BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-05
Company: CITIBANK, N.A.
State: ME
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2019 Citibank XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX RE : Demand notice Savings -XXXX closure and bonus To Whom It May Concern : On XX/XX/2019 I opened Citibank checking and savings accounts in response to an advertised {$500.00} bonus. 

On XX/XX/2019, I was informed that Citibank would be closing both accounts on XX/XX/2019. Only the checking account was closed on or about XX/XX/2019 On XX/XX/2019, I was informed that my deposit accounts will be closed in approximately 30 days if I did nothing. 

On XX/XX/2019, I attempted to close my savings account via phone and chat. I was specifically told that Your account will be closed in 1-2 business days, not including holidays or weekends. The savings account remained open. 

On XX/XX/2019, a $ XXXX monthly fee was charged to my account. 

On XX/XX/2019, I again asked for this account be closed. The chat representative was unable to waive the fee and thus, could not close the account. 

It appears that Citibank is charging customers for its own incompetence. 

Now, I respectfully demand that 1. The savings account be closed with a zero balance and 2. Citibank pay the advertised {$500.00} bonus. 

Else this matter will proceed to arbitration with all costs borne by Citibank. 


Sincerely, 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 monetary relief
Consumer complaint received 2019-07-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I received a preapproval letter from Wells Fargo for $ XXXX. We entered into a contract to buy a property on XX/XX/XXXX with a closing date of XX/XX/XXXX. On XX/XX/XXXX we received a GFE   for the loan from Wells Fargo. We were verbally told that closing would proceed pending final approval. However the loan was not approved. Despite not approving the loan Wells Fargo proceeded to conduct an appraisal and charged my credit card {$480.00}. The Appraisal was conducted on XX/XX/XXXX after they had told me the loan was not approved. 

I was not aware the appraisal was conducted until seeing my credit card statement and receiving the appraisal in the mail. I contacted XXXX XXXX, my mortgage banker at Wells Fargo who stated " it was my understanding that the appraisal was canceled and that you should receive a refund on your fee '' however nothing was done. I then disputed the charge with XXXX XXXX, and Wells Fargo successfully fought the disputed charge which was then reinstated on my account on XX/XX/XXXX. In subsequent conversations and emails with XXXX XXXX, he recalls the situation and has encouraged me to complain to Wells Fargo management.

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 2018-01-26
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I started graduate school in XXXX. The program I enrolled in was " low-residency '' and summer only. It's XXXX XXXX XXXX XXXX XXXX of XXXX. The program ONLY meets in the summer. It takes 5 summers to complete the program. The problem is that NAVIENT considers these students as " unenrolling '' from a program because we couldn't take classes year-round. So, they make your student loans fall into repayment even though you have 3, 2, 1 years left of school! So, they collect interest on all of that time even though you CAN NOT take classes and have no option but to wait until the next summer. 

Additionally, Navient misallocated several of my payments. I specifically indicated which loans the payments should be applied to and they did whatever they wanted, which sent some of my loans in to " non-payment '' and disrupted my credit score, causing a delay on the purchase of my home. 

They were ridiculous to work with. I paid off my loans since then, but from XXXX, I dealt with all of this. I still don't know how much money they swindled me out of in interest while I was STILL IN SCHOOL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: Rocket Mortgage, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Quicken loans pulled my credit on XXXX XXXX XXXX. I recently viewed my credit report and saw a hard inquiry from them. I called and gave them my ssn, name, email. They said I had applied for a mortgage loan that I never did. In order to apply they said I would of had to make a username and password in which I do n't. They could n't tell me my username or password either which is how I know I never applied. Would just like this hard inquiry off my report. 
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: NJ
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:
I have several accounts that reporting on my credit thats not mines and old information over 7 years that's no mines as well. I really need help I received a letter from XXXX account XXXX stating they will delete the account if I pay 50 %. I said no because its not my account. I believe the system is designed to hold you back and make money from the consumer. Accounts not mines reporting on my account. 
XXXX XXXX acct XXXX XXXX card XXXX year XXXX XXXX XXXX positive XXXX, negative on XXXX year XXXX XXXX XXXX not mines and it has XXXX XXXX. year XXXX XXXX   XXXX XXXX XXXX closed XXXX XXXX XXXX XX/XX/XXXX XXXX not mines XXXX the XXXX XXXX XXXX not mines don't know where it came from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised inwhich resulted in unknown and unauthorized accounts reporting on my credit file inwhich I have no knowledge of, therefore I'm demanding that these accounts be blocked and removed immediately from my credit file, if not then the 3 major reporting agencies shall show just cause via a Method of Verification and if this can not be honored then the following accounts shall be removed. 

1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX {$580.00} 4 ) XXXX XXXX XXXX {$540.00} 5 ) XXXX XXXX XXXX {$530.00} 6 ) XXXX XXXX XXXX {$270.00}

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 2018-01-26
Company: EQUIFAX, INC.
State: MI
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 have been in contact with Equifax several times over the past few years. I have two significant concerns with their integrity at this point.

1 ) I have never lived at an address or used a bank to pull a hard credit file in Indiana. I was born and have lived in Michigan my whole life. 
See Examples : Under address : XXXX, IN XXXX Under hard inquires :XX/XX/2016 XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX ) In 2016 an erroneous medical bill was put into collections under my name. I fought it with the local doctor and they called and had it removed from Original Creditor Name XXXX XXXX XXXX XXXX XXXX. I then had to call and advise XXXX XXXX XXXX XXXX XXXX  if they did not REMOVE the claim in full ( I never owed a dollar ) not just show it paid that I was going to take legal action as it was haunting me under my credit report. Somewhere the total got reduced from {$57.00} to {$3.00} and closed. I went through several months of Equifax saying that XXXX XXXX XXXX had to remove it ( not just the {$3.00} but the whole claim as it was not correct ) and XXXX XXXX saying that they had sent everything in and that EQUIFAX was delinquent in updating the information. I have begged, pleaded and threatened Legal action. These responses have all been sent numerous times over the past 6 years to get all three of the inaccuracies off of my credit report. I get no response. The other two reporting agencies do not have either of them on them.

I am asking that you please help me. This is having a significant effect on my credit and is causing me to pay extra for insurances, mortgages and etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: Utah System of Higher Education
State: UT
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 was a XXXX XXXX student from XX/XX/XXXX to XX/XX/XXXX and received all of my loans from the XXXX XXXX XXXX XXXX XXXX ( XXXX ). After graduation, I began to make payments to XXXX believing they were qualifying towards the public service loan forgiveness program ( PSLF ). I made such payments for three or four years before learning that the payments could not and would not be counted towards PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
As Chase premium account member, there is {$0.00} fee for incoming international wire transfer. However I was charged me {$25.00} for a incoming international wire transfer dated XX/XX/2018. I had been given different explanation about the charge when contacting with Chase customer service representatives. One explanation is it was charged by sender 's bank. Second was it was charged by intermediary bank.  Third was it was charged by Chase following remitting bank 's instruction. I told them sender 's bank already charged their fee of AU {$12.00} and it was debit from balance of the account it was printed out in the transaction report. If there was intermediary bank,  please provide information of the bank name and transaction reference id which they refuse to provide the information. For the third explanation, it's ridiculous because senders bank would not benefit from the charge so why they would instruct Chase to take my money and why Chase has obligation to follow such instruction. Chase has no right to take my money without my acknowledge and agreement. I have records of all the responses from Chase customer representatives. I think it is ripoff for Chase to charge undisclosed fee. I want a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-13
Company: EQUIFAX, INC.
State: KY
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 XXXX, XXXX  and Equifax and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XX/XX/XXXX. It still continues to report to all 3 credit bureaus. The date opened for this account was back in XX/XX/XXXX. This is a major violation that needs to be removed from my reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: DISCOVER BANK
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:
on XX/XX/2018 Discover Bank checked into my credit report and they did no help but just hurt my credit and i have dont recognize them. thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Bread Financial Holdings, Inc.
State: GA
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:
To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my XXXX credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by XXXX and XXXX XXXX. XXXX has repeatedly refused to block items by XXXX XXXX   on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX   has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: NC
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:
I have sent multiple disputes informing Equifax of the inaccurate information that is being reported on my credit. They have knowingly violated my rights by not following the proper procedures and continue to report the inaccurate information. All communication to them is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding my loan with Lakeview Loan Servicing, who manages my mortgage and escrow. 

After trying to resolve my issue by phone several times, I provided documentation to Lakeview on XX/XX/2019 including my receipt for taxes paid last year to XXXX County, and this year 's tax assessment from XXXX County for our projected taxes for this year. We live in XXXX County inside city limits for XXXX XXXX, Texas. The confusion is because " City of XXXX XXXX '' is listed on both the XXXX County tax assessment and the XXXX County receipt for the taxes we paid last. The reason for this is because the city uses XXXX County to collect their taxes. Therefore, XXXX County does not collect any XXXX XXXX city taxes, even though they show a line for City of XXXX XXXX at approximately {$2000.00}. As I have explained to Lakeview multiple times, they are counting this approx. {$2000.00} twice when they estimate our Escrow. Several of Lakeview 's personnel including management have agreed with me on the phone, but then explain that it will have to be escalated with their tax department. They usually tell me to wait 2 to 3 business days to hear back on a resolution, but then they don't call me back. They have been promising this for over a month now. Still no resolution. When I call back, I have to start all over with the person on the line and explain it again as they try to interpret the ever-growing amount of notes on their screen. 

Please refer to tax appraisal Lakeview has on file. The total amount shown on the XXXX County assessment is {$8100.00}, which includes a line for {$1800.00} for the city of XXXX XXXX. However, that {$1800.00} is not to be collected by XXXX County,  but XXXX County instead since the city uses them to collect this ( the majority of the city of XXXX XXXX lies in XXXX County, except for a sliver in the neighboring counties ). {$8100.00} is our total estimated property taxes for this year, except for {$510.00} for public improvements as shown on the XXXX County receipt I have provided Lakeview. Again, they will see that there is a city of XXXX XXXX amount collected by XXXX County, but they should not count this twice.

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 2019-02-17
Company: Nelnet, Inc.
State: SC
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:
Several XXXX serviced accounts went delinquent XX/XX/XXXX and stayed delinquent until XX/XX/XXXX. 

As of XX/XX/XXXX these should no longer have been reported as delinquent due to the statute of limitations. 

I disputed this information several times with the CRA and XXXX then changed the information to make it appear more recent. 

This is classic case of an unfair and deceptive trade practice. I have applied for a loan and if my interest rate is directly affected due to this false information, I will sustain an financial injury to which I will be owed damages. 

This must be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First started XX/XX/XXXX and still being requested XX/XX/XXXX. Amount is {$530.00}. I disputed it multiple times on my credit report and wrote a letter as well as called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2018-01-26
Company: Consumer Shield
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The credit counseling company is called Consumer Shield of XXXX Florida XXXX. I signed a contract with them XX/XX/XXXX through a company called XXXX XXXX XXXX. But their so call lawyers, that's what I was told will not respond to me, anyway XXXX XXXX left the company shortly after he talked me into adding {$3000.00} to my already existing account of {$9000.00} and this money was to go in an escrow account until they got paid then they would take care of my creditors of which I have several, they only communicated with one that I know of and that was XXXX. I got a summons from one of my creditors and consumer shield sent a letter deputing the charges, but a date was set for XX/XX/XXXX anyway and I had to face the creditor without any representation .I called over 45 times from the date i got the letter until I went to court.I pleaded for any kind of help I could get but got no response I also sent numerous emails asking for advice but again I got no response.They finely answered the phone XX/XX/XXXX and I asked to speak to one of the lawyers, I was given the run around and was told someone would reach out to me well this is XX/XX/XXXX XXXX and I have yet to here from them they are nothing but scammers and I wish I could get my money back because they have not done what they said they would do, I had to file Bankruptcy for fear of loosing my house. I thought they were an honest company because they were so nice.

Company response to consumer: Untimely response