BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/ I opened a Citibank checking+savings accounts thanks to the promotion Citi was running at that time. Specifically, {$700.00} bonus for opening an Account Package andmaintaining $ XXXX balance for 60days. I'm attaching the terms of the offer I enrolled in below. Shortly after I met all the requirements of this offer andwas waiting forthe {$700.00} bonus to post, Citibank closed my accounts without any explanation, citing only " business reasons ''. I was very confusedbecause except for the initial deposit of {$50000.00} there was no activity on my accounts at all. My multiple attempts to resolve the issue with Citibank customer service were unsuccessful.I understand that Citibank can refuse to do business with anyone, but in my case the bank obviously benefited from holding my deposit of $ XXXX without paying interest and then refusing to pay the promotional bonus as was advertised. I believeclosing accounts right after all the requirements of an offer are met and refusing to pay is an unfair and deceptive practice.

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 2023-01-10
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our house in XX/XX/XXXX. At that time our escrow was roughly {$1600.00} a year. We were notified in XX/XX/XXXX that our taxes went up to {$4300.00}. Our mortgage XXXX never informed us that this would be the case and basically told us it was our problem. We asked the mortgage company if we could pay the shortage so we can keep our payments down as a $ XXXX increase a month was not realistic for us. The initial told us yes. We had our tax statement from the collector so we knew it was a {$2600.00} difference. We've paid the mortgage company {$1600.00} of that {$2600.00} so far between XXXX and XXXX ( {$1000.00}, {$300.00} and another {$300.00} ). We received an escrow analysis from the mortgage company after XXXX stating that we needed to pay {$2600.00} to avoid having a {$550.00} increase on our payments. We called them up and talked to about 8 different people who all pretty much said we owed the {$2600.00}. We told them that we've already paid {$1600.00} but they could not verify with us that it was received. All they said was they paid the {$4300.00} tax bill and we owed this money. I went through every statement with each person we've talked to and only 1 would verify that they did receive the {$1600.00} and we only owed the {$1100.00}. However, the next day our broker called and verified with us as well that was true but then when we tried to verify it once again to make sure with the mortgage company they said that was false and we must pay that {$2600.00}. They were extremely rude and would not listen to anything we had to say, they were purely going off the escrow analysis and that was it. I asked the last person today to confirm our mortgage statement that showed we our escrow balance to be only - {$170.00} and she said no her system showed we owed the {$2600.00}. again. she was looking at that escrow analysis because that is the only thing that is showing that amount. We feel at this point the mortgage company is scamming us someway on these funds. they are also stating that we can not prepay our escrow to avoid this higher payment. they claim that they MUST charge us for escrow every month and can not accept prepayments. My wife has XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is the first time she has ever heard this. The only thing we can think of is that they just don't want to put in the work to accommodate us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

U S DEPT OF EDXXXX  Account number # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX number XXXX XXXX ; U S DEPT OF EDXXXX XXXX Account number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-03-19
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are guilty of violating my consumer rights and violating F.C.R.A. rules and regulations on several counts. I did file for BK back in XX/XX/2009 which was a chapter XXXX.. However these 2 bureaus are reporting a chapter XXXX and stating they will report it for 10 years ... this is a violation. 
I disputed with them only to receive a computer generated statement saying they verified with the provider the information is correct. I called both bureaus who told me to contact court. COURT CONFIRMED IN WRITING THEY DO NO REPORT, VERIFY OR VALIDATE ANYTHING WITH CREDIT REPORTING AGENCIES ( see attached ) so it is LIE!!!! Then I disputed and called again and was told they get this info from XXXX XXXX. I contacted XXXX and received in writing statement that they did NOT get any response from the bureaus and did NOT get any requests for verification and validation ... SO EFX AND XXXX LIED ON ALL DISPUTE RESPONSES SEVERAL TIMES ... THIS IS PUNITABLE BEHAVIOR AND I WILL COMPLAIN TO FTC AND ATTORNEY GENERAL 'S OFFICE IF THESE ARE NOT RESOLVED AND REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: OH
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 or around XX/XX/23 I was reviewing my Experian credit report I noticed that there was a some Inquiries plus a few extras that wasn't there before, that I made a attempt to dispute months earlier. After calling and requesting for the Inquiries to be removed I took it for face value that Experian would do the right thing. But as we all know now Experian has is still continuing to practice deceptive and misleading practices. Experian made me believe that any and all unknown, non written correspondence, or court ordered Inquiries that wasn't connected to any open accounts would be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-09-21
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My name is XXXX XXXX XXXX I have noticed money missing from my XXXX XXXX XXXX accounts for the last year but was unable to pinpoint where the funds were going exactly. I received an email stating that there was an account in my name with a company called Xoom, I have not opened an account with XOOM. Apparently, the funds are to be going to Alaska? and then I received a check for {$5.00} from XXXX XXXX for service fees that were assisted before using the account. Once again I have NOT opened an account with XXXX XXXX. Someone is differently using my name and information to open accounts and steal from me. Or XXXX knows what else!! I also have ordered over XXXX $ in products from XXXX and have not received anything in the mail, so now I have to contact them to clear that up. Unfortunately, I have tried once and was unable to get into my own account. Please help me my address is XXXX XXXX XXXX XXXX, ca. XXXX home phone XXXX thank you sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management is saying I owe XXXX for a old XXXX XXXX account from XXXX. This debt was bought in XXXX by Asset Acceptance and went though the court system. It was paid in XXXX and the court issued a " Satisfaction of Judgment '' on XX/XX/XXXX. I've called Midland 3 times and was transferred to multiple associates and told to call back to speak with other departments. I will be mailing them a copy of the judgement even though I shouldn't have to do this but this is still Midland coming after me a debt that is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
XX/XX/2019I refinanced my home taking some equity out to pay down and reduce my debt ratio. The first equity I had taken and having paid on my house 16 years. The Settlement Company sent Bank of America a check for two account to pay off balances after10 days the check was lost and unable to locate. I called their processing center speaking with supervisor to request a formal inquiry. Also in the interim, the settlement company voided the check and overnighted a new check to the address provided by supervisor. I had not planned on closing these account knowing this would impact my credit. Once the second check was credited Bank of America sent me a letter closing both account. I had never been late or missed payment on either of these accounts, it seemed they were trying to impact my credit by closing these accounts. I called and made inquiry and was told it was their decision to make and there was nothing I could do to change the decision. If the accounts were closed due to poor payments or late payments I would understand, which was not the case the balances were paid off and not listed that way on my credit report. Paying down balance should have improved my credit, but because Bank of America reported an unfair report, it has impacted my score.

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been going back and forth with Transunion about a bankruptcy that is being reported on credit report since XXXX. Each time I ask for them to verify or validate they send a letter back saying that they verified that the information they have is accurate and that they verified it with USBK COURT XXXX XXXX DOCKET # XXXX, so I sent the same letter I been sending from the court letting them know that the courts is not verifying with them or any other bureau. I called and spoke to a representative and supervisor around XXXX due to sending a method of verification due to no response asking how are they verifying my information from the courts when I have sent the letter from the court showing they are not. The supervisor told me nothing changed cause the court verified, he then transferred me to his supervisor who said the same thing so asked for the furnisher information and he told me it was XXXX, so i asked for the number and he gave me XXXX, I called while I had him on the phone and it was US bankruptcy Court, so I ask do you all verify bankruptcy with the credit bureaus and she said its public records and they do not report. I advised the supervisor I have the right to know and was told we don't have to tell you that and I said yes you do, its my right to know who is reporting information onto my credit profile. I have asked for them to tell me how this information got reported on my credit report and they refuse abide by the laws that allows for me to know who is reporting what on my credit. On XX/XX/XXXX I sent another letter along with documentation and didn't get a response, so on XX/XX/XXXX I sent a no response letter and dated XXXX they sent the same stall letter they been sending since XXXX that it is verified as accurate by XXXX. This hindering me being able to get my career job because as I have disputed with Transunion so have I with XXXX and XXXX and has been removed due to it was not being verified and was a violation of my consumer rights. Attached would be letters that I sent as XX/XX/XXXX, along with letter from court as well as correspondence from Transunion. Transunion didn't look at the proof, how are Transunion able to verify when the other bureaus can not.

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 2017-11-29
Company: Experian Information Solutions Inc.
State: HI
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 a collection account on XXXX, Experian and XXXX from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The sum of {$66000.00} was sent to my Citibank account from wellsfargo on XX/XX/XXXX which was for the purpose of house renovation for my client, I withdrew the sum of {$8000.00} the next day XX/XX/XXXX fast forward to XX/XX/XXXX my citibank account was closed and the bank claimed to have sent the check which I am going to receive in 10-15 business day, the XXXX business day was complete and no check came through, I put a call to the customer service again and demand why they failed but I was told to wait for another 5-7 business day I would get a reissue the former might have been lost in the mail, I waited again and nothing came through on the 7th day .. I have been to the branch here in California several times, I have called and called morning has been done

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 2018-08-27
Company: Diversified Consultants, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text message on Saturday XX/XX/2018 from XXXX stating I had new activity on my credit report. I signed into my report on XX/XX/2018 to see a new collection from Diversified Consultants Inc. posted on XX/XX/2018. The amount of the collection was for the exact same amount of money that XXXX XXXX XXXX had fraudulently posted to my credit report on XX/XX/2018. 

I immediately called XXXX directly and told the operator about my prior experience with XXXX XXXX XXXX and asked the operator to review the new collection from Diversified Consultants Inc. The Equifax operator confirmed that the new collection was from XXXX XXXX XXXX for {$300.00}. 

XXXX XXXX XXXX posted this same collection on my credit report in XX/XX/2018. I was informed via XXXX via text on XX/XX/2018. I called XXXX XXXX XXXX and the operator told me the collection was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX and the operator confirmed my account with them was in excellent standing and that XXXX XXXX XXXX had not sent me to collections. When I called XXXX XXXX XXXX back the new operator told me that the collection had been paid in full and that they no longer had a collection account for me. The operator gave me this information Account number XXXX Address XXXX XXXX XXXX XXXX, CA. 
I called XXXX XXXX XXXX back with the account and address and XXXX XXXX XXXX had no accounts under this information. 

I am concerned that both XXXX XXXX XXXX and Diversified Consultants Inc. are scams. 

Equifax is removing the new collection posted of Diversified Consultants Inc. over the next 30 days. I will not be making contact with this company due to the fact that XXXX XXXX XXXX has not sent me one notice in regard to my account, which XXXX XXXX XXXX confirmed they would do prior to sending me to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled out an online mortgage application on Truist.com. I uploaded all pertinent docs to include pay stubs, w-2s, large deposit letters, bankruptcy docs. All docs were uploaded successfully. 

A loan officer emailed several days later stating he was working on my " loan approval ''. After having to resubmit most docs that I had already uploaded, he came back with information regarding down payment needed for a conventional loan. I asked if he could look in to the FHA programs as I am a first time homebuyer. He then got confused, asked if I was a veteran, stated a XXXX program was only for veterans. I kindly noted that I was not asking about veteran loans as I knew I did not qualify. 

He then told me, after pulling my credit ( I received alerts via XXXX and other credit monitoring services I am enrolled in ), that I was not eligible for ANY of the programs at Truist, and for me to contact him " on his birthday, XX/XX/2023, to find a program ''. My credit should have never been pulled as I had offered my bankruptcy discharge info on their online application at the very beginning of applying. He was completely unprofessional. I have the entire thread of communication. Now my credit score is reduced, this whole situation could have been avoided at the very start if I didn't qualify for any programs as they had access to ALL OF MY DOCUMENTS and as a loan officer, he should know about his companies products, services and what the eligibility requirements are.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was initially told that the funds left in the account could be transferred to a different account before closing the account. Once the account was closed I was told the check would be mailed to the address on file. XXXX XXXX expressed the check was returned. I suggested sending the check to a different address and was asked for personal information via email. I uploaded my DL and Birth Certificate. An email asked me to send the back image of the Birth Certificate. This made me uncomfortable and I requested to have the check resent to the initial address. The email is continuing to ask for the image. I have been waiting on the check to be sent since XX/XX/XXXX, and we're going into XXXX now and dose n't seem as though any progress has been made. I've called several times since XXXX I have the call logs and all the email coorespondence. Currently collecting information in preparation to start taking legal action.

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 2018-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, sent a notice of deletion to all credit bureaus on acct # XXXX XXXX the merchant. experian has it under partial acct # XXXX. since the date of letter from XXXX XXXX to experian dated XX/XX/2017, experian has failed to delete this account, in violation of federal consumer laws.

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