BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint with your group and the company submitted inaccurate information. Company advised they could not speak with me, I spoke with  Wells Fargo on 2 separate occasions. Wells Fargo  has continued to conduct deceptive business practices which should be illegal. They tried to foreclose on my home initially by not going through the proper channels. They stated I had abandoned my home and submitted paperwork legal documents to clerk of court to expedite foreclosure. Next they advised you all they would try to help me with appeal, they denied my appeal with continued faulty explanation. During this entire process they have continued simply wanting to foreclose on my help since it is insured by FHA. They have did this thousands of times to many consumers and your group CFPB has allowed this practice. You closed out my prior complaint without giving me the opportunity to respond. I am writing my local representative i n Congress and the Senate along with SC Dept of Consumer Affairs. I was advised your organization was the group to submit a complaint but you continue to allow such behavior without any oversight or accountability on the behalf of Wells Fargo. Again I did speak with Wells Fargo and they did refuse any help or any possibility of help. Will your organization please hold Wells Fargo  accountability and do a thorough investigate my case. Thank You

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 2015-10-27
Company: Empowerment Ventures, LLC
State: LA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I had my direct deposit set up with Rushcard and now I ca n't access my funds. It posts the funds to the account but when I try to withdraw it from the ATM it does n't allow me to. It also wipes out my balance when I try to use it in any store or contact them about not being able to use it. Also, when I contact them they hang up in my face or tell me that there is nothing they can do until it 's fixed and they have not estimated date or time that it will be corrected. I call them everyday and as soon as I 'm connected to an agent they hangs up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03
Company: QC HOLDINGS INC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The companies I took the loan out with told me that they do n't have my loans in there office. At the time when I took them out I had a source of income. I had someone to file fraudulent income taxes in my name that am still working on. I took  XXXX  out at  XXXX   XXXX  for {$410.00},   XXXX   XXXX   for {$410.00}, and  XXXX   XXXX   XXXX  for {$410.00}, and Express Check Advance for {$410.00}. Am willing do what I can to pay on these loans. All these loans where took out in   XXXX  .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 kindly immediately delete and eradicate these accounts from my XXXX XXXX and XXXX XXXX  Attached is the proof I owe XXXX $ already everything is settled for good but I dont know why this information still appears. This is immensely frustrating so kindly have a look immediately and solve this on priority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: Bridge It, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received eight communications over the last seven weeks from Brigit about a debt that is not mine. These communications occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The messages stated > Your recent {$50.00} cash advance has not yet been repaid and is overdue. 

I have no business with this company, and have never taken out a loan with them. Additionally, the name in the " To '' field of these emails is not my name ( though the messages are being sent to my email address ). 

On XXXX, I received such a message about this alleged debt from XXXX. I sent a message to the company stating that this debt is not mine, and as such I require that they stop contacting me about it. They replied > We show an account under <my email address> with an outstanding balance. We keep sending emails until the balance is repaid. You can always block or mark us as spam on your email provider 's platform. 

On XXXX, they sent yet another message about this same alleged debt to my email account, from a different email account ( 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 2017-01-04
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Rewards

Complaint:
Citi sent me a new credit card offer in the mail, addressed to me, for XXXX XXXX miles for signing up for a new platinum credit card if I spent {$3000.00} in the first 3 months. I have previously had a similar card that I 'd closed and I assumed they were offering this to get me back as a customer, so I applied and was approved. I then spent over {$3000.00} in 2 months, meeting their requirement. Then after waiting a few months without the miles showing in my account, I called them. They said that I was disqualified before they even sent the mailer to me because I 'd had a similar card within the past 24 months. So they sent me the offer, knowing that I did not qualify!! It 's false advertising to send me a directed mailer with a promotion that I do n't qualify for, then approve me for the product without any notification that the promotion is not valid for me. I was led to believe by the directed mailer and the card approval, that I qualified for the offer. I do n't have a problem with the fine print, per se, but I do have a problem with the lack of notification since they are the ones that determine when/if someone qualifies and these rules probably change all the time, as it probably says in the cardholder agreement. I asked them what they could do to fix this and they said it would be reviewed and I may get the miles granted still, and I would get a letter with the result. So, I waited for the result of the review and instead, received a worthless restatement of their policy : " Thank you for contacting our Customer Service Team. 
Bonus Reward Rebates are n't available when an existing account in the same product has been opened or closed within 24 months. 
If you have any questions or are in need of further assistance, please call '' This practice is at the very least, deceptive.

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 2021-12-20
Company: TRUIST FINANCIAL CORPORATION
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:
Spoke to a customer service representative on XX/XX/20 about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.

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 2021-01-18
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. WFDS Inquiry XXXX XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2017-05-03
Company: EQUIFAX, INC.
State: SC
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 submitted a dispute to have a  Public Record  removed from my     XXXX   and Equifax credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied , but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have submitted multiple disputes for a Tax Lien on a boat that I sold in 2012. Apparently the buyer shipped the boat out of the country and DMV never received my Release Of Liabality. I have since filed another Release but every year since received a tax lien and a couple of which i paid because I did n't know what to do. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All I wanted to do was delete these few items off of my credit report that are not mine.

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 2016-05-24
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I would like to register a compliant about a company by the name of Navient. Navient is the servicer of my son 's student loan on which I had cosigned. He attended the California XXXX XXXX in XXXX XXXX. 
XX/XX/XXXX, I was getting numerous phone calls from Navient because my son was in arrears with payments. I learned that he had not made a payment since XXXX XXXX and when I finally got in touch with him, he informed me that he was no longer going to make any payments on this loan. To get a handle on the situation, I contacted Navient to get information on what I was responsible for going forward. I asked for a copy of the original paperwork along with payment history. I received a letter dated XXXX/XXXX/XXXX with XXXX papers enclosed. XXXX was a promissory note dated XXXX/XXXX/XXXX with my signature as " Parent Borrower ''. The other was a paper titled " Notice of Loan Guarantee and Disclosure Statement for Federal Plus Loan Disclosed as of XXXX/XXXX/XXXX ''. This disclosure notice gave a variety of information on the loan along with the amount of {$24000.00}. My signature was not on this disclosure form. I contacted Navient again in XXXX to get the payment history that I had wanted and they set me a cover letter with the original loan amount of {$50000.00} and a principal of {$77000.00}. The current loan amount is listed as {$79.00}, XXXX after accrued interest of {$1400.00}. 
I do not have any document with my signature on it with any correlating loan amounts. I do not have any information as to how these amounts were derived. The records they have provided do not demonstrate that I agreed to any specific loan amounts. It appears that I have fallen victim to Navient for their unfair, deceptive, or abusive acts and practices ( UDAAP ). This violates federal regulation and should be investigated. 
This presents a substantial burden on me at this time as I am retired and living on a fixed income. Can you please look into this to see if you can provide me with any type of relief?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Dear officer, I made a purchase of a really small amount on my credit card XX/XX/XXXX. The bank failed to send the monthly statement by mail and so I was not aware of the balance on the credit card. I did not make any other purchase on that card since then. The credit card company never contacted me about the past due until XXXX months later when I was warned by the credit score change ( 800+ to 620 ) from another credit card company. The bank have all my contact information on file including email address and phone number but obviously they did not try to let me know about the problem. I think the bank should be responsible for providing the account information to me and warn me about past due. Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received  XXXX  solicitations from  American Express  in late  XXXX   XXXX  offering  XXXX  miles with  Delta if I signed up for the Gold Skymiles credit card befo re  XXXX   XXXX ,  XXXX  and spent {$3000.00} in the first 3 months. I received the card approval  XXXX   XXXX ,  XXXX  and spent over {$3000.00} by the end of  XXXX   XXXX . I have contacted  American Express  several times most recently on  XXXX   XXXX ,  XXXX  where a back office inquiry was opened and on  XXXX   XXXX ,  XXXX  to follow up on findings. I was informed that  XXXX  miles was all I would receive. I fulfilled all of my obligations to receive the  XXXX  miles according to the  XXXX  brochures I received but can not get an answer as to why  American Express  is denying me the miles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: NY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2015-04-06
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Citi-mortgage and have not been XXXX days late with them. They keep calling about the mortgage payment for XXXX even though it is XXXX XXXX ( within the XXXX day grace period ). The worst part of the matter is, they keep calling my relatives from another state which never gave them that information. Citi-mortgage took it upon themselves to skip trace those numbers even though they have my contact information ( it hasnt changed in the XXXX years I have had the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX  Synchrony Bank will not post my correct balance and payment history to the  XXXX  reporting agencies   XXXX   XXXX   and  XXXX      they keep reporting I have maxed out my card and not show my correct balance I was forced to pay off my account and close my account I need for them to post my good payment history and my balance paid off and closed

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 2015-12-31
Company: CITIBANK, N.A.
State: AZ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
In XXXX 2014 XXXX gift cards I purchased at Home Depo each for {$500.00} for total of {$1000.00} ended up having a value of {$0.00}. The store told me the cards were used in California after I purchased them. I always had them in my possession and I believe there is big time fraud going on there with gift cards. My research says people maybe even the mgmt of this company gets the numbers on back of cards re inks cards then innocent people like me get ripped off after buying them for gifts. This was on TV news recently which is why I decided to pursue this a year later. These cards should be locked up etcc.. before selling but if Mgmt is involved that wont help ... ... ... I purchased other cards at different home depot and they were fine ... This XXXX store is commiting fraud and they act stupid when its brought to there attention see letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a XXXX mortgage loan with citimortgage. The mortgage type is XXXX year balloon with a interest rate of 11.625 % with a monthly payment of {$760.00} I currently have a decreased of {$10000.00} in income due to job placement. I apply for a loan modification to decreased my monthly payment to a affordable payment. I was approved for a loan modification for the amount of {$720.00} with a XXXX interest rate. Citimortgage adjusted my monthly mortgage payment per month for {$48.00}. I am trying to dispute this matter, and I am not getting assistance or help with a affordable payment. I am having trouble with making my mortgage payments. I am not able to afford the monthly payment of {$720.00} per month. I have every intention of paying what I owed. I just wanted assistance with an affordable monthly payment that will allow me to make. I will like to be reviewed for an affordable mortgage or a lower interest rate. I have a conventional loan and citimortgage loan is not trying to help me keep my home. Please help me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Kross, Lieberman & Stone, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
An agency named Kross, Lieberman, & Stone have fraudulently stolen {$950.00} from me and I want my money back. Kross contacted me and claimed that I had an unpaid debt which they were trying to collect. Kross used the false name of XXXX to steal my personal information and made a false settlement agreement with me. Now an agency named XXXX is claiming I owe them and I have a balance of {$800.00} plus that I owe them. This is a lie. Kross appears to be a criminal organization that steals from consumers who are trying to do the right thing. Under that settlement agreement I DO N'T OWE XXXX ANYMORE MONEY BECAUSE I PAID THEM ACCORDING TO THE SETTLEMENT AGREEMENT. AND THOSE XXXX CREDIT BUREAUS ARE HOLDING ME HOSTAGE BUCAUSE OF THIS FRAUDULENT COMPANY CALLED KROSS, LIEBERMAN, AND STONE.

Company response to consumer: Closed
Consumer complaint received 2017-05-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
A few weeks ago I got approved for a CitiBank  XXXX   XXXX  credit card. It finally arrived yesterday  XXXX / XXXX /   17  in the mail and went online to activate the card but I as soon as I hit the activate button I received a message saying I need to contact Citibank Fraud support. When I called the number an agent whose name is  XXXX , ID :  XXXX  who asked for sensitive information such as the credit card number on my   XXXX   XXXX   XXXX   card which I refused to give out due to    XXXX   has nothing to do with Citibank. She put me on hold several times for a long period of time when I asked to speak with a Supervisor/Manager. While on hold she hung up on me and did n't bother to call me back. I called in to my nearest  Citibank  branch and they said that no agent should  EVER  ask for credit card info other than a  Citibank  card. At this point I 'm extremely frustrated with this bank and they refused to cancel my account since I need to send a photocopy of my social security card along with my driver 's license over to them to verify my identity. This is extremely sensitive information that can not be shared on the internet let alone via email. I 'm reaching out to you guys seeking for further assistance with this matter. Let me know if you need more information from me, thank you.

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