. I have no way of speaking to someone, it just keeps hanging up on me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
I submitted an on-line payment. The next day it was returned and I realized I had forgotten to record a payment to another creditor. I contacted American Express and asked them not to resubmit the ACH. I was assured that the notation had been made. Two days later, they submitted the ACH again. I called again and was told that my bank would have to cancel further ACH request. My bank told me this was not possible as American Express generated the payment. I called American Express again and was informed that there was no way to stop the ACH automatic resubmissions. In this day and age, I do not believe that they can not stop automatic payments. I incurred {$100.00} in overdraft fees. I agree with the first fee as I did make the error ( however my bank was kind enough to refund that fee ). American Express should have been able to cease the resubmissions. My payment was not due for another two weeks so I wanted to wait before submitting a new payment. American Express has also charged me a {$29.00} return payment fee. Since they just tried to resubmit again, I am certain they will charge me another fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have tried to resolve this issue with the CRA. I understand all CRA do not report the same way but if a company is reporting the appropriate information to ALL CRAs, there should be no reason that all my reports do not match. After a previous complaint with XXXX XXXX XXXX, they took appropriate action in noting they made an error. XXXX furnished me with a letter assuring that this account would no longer reflect on any of my credit reports. Ive given more than enough time for all CRA to comply with this verification letter from the lender company. However, even with this letter expressing I am no longer liable for this account and it will be removed, EQUIFAX still does not comply. XXXX AND XXXX COMPLIED IMMEDIATE AFTER THIS ACCOUNT VERIFICATION NOTICE FROM THE LENDER. Under FCRA 611 ( a ) ( 6 ) ( B ) Equifax should be held just as accountable as the lender. I am enclosing the same letter mailed to me stating this account is no longer liable to me and it shall be removed. I AM ASKING YET AGAIN FOR EQUIFAX TO COMPLY WITH THE LENDER AND REMOVE SUCH ACCOUNT FROM MY REPORT AS IT WAS STATED IN THIS LEGAL BINDING DOCUMENT MAILED TO ME FROM THE XXXX XXXX. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
A USPS certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from a company called XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested  records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. 

Instead, on XX/XX/2019, the company sent me their investigation results to my dispute stated the information was investigated and that the debt was " verified '' as accurate ( with no paperwork ). TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of all of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2020-05-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I spoke to an associate named XXXX and I requested a reduction in the APR on my Chase credit card. He advised that this is the lowest rate available. I find this hard to accept being that my FICO score is XXXX and I have never been late with any of my bills. I live in the state of XXXX XXXX and we are the epicenter of the COVID-19 outbreak. Chase should provide a lower APR in my case since I have several accounts Chase. This is not how you build shareholder value with clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint involves Wells Fargo Bank. In 2013, I received an auto loan through Wells Fargo Bank for the amount of {$6000.00} to purchase a XXXX XXXX pick up truck. The loan was co-signed by XXXX XXXX. XXXX filed for bankruptcy a few months after the loan had been established. I continued to make the monthly payment to Wells Fargo Dealer Services for several months. The truck was involved in an accident when my wife rear ended another vehicle. The XXXX XXXX was deemed salvaged. My insurance company at the time, XXXX, obtained a payoff amount from W.F. Bank. They issued the check and mailed it to the designated post office box. I called several times inquiring on the status of the payoff and was told by numerous Wells Fargo employees that it can take several months for the payoff check to be processed. I ran my credit and noticed that Wells Fargo had reported that I was late on my auto loan payment. I immediately called and was told they never received the loan payoff check. I contacted XXXX XXXX and was provided proof that the check had been issued and mailed to Wells Fargo. I got on a three way call with Wells Fargo auto loan customer service and my XXXX XXXX claim 's representative who confirmed to Wells Fargo that the check had been issued months ago. XXXX obtained a physical address from Wells Fargo which they could send a new payoff check to along with tracking information. Wells Fargo received the check within the week. They are now reporting to my credit that the charge off amount is {$1.00}. I have been to several branch locations and spoken to several " managers '' who assured me the error would be removed from my credit. I recently applied for a Wells Fargo credit card and was denied due to having a late payments to W.F. in the past. Meaning they are still reporting this erroneous account on my credit. I have never been late on any payment and I have no idea why Wells Fargo refuses to remove this from my credit even though they assured me ( I 'm sure just to get rid of me ) it would be take care of. I would really appreciate any assistance you could provide me. I have tried to work with Wells Fargo but am at my wits end. 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 non-monetary relief
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: GA
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:
This is my second complaint, since the first was closed due to the company responding. The representative at XXXX XXXX XXXX miscommunicatrd with me the outcome of the investigation of my missing loan payments. XXXX XXXX from the regulatory compliance department informed me that she would be sending me back all my documents that was submitted for payment to XXXX XXXX XXXX for my paid in full loan payment, stating that I do not have a loan with XXXX XXXX XXXX and I should be sending the payment to Navient, the servicer. I was expecting to receive all my documents when XXXX XXXX sent these documents back via ups. Immediately upon review on XXXX, I called XXXX XXXX informing her that documents are missing and i demand a call back immediately. 

It 's been 4 days and I have not called back again because XXXX called me back to back when she thought this investigation was coming to an end and she was helping me but now there is a problem again, I have n't received a return call. The value of this instrument is XXXX and I want to be credited for this payment immediately, I have followed all administrative procedures in contacting them and informing them of my intention to sue if I do not receive proper credit for this loan. 

Now she told me I do n't have a loan with them, although NAVIEent uses XXXX XXXX XXXX for payment processing, but yet they never sent my original payment back, that i not only walked intp a local branch to submit, but had to pay a {$50.00} processing fee for it to be sent to the processing department because im not a XXXX XXXX XXXX customer.. My next step will be to sue with the bankers at my local branch being named as defendants along with XXXX and cfo XXXX. I refuse to believe this document has been lost. It was accepted on XXXX XXXX and received my processing on XXXX XXXX. I still have not received any acknowledgement that my account has been paid In full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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 information incorrect

Complaint:
Three accounts are showing the incorrect status & account balance after contacting the credit bureau. 

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