BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I stayed in a Hotel in XXXX  called XXXX XXXX  XXXX. Unfortunately my reservation said XXXX and the hotel was in complete disarray due to remodeling. The furniture did not look anything like the one I saw in pictures and felt I did not get what I expected. 

I left the next morning at XXXX and the hotel had charged me {$410.00} XXXX for the 3 days of reservation. I told them that I was not aware that they would charge me for this upfront and they asked me to talk to manager that would arrive at XXXX. Since I had to go to work I left and checked in at another hotel XXXX XXXX. 
That evening I tried to call the hotel and they never responded. 

So I filed a claim with Citi back then. Initially they denied it as they said I had not proven that I had tried to contact the merchant even after I showed them proof that I did as well as the travel agency. 

Then refiled, then about a month later they sent me a new denial letter stating that I had to show proof of cancellation prior to arriving ... its like Citi Dispute team never read my letters. 

Then I sent again advising them of what happened and that I had paid for another hotel for the remaining 2 days of my visit to XXXX  and that there was no way for me to know upfront that the hotel would be in disarray prior to me arriving. So I would not be able to provide a notice of cancellation. They asked me to submit proof that I stayed at another hotel. 

Now I get a new letter stating : We may be able to assist you if you provide us with documentation showing the merchant agreed to credit your account. If you are unable to provide this you will need to seek other means to obtain credit '' Its like again they NEVER read my letters. If I had documentation showing that the merchant agreed to credit my account ... why would I file a dispute. 

I have spent countless hours calling and following up. In the meantime they charged my account for the bill and are accruing high interest in my account. 

I am not sure what else to do but to file a complaint and request the support of CFPB on this matter. As you can see on the attached its {$410.00} XXXX for one hotel PLUS {$330.00} ( 2 nights ) for the other hotel I moved to.

I agreed to pay for 1 night for the hotel even though I was upset with my stay. So I am requesting a refund for {$270.00} XXXX from Citi and so far they have been siding with the merchant even though they did not provide this service. I feel robbed and need to get this refund issued to me immediately. I am having to make payments on a service I did not receive.

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 2019-01-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Last year, I subscribed to Experian Trusted ID Premier and put both a freeze and a lock on my account. I was notified today, XX/XX/19, that my subscription had expired and that, as a result, my account was automatically unlocked. So I called Experian, during their business hours, at both XXXX and XXXX to speak to a live person. I tried numerous times to reach a live person, but to no avail. I then called XXXX ( XXXX ), which partners with Experian regarding identify theft monitoring/identity loss matters. I got through to a live person. I told the rep that my account was automatically unlocked because my Trusted ID Premier subscription expired, but that I still had a freeze on my account. I then asked : Am I ok with just the freeze, or do I need to re-lock my account? The representative was quite rude and seemed indifferent ; she didn't have an answer. I then asked how I could get hold of a live rep at Experian. She gave me the number XXXX. ( IMPORTANT : I repeated the number to her for verification purposes, and she acknowledged I was correct. ) I then called the number. All I got was an automated answering system. It did not state which company/party I had reached, but did state that I'd be on hold for more than 30 minutes. So, I hung up. I then did a search online to see if the number, XXXX, was legitimate. The results showed that it was not an Experian number. Rather, it was assigned to a person, XXXX XXXX, on XXXX XXXX, in XXXX, TX. I am now concerned about the legitimacy of XXXX since their rep ostensibly gave me a bogus number.

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 2019-08-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I became a victim of a very well put together cell phone scam involving our savings account at Wells Fargo bank. After receiving a cell phone call stating because of lack of use from a computer fix that I had done over 11 months that I was entitled to a {$400.00} refund Instead of hanging up I filled out a FALSE form and somehow the had gotten access to my bank information. To my dismay they sent a screen shot of a FALSE deposit slip into my checking account. I said how do I get this overpayment back tou. They replied the only way was to get gift cards from placeeds like XXXX, XXXX XXXX, and XXXX XXXX.to the amount of XXXX. I panicked and used my debit card to purchase such cards. As I was panicked I came to my senses and realized it was too late> as I gave them the numbers anOn XX/XX/2019 I became a victim of a very well put together cell phone scam involving our savings account at Wells Fargo bank. After receiving a cell phone call stating because of lack of use from a computer fix that I had done over 11 months that I was entitled to a {$400.00} refund Instead of hanging up I filled out a FALSE form and somehow the had gotten access to my bank information. To my dismay they sent a screen shot of a FALSE deposit slip into my checking account. I reported this to the XXXX police officer XXXX # XXXX I was lucky enough to stop the XXXX XXXX case # XXXX reimbursed. 
Not so lucky on XXXX XXXX or XXXX XXXX they cashed them immediately. {$5000.00}. Wells fargo said they could not reimburse The XXXX because I bought the cards. This was our savings that we need for taxes etc. We are both on social security. Wells Fargo Case # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has repeatedly indulged in misrepresenting the status on my creditcard accounts. I have been trying hard to rebuild my credit after being on SSI for years and in the process had to get a secured creditcard from my credit union. The first problem was when they after listing the loan as a creditcard for several months changed the type of loan to " other '' and dropped my score due to their own error. After a dispute which took well over 30 days for them to handle they finally corrected their error. Because I had such a good record of payment with my credit union they gave me a unsecured card with a lower interest rate in XX/XX/XXXX of last year and after a few months because I keep the balance paid off each month TransUnion arbitrarily change the start date on the card to XX/XX/XXXX from XX/XX/XXXX and again lowered my creditscore. After another dispute they removed the account and dropped my score by 25 more points calling the account " closed '' because are using information from the first account instead of the new active account. Their constant consistent misrepresentation of credit scores damages my ability to get credit at a reasonable rate and has cost me 1 % extra interest on my home loan. Talking directly with them and explaining the situation doesn't work as they admit to the error but refuse to correct their mistakes and even refer to the other credit card saying that account is closed. They tried blaming the credit union for providing incorrect information but when I called to their attention that both XXXX and XXXX have the correct information on their sites the people I talked to still insisted it wasn't their fault. They even claimed they hadn't had a response to their inquiry for over 30 days when the information is sent out to all three credit reporting agencies on the last day of each month automatically. Between data breaches and gross incompetence TransUnion has no business even being in business ...

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 2017-12-08
Company: Pacific Union Financial, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage summer XXXX tried to catch up, thought I worked out a payment plan with XXXX XXXX and it append that I did n't, My wife was diagnosed with XXXX XXXX XXXX, had XXXX when she was 6 months pregnant I had to pay upfront for her XXXX plus all the time off from work for booth of us, with hardly no pay, she was of f work for almost XXXX months, gave birth on XXXX XXXX XXXX her doctor made her take 3 months off work, I was laid off so I was out of work for almost 3 months a total of XXXX months with no income, I tried to work on a modification with XXXX XXXX in XXXX XXXX, the person working on my Modification would not have a result I called every other day to get a response, nothing no result, the last day of the modification I was notified that the person working on my modification never got to do it because she forgot those were the reps words, then I was denied. XXXX applied for a modification waited more than 30 days and was then again denied, XXXX applied for a modification and was then again denied no significant reason was given to why I was denied, every time I called I was given a different story, after several packets being denied on XXXX of them the agent working on my modification had added another persons income information to my loan and I was denied I XXXX applied because the information they had was not mine, I was finally approved XXXX/XXXX/XXXX when I was told by a rep. I received the modification approval letter by mail on XXXX or XXXX I called them again, asking why I received the letter so late rep stated that I should of received it sooner and that my first payment for the modification is XXXX/XXXX/XXXX for XXXX I told [ d the rep I do n't have that money right now, his response was well you have n't paid your mortgage you should have of saved that money so you can pay so you have to pay. it is not their business to know if I have money or not, I recently left a job and started a new job on XXXX/XXXX/XXXX I was out of work for XXXX weeks, no pay. they do n't take in consideration and I was told so many different stories on my modification it is silly, and frustrating, I honestly do n't wish to loose my home but they can not send me a letter with in a couple of days saying I have to pay so much or my modification will be denied, and I will loose my home. I feel I have been played by XXXX union plenty. I need help to get this resolved I wish I would n't of use my mortgage money to pay for my wife 's XXXX but everything happened so fast.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Like so many other Americans I was adversely effected by the COVID pandemic. I was making the payments I could and my loan is now due for XX/XX/XXXX when I could no longer keep up the payments. In XXXX of XXXX I sent in documents for a loan modification. My denial letter stated that while I was denied the modification I did qualify for a short sale, deed in lieu or deferral. I accepted the deferral and signed and returned the agreement. On XX/XX/XXXX I spoke to XXXX XXXX who said she was a supervisor and was told I did not qualify for the deferment and to send in a modification package to get reviewed for a deferral. I was told to submit an email request to XXXX. A response was sent via an encrypted email that could not be opened and all requests for a copy to be mailed or emailed were ignored. We then sent another request XX/XX/XXXX which was also ignored. A follow up email requesting status of the first email was sent on XX/XX/XXXX and also never answered. I was served foreclosure papers on XX/XX/XXXX without the deferral or research request being completed. I have attached the agreement sent to me and my signed and returned copy. My father is in XXXX  and this pandemic has been awful. I would like my mortgage deferred as I agreed to. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Nelnet, Inc.
State: TX
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:
After reviewing my credit file I have come across information reported from Department of Education/Nelnet that is incorrect. On XX/XX/XXXX I spoke with XXXX at NelNet Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that NelNet has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been looking for a savings account with good rates to put my money for a while, and stumbled upon Citibank accelerated savings account, so I opted to open an account through their mobile app, since I already have a credit card from Citi. 
* On XX/XX/2020 I opened the new account and received a welcome email from Citi to go ahead and deposit funds * On the same day ( XX/XX/2020 ) I deposited {$5000.00} into the savings account * The following day, XX/XX/2020, I logged in to check that the funds were deposited successfully. 
* To my surprise, my account has been frozen * after several calls to customer service, I realized that the account was frozen due to fraud alert * after calling the fraud department, I understood that they had an alert for fraud activity in the account so they froze it. 
* They say that I need to go to a Citi branch and verify my identity * here is the problem : I live in Washington state. There is no Citi branch in Washington state. The nearest branch is in California, a couple of hours flight from my location. Citi has no solution for me, especially in the current situation with covid-19. They are holding my {$5000.00} with no way for me to retrieve them until I authenticate my identity in their out-of-my-state branch. So bad!

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 2019-10-22
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX**** ; XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX** and XXXX XXXX ( Original Creditor : 12 XXXX  ) XXXX** ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: Blockchain.com, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In a nutshell, the company Blockchain.com has been maliciously taking advantage of their customers with misleading XXXX verification methods. The company is purposely sabotaging its customers, making it extremely difficult and time consuming to try and verify ones identity, all in hopes that the customer will either give up or fail so that they company can keep the funds and remove them to a different wallet. 

The situation started XX/XX/XXXX. As i tried to move my bitcoin from my normal blockchain wallet, which at the time of sending was worth {$4000.00}, i noticed the transaction was stuck on pending for a long period of time. Shortly after, an email had arrived stating that i need to verify my identity to remove the money from my wallet. I have been using the wallet since XX/XX/XXXX, and not once have I EVER been asked to verify. Upon further research, i discovered that the site blockchain.com, suddenly had a policy that if more than {$1000.00} was sent, then verification was needed ; including your ID, a selfie, and a bank statement/utility bill. First and foremost, To date, i have sent well over {$1000.00} at any given time, dating back to over 3 years ago, and as recently as this Spring/Summer of XXXX, so for this arbitrary demand to come out of nowhere, it all seems extremely suspicious. 

As i begin to start the verification process, i start to notice how complicated and convoluted the process was. I have completed XXXX on numerous crypto exchanges, and they are all relative easy and straightforward. Blockchain.com sends multiple emails requesting the same info, dead links that wont let you upload, and has the response time of snail mail, when email should be a quick and easy process. Also, being a bitcoin exchange, they should be fully operational and responsive 24 hrs a day. There are no banking holidays, and exchanges do not close. After recently receiving over XXXX XXXX in fundraising early this year, you would think the company would function a lot better. But unfortunately, i have continued to jump over hurdle after hurdle, filing numerous support tickets, and constantly going back with their XXXX Support specialist, to still not have my money transfer sent through or a resolution to this problem. 

Further investigating also showed that there was a pattern of similar scenarios via review sites like XXXX. MULTIPLE customers have complained of how complicated the KYC process is, and that money from there wallet has disappeared when waiting to complete verification. All this put together, you can see the company needs to be properly vetted and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
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:
Please investigate the following information. XXXX XXXX XXXX   XXXXThe address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. The status updated is incorrect, correct it or delete this account. The Terms are incorrect, correct it or delete it. XXXX XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Original balance is incorrect. Correct or delete this account. The terms are incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX XXXX No contract with this company. Refused to provide documentation this is a valid debt. Delete this account. XXXX XXXX Date open is incorrect, correct it or delete it. The highest balance is incorrect, correct it or delete it.

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