BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2018, applied for and was accepted for the Citibank checking and saving bonus of {$400.00} for depositing and maintaining a {$15000.00} balance in one or both of the checking and savings accounts for 60 days. I opened the accounts online and on XX/XX/2018 I went to my nearest branch to deposit the {$15000.00} and fill out the required forms. The teller asked me which account I wanted the money in. I said the one with the higher interest rate. She therefore put the deposit into the savings account. I made a few calls to Citibank on XX/XX/XXXX and eventually spoke with XXXX who confirmed that I was eligible for the bonus after fulfilling requirements. I also received an email confirming this as well. The {$15000.00} has remained in the savings account untouched for 90 days, however the {$400.00} bonus has not posted. I noticed that Citibank closed the checking account without warning despite having the required {$15000.00} in the linked savings account. I have called Citibank today XX/XX/2018 and was on hold for 30 minutes. I called again and got frustrated by not knowing which of their prompts to use to get through to someone to to talk to about this. It is always hard to get to someone who can help and takes up a lot of 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 monetary relief
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2018, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/2018, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/2018 to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

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 2023-06-07
Company: EQUIFAX, INC.
State: IL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
After years of reviewing credit reports from the big three on a rotating basis from the web, Equifax now demands that I print and mail a form, and attach copies of other documents. This has happened after Equifax failed to secure our data, and now appears to wish to make the process more cumbersome for consumers in order to reduce the number of people following the process to actually see if they have been compromised. I 've been at the same house and same job for 25 years so it is not feasible that they need additional information from their paper forms. SImply, it appears that they have, for their own purposes, defeated the concept of Annual Free Credit Report to Nuisance Copy/Print/US Mail Credit report in a month or two or three.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Client Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CLIENT SERVICES. Repeated calls daily ( sometimes up to 3 times a day ) since XX/XX/XXXX. They consistently are calling from a different phone number. 

I have attempted to block their phone number to make the calls stop ; Ive blocked at least 10 phone numbers but they use a new one every time they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
With the COVID-19 Virus going around, Freedom mortgage basically does not offer extensions at all. They will allow you to " not '' pay for upto 3 months but you have 6 months to pay the whole balance not to mention if they approve you they still label you deliquent, and report to credit .... 

So here is what they want.. 

if you want to take a extension / forberance, they want the following information. 

All you monthly expenses, tax information, just to start. Instead of just helping their customers making this time easier they make us jump through hoops. They do not have these forms fillable or able to submit it with a agent on the phone Major banks can do extensions over the phone with just a verbal agreement for situations like this, but freedom mortgage doesn't care they do not offer easy solutions, they want to frustrate there customers and threaten there houses and credit when there household income has been hurt with stay at home laws during the COVID-19 virus. 

I have never had an issue with my mortgage payment since i got the house originally. the next time i can refinance i will be looking to leave them due to the poor customer service.

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 2020-07-08
Company: Experian Information Solutions Inc.
State: CO
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:
Experian should not be reporting a collection/chargeoff in the amount of {$12000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Utility Bill for identification purposes. ) I had gone to XXXX for a long period of time and when returning home to the United States I tried to use my credit cards. Every single time the card was declined. I realized at that moment I was a victim of identity theft. I obtained a copy of my credit report and discovered these accounts were being reported as collections/chargeoffs on my credit report. These accounts do not belong to me. I never opened these accounts nor did I ever authorize anyone to open these accounts. I immediately filed a police report, a copy of which I have attached for reference. XXXX Police Department Summary Incident Report - REPORT NUMBER : XXXX dated XX/XX/XXXX These accounts need to immediately be removed from my credit report. This false reporting of collections/chargeoffs that do not belong to me is seriously harming my credit score. I have contacted the bureaus as well as the bank to fix this however, I have not been successful.

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 2020-07-08
Company: Navient Solutions, LLC.
State: CA
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:
Navient provided an incoherent response. Navient did not respond to any of the issues raised and only admitted to not properly handling the servicing requirements provided by the Department of Education. Navient also admits it fails to follow Federal law with proper payment allocation. 

Navient is failing to take the correct accounting of the payments. Navient stole the payments made for the next month and misapplied them to what they term as " Unpaid Interest, then to Unpaid Principal. '' THIS IS INCORRECT as all interest payments and principal are current. 

The total due for XXXX is {$280.00} the total paid was {$500.00}. 
The total due for XXXX should have been {$100.00} the total paid was {$320.00}. 
Therefore, total due for XXXX should be {$100.00} AND WITH NO UNPAID INTEREST AND UNPAID PRINCIPAL AS EVERYTHING HAS BEEN AND WILL ALWAYS BE CURRENT. 

Proper allocation of payment to account and thus an amount due for XXXX for {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home loan through Wells Fargo on XXXX and given a pre-approval based on my credit report and income to begin my home search. I found a house, put in a contract and began uploading documents through their portal as requested immediately. Many occassions the portal would say I needed to submit documents that I had already submitted yet I kept re-submitting. I was told there was glitch in the system. RARELY did I speak to anyone and when I needed to it was like pulling teeth to get a response. I paid {$610.00} for an appraisal on XXXX. The day I was supposed to get my disclosures WF started giving me more run around that my account was still with underwriting and that closing might be delayed. TWO DAYS before closing on XX/XX/21 I was sent an email stating WF would not be able to give me a loan due to " multiple late payments that required manual underwriting '' and they didn't provide that service. Knowing that was not the case I reached out to another lender - he told me WF totally dropped the ball and due to the type of loan I was trying to obtain, just needed to change the terms of my loan and add more money down. This was NEVER communicated to me let alone very poor communication throughout the entire 2 month process to begin with. I requested an appraisal release letter on XX/XX/21 to be sent to me by COB XX/XX/21. I still have yet to receive the appraisal release allowing my new lender to use the appraisal that I paid for. My new lender has emailed them stating this was urgent as well. I have been given the run around for 4 days now that " it has been escalated '' or it has been sent up the chain of command '' yet no one will actual take care of this very small and very little time consuming issues. I am more than frustrated with the lack of communication that WF gave to me, the client - a client who has automobiles, bank acct and other homes financed through them. I thought this would be a very easy process, but boy was I wrong. I am more than disappointed and frustrated. They have wasted my time and have cost me several thousands of dollars with flights, hotels, car rentals as well as the appraisal fee for a closing that never happened because they didn't want to communicate necessary changes to my loan terms.

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 2020-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America XXXX # XXXX Charges In Dispute : - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY DEBIT CARD XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY XXXX CARD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - My Bank of America account was compromised and two very large transactions were charged to my account without my knowledge or consent. 

I reported the charges as fraudulent the next business day to a banker at my local branch, they asked me a bunch of questions and then she went to the back but they never filed a claim in branch. 

I tried to get someone who is tech-savvy to help me file the claim online ; it was extremely difficulty to use and the touchscreen wasn't working well, somehow " items never received '' was selected instead of " I did not make these charges ''. 

As a result Bank of America denied my claim. I never made these charges, I never spoke to anyone to approve these charges, this is proof that Bank of America is an accessory to fraud. By allowing people to fraudulently charge the customers account and refusing to reimburse the customer, this is illegal at the federal level. 

They advertise " zero liability '' to get people 's money and they leave them in situations like this. False Advertising at its worst.

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 2021-11-29
Company: EQUIFAX, INC.
State: PA
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:
Hi could you check my records? I have been sendng you letters about so many inaccuracies on my credit but nothing seems to be moving nor I get any response from you telling me that you are conducting an investigation. The last one was sent on XX/XX/2021. I know people who sent dispute letters to you, and they tell me I am supposed to get a response, but you don't seem to be responding. Please do check my files and investigate all those inaccuracies that should be on my report in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, 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 filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX  I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXXthru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
GC Services has violated FDCPA 809 ( A ) giving me notification of a debt on credit report I talked to XXXX from XXXX TX on XX/XX/2019 at XXXX where the collection agency is reported on my credit report but had to transfer me to XXXX where I talked to XXXX XXXX They verified 2 wrong addresses on my account. 
They never called, emailed, or sent any notifications to my address informing of any collection. I also have no contract with GC Services Under the Protection of consumer financial services chapter 392.202 ( C ) The third party debt collector admits the information is inaccurate and shall immediately cease collection efforts related to the portion of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2020 XXXX XXXX reported to Equifax bureau a hard inquietud under my name that I did not authorized.I contacted both Equifax and XXXX XXXX to clarity this issue and to creat and aleart on the Equifax bureau. They assured me everything was going to be clarify and required from me to contacted XXXX XXXX to let them know I was victim of identity theft. They were supposed to send al letter to equifax explaining that I never applied for XXXX XXXX credit Card inquiry and to request removzing this inquiry from my credit report. Up to date nothing is being done and this hard inquiry remains on My Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TD BANK US HOLDING COMPANY
State: FL
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:
I hereby submit a formal complaint against TD Bank, a financial institution operating within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ), for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. 

On the date of XX/XX/2023, I diligently transmitted a dispute directly to TD Bank via facsimile ( FAX ), and I possess irrefutable evidence, in the form of a confirmation receipt, affirming their receipt of said dispute. To my profound dismay, despite the unequivocal proof of receipt, TD Bank has, in contravention of its statutory obligations, disregarded my dispute, manifesting a complete absence of action in response thereto. 

It is my firmly held conviction that TD Bank 's wilful refusal to investigate my dispute and expunge the inaccuracies persisting on my credit history transgresses the tenets of the FCRA. The FCRA mandates that financial institutions undertake good-faith investigations into consumer disputes and take necessary actions to ensure the veracity and precision of consumer credit reporting. 

The deleterious ramifications arising from the presence of these erroneous marks on my credit report are not inconsequential, as they have culminated in an adverse impact on my creditworthiness and financial standing. TD Bank 's flagrant negligence in addressing this matter constitutes a pernicious breach of my statutory entitlements as a consumer. 

Furthermore, through a series of telephonic engagements with representatives of TD Bank, I have elicited repeated acknowledgments from the aforementioned personnel conceding TD Bank 's culpability in the reporting errors. Regrettably, these verbal admissions have been met with obstinate inaction, and the inaccuracies persist unremedied. 

In light of the gravity of this matter, I respectfully beseech the Consumer Financial Protection Bureau to promptly intercede. I implore your esteemed office to undertake a comprehensive investigation into the systemic violations perpetrated by TD Bank and to vigorously enforce the full panoply of remedies and sanctions available under the FCRA. 

Your invaluable assistance in effectuating a judicious resolution to this peremptory matter would be an exemplar of the CFPB 's unwavering commitment to safeguarding consumer rights. I earnestly request that I be apprised of the investigative proceedings and ensuing measures employed to address this exigency. 

Thank you for your expeditious attention to this momentous issue. I anticipate, with sanguinity, the consummation of an equitable and expeditious resolution to redress the iniquities perpetrated upon me. 

And yes, I am an attorney : )

Company response to consumer: Closed with explanation