BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for Citi Simplicity Visa on XXXX XXXX, 2017 & received denial letter dated, XXXX XXXX, 2017 with reasons for denial : I filed bankruptcy & citi account was included. Previous or existing citi bank cards have past due late payments, & current credit account use is restricted. I have all 3 credit recent reports and NONE of these are on any of them, nor have a filed bankruptcy. I called the number on the letter, XXXX & was told by representative he needed to transfer me to another rep. While on hold I hear a recording saying this is an attempt to collect a debt. XXXX answered indicates he is in Citibank in XXXX. I dont have any derogatory accounts, collections, or public notices on any 3 reports.I told XXXX my concern was that online I attempted to check application status and my info was not what they had on file. Ie, birthdate, phone number, & zip code. I asked him for his address in XXXX. He gave me Citibank in Kansas. I asked him what account from Citi is he attempting to collect on, and he never told me. He also REFUSED to let me speak to a supervisor nor give me his phone number or his supervisors number. Also after calling the number on the denial letter, the automated system directs you to call XXXX for application status. I have good credit never late. Obviously, they are not denying me based on whole or in part of ANYTHING IN ANY OF MY 3 credit reports. Im being denied credit based on lies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was part of the Equifax 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 Equifax, XXXX, or XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NY
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update these following accounts : XXXX XXXX Balance Owed : {$350000.00} ; XXXX  XXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation. 

I then reported this here about chexsystems and they lied and the complaint was closed. XXXX had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I previously disputed several inquires with experian due to fraudulent activity. The company denied my challenge and then agreed to remove 2 of them in a previous CFPB complaint. This never happened and I was never supplied a new credit report via USPS as promised by Experian in their response. Not only did the company fail to remove the inquires, but it was vague in its response, not indicating which ones would be removed. I Further demand that all challenges be removed as the Experian never provided proof that these inquires were valid. The burden of proof remains with Experian as stated in the FCRA that credit reporting companies must prove information reported to be factual. This has not occurred within the 30 day requirement per the FCRA so I demand that all of the challenged inquires be removed immediately! 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: MI
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:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. XXXX, XXXX XXXX, and Experian have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-05-07
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I had a 3 year note with Associated Bank ( AB ) ending on XX/XX/2018 with a 2 % prepayment penalty clause. When XX/XX/2018 came we had the Note renewed for a 5 year term. The prepayment penalty ( pp ) on the second note was structured differently. 5 % pp if the note was paid in full in the first year and 4 % pp if the loan was paid in full in the second year and so on. 

All I knew before signing the note was the interest rate and the duration of the note.My complain with AB is that I saw the note for the firsts time the day we signed the papers. The AB employee briefly " explained '' each page before flipping them over. very poor mentioning of the prepayment penalty on a 35 page document on a half and hour meeting. I do accept responsibility for not thoroughly reading 35 pages in a half and hour meeting, but I think AB should take responsibility for not explaining well to clients important details of the documentation and for not giving clients ample time to see the documents before signing. 

Another issue I have with AB is that they changed the pp from 2 % for the entire 3 years on the first note to 5 % if the note was paid on or before the first year of the 5 year loan, 4 % if the loan was paid on or before the second year, 3 % pp if the loan was paid on or before third year, 2 % pp if the loan was paid on or before fourth year 2 and 1 % if the loan was paid on or before fifth year. 
We sold the property less than a year after we signed the second loan and we were charged the 5 % pp. 
I tried to work with them to possibly charge me 2 %, much like the first note as the pp was very hefty, but they declined to keep some responsibility for explaining the note terms adequately at the signing. 
I am aware of the brutal " goals '' they impose on their employees which in turn their employees either are dishonest with clients or do not take the proper time needed to serve the clients properly. I call AB on shady banking practices and on very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had 11 accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through XXXX  XXXX service. XXXX listed the 11 accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my credit score and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX  XXXX, and all credit bureaus and it continues to report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have a TransferWise Borderless account to which I attempted to make 2 deposits in XXXX XXXX XXXX XXXX XXXX  via bank transfer. The deposits are as follows : # XXXX for XXXX XXXX # XXXX for XXXX XXXX Upon receipt of the money, TransferWise flagged the deposits as problematic. When I contacted their support team, they falsely claimed it was because those were " cash deposits '' which they do not accept. 

The attached bank receipts clearly demonstrate they are bank transfers, from a valid bank account at XXXX XXXX in XXXX and in my name, which they have already used to both make transfers from and deposit into. Despite me providing them with those receipts, as requested ( via email and their online document upload tool ), they refuse to hear my plea for a speedy resolution and credit my Borderless account. They still have the money, and the only resolution offered is for me to provide them with a " family or friend 's XXXX  bank account '' to which they would refund the deposits. Alternatively, just today, they offered me to refund them to the very XXXX XXXX account with which they claim they are unable to work " due to government regulations '', as they are a third party. 

These are clearly unfair business practices, and TransferWise 's refusal to credit my Borderless account is arbitrary and groundless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have provided written disputes with L.J. Ross collection agency on three different occasions requesting validation of alleged medical debt from XXXXXXXX XXXX XXXXXXXX of {$98.00} and {$140.00} on my XXXX, XXXX and XXXX credit reports. I was never sent validation of any contracts, signatures or copies identification card. I was sent details of hospital bills only. These are not my debts and are not associated with me. This is a violation of the Fair credit Reporting Act and Fair Debt collection Practices act for failure to validate any of the alleged debts. I am requesting these debt be deleted from each credit reporting bureau. I also have all written communication betweenL.J.Ross and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
HYAT, HAYT, & LANDAU, P.L., a third-party debt collector violated my right to privacy by illegally obtaining my location information, sending me a debt collection notice alleging that I owe a debt whereas a debt collector can not make such, and identifying themselves as a debt collector but falsely misrepresenting the communication as being from an attorney. I did not provide them my location information and they did not have consent to contact me in reference to the collection of an alleged debt.

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 2018-01-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This all started on XX/XX/XXXX I kept getting charges from XXXX so I went to the bank to case and reopen a new account. I was told by the banker and given a paper that he informed social security of my new account and i need not to do anything, on XX/XX/XXXX I recieved  a check and deposited it via photo deposit and called later that day and was told the funds would be available on the XX/XX/XXXX on the so checked the next day and there was no funds available so I called and was told that there was a restriction on my acct and its about to be closed due to fraudulent deposit. so when I told her it was given to me by my insurance and it was a chase check then they transferred me to someone in the fraud dept and she verified the check and lifted the restriction in the process i had written a check for the rent and also my insurance. i get my debit card on the XX/XX/XXXX and when I went to activate the card it had been deactivated and my account was going to close again so I went to the branch and spoke with one of the bankers and he said it was a bank error and that the account should have not went through all that and I get a text from my rent office saying that my payment was returned on a closed account and now I have late fees and I showed iI cant afford to pay my renters insurance all the extra money and fees I had to pay because of the banks error had caused me not to be able to buy my family XXXX gifts so now its XX/XX/XXXX and I wake up to no direct deposit went to social security and they tell  me chase has not sent anything over to change my account and also they don't have the authority to do that so he dont know why they are telling customers that only they can change banking information and my social security has been sent to the closed account so fI call customer service and they are telling me they can help me and it going to take 3-5 business days for it to get sent back and then thy will return.I then asked to speak to a supervisor that then said she could not help so the 3rd person I asked if she could transfer from the old account to the new and she finally got the ok to do it by this time I am at the branch and the funds are not available and I am talking to the man that tes me he sent over my direct deposit information to social security and they never got it so he go to the supervisor and she says since she can see it she will give it to me for the banks error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please note : I tried contacting Selene Finance regarding my loan, in XX/XX/XXXX, and they refused to give me any information regarding my loan. The only information they gave me, was to contact the attorney that was representing me. I DO NOT have an attorney that is handling my mortgage. The only time a lawyer was handling my mortgage, was in XX/XX/XXXX when I filed for bankruptcy. The lawyer that handled my bankruptcy has disbarded himself recently in XX/XX/XXXX. I have not received any statements from Selene financing, only what I enclosed. I sent them 2 payments, in XX/XX/XXXX and XX/XX/XXXX, both payments were returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I called to payoff my chase credit card and was given a total by supervisor at Chase. Supervisor said you will not be charge interest anymore after this I am making sure all is included in the payoff. on XX/XX/XXXX I get charge of XXXX dollars on a {$11000.00} balance. in a summary on XX/XX/XXXX, she charged all interst at that point no interest should have been billed after that since the balance is XXXX. I called back onXX/XX/XXXX and another supervisor will not make the adjustment and insist that she did not charged me enough that is the reason I need to pay. All I am asking for interst to be credit to my account. I overpaid my account because I made a payment on XX/XX/XXXX of XXXX and then paid off on XX/XX/XXXX. that is why they are trying to take my money. I need my money back. thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I recently just took a look at my credit report and I see some items on there that I do not recognize.

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 2019-10-01
Company: Centron Services
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received no notification from the collector of this debt prior to the collector placing the account on my credit report. Despite being legally obligated, the collector failed to provide any sort of Dunning Letter, violating my right to dispute the debt within thirty days as guaranteed to me under the Fair Credit Reporting Act. To the best of my knowledge, I do not owe the original creditor any money, as they granted me financial assistance covering all medical bills accrued with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing to you today hoping you can stop the bank from taking the house Ive called my home for the last 55 years. I had hoped my grandchildren will be able to enjoy it as their parents did before them, and my parents did before me. 

My troubles started back in XX/XX/2011, when I was diagnosed with XXXX XXXX. This is a XXXX   of the XXXX near the back of my XXXX. The condition results in something worse than XXXX   that can leave me XXXX XXXX XXXX for two or three weeks at a time. Not able to work, my daughter helped as best she could but it looked like we would need to sell. A I recovered and started being able to make money again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I started working with my bank, but at some point during all of this, they sold my mortgage to XXXX. I approached this new bank. Everything seemed to be going great until I went to sign the modification promised me and I noticed the rate was much higher than what I had agreed to, at over 7 %. I continued to pay my bills while trying to fix this, but my mortgage was sold yet again, this time to Caliber. 

I now tried to work with this bank. I explained my situation to them, as I did to XXXX. But they refused to uphold the agreement I had worked out before because I am XXXX. I turn XXXX this year! I am too young yet for social security but too old to looked at for most jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: MIDFIRST BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account reports 30 day late payment for XX/XX/2019 and XX/XX/2019. 
XX/XX/2019 payment was made XX/XX/2019. 
XX/XX/2019 payment was made XX/XX/2019.

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 2019-07-13
Company: Performant Financial Corporation
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 information incorrect

Complaint:
The company, Premiere Credit of North America LLC is collecting money on behalf of the XXXX XXXX XXXX XXXX. Both companies are reporting my account as 180 days past due when that is incorrect. I have made payments and disputed this information with the credit bureaus and the credit company still reports incorrect information to them.

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