BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX, I sent letters to Equifax asking them to investigate an account from XXXX XXXX XXXX, as of XX/XX/XXXX, they failed to respond to my request as to how they verified this account. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when it will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
US Bank changed PMI removal requirements after I closed the loan. 
To avoid PMI, I was willing to pay a 20 % down payment at closing. But the loan officer closed my loan with a 15 % down payment and informed me that I can pay the remaining 5 % anytime in the future and request to remove PMI. Last XXXX I called US Bank and asked them to take the remaining 5 % payment and removed my PMI. They told me to cancel PMI I have to pay 35 % of the original purchase price. This information was never disclosed to me before closing the loan.

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 2022-08-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: BARCLAYS BANK DELAWARE
State: CT
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:
Credit ran and hard inquirys incurred. 
XXXX XXXX XX/XX/XXXX Barclays Bank XX/XX/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 2022-09-30
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When I try to log onto my account, with Citibank, I am requested to supply the number of an ATM debit card. A card I never received. When I called to report the problem, they ask me for the savings account number linked to this card. I do not have that information, lost ( i.e. email deleted ) as all set up online and paperless. They ask for SSN and my special word attached to the account, but their system also requires the savings account nbr, which I can not supply, so they stop helping. 
I am told to go to a branch. Well Citibank closed all branches in Colorado, and only have branches in a very limited amount of states. Citibank is head quartered in South Dakota. So they have a branch in XXXX XXXX, XXXX miles away from me. 
My other option is mailing their bank division and hope they will reply and help. 

At this time, I can only pay my credit card, over the phone, nor can I add make a credit or debit to my savings account. 
Also if the card was mailed, how do I not know it was stolen, or return to Citibank as they could have used an invalid address. 

If I do not get access to my account, I will be unable to obtain my 1099 needed for my tax return. And with the good interest rate, I am unable to put more money into the 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 2023-01-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
on XX/XX/2023 a person from Wells Frago called me to tell me that WF followed their internal procedures in assisting a customer open an account. They had two false statements : First they stated they had no internal notary available. That is not correct since a XXXX XXXX XXXX XXXX ID XXXX had notarize my documentation. WF also stated that they could not assist me in what areas to fill out, on their form, since this would be perceived as giving legal advice. Again, not true because all forms that I received at the branch had yellow highlight of the areas that needed to be completed. The individual apologies multiple times on the challenges WF has internally, which is not against any law but definitely demonstrates the inability for WF to manage people 's money. So WF has lied, just made-up excuses of why they can not complete a Trust document. I believe after all of this there is a bigger issue of discrimination on a customer that has set up a Trust account. The perception is that this customer has money, and we are going to give him ( a guy ) a hard time. All the employees I have dealt with have been of XXXX and female background. The last issue WF states that XXXX XXXX phone number XXXX Branch Manager does not exist in their employee directory and neither does XXXX XXXX XXXX at the XXXX branch. They are hiding the fact that these employees are discriminating against customers and they either have no clue of procedures or they are not following 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
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I do not wish to renew this card for an additional year, however the company is refusing to remove the {$39.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 a 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 2022-12-13
Company: MoneyLion 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:
I started a credit building service with MoneyLion. They put {$1000.00} into a reserve fund and I never received the money. I was told that I would make increment payments towards the balance at {$22.00} a week plus {$4.00} service fee a month. After approximately 5 installments paid, I informed them that I no longer wanted the credit building or Money Plus line. To date they have not contacted me or allowed me to close the account, however, on XX/XX/XXXX my credit score on all 3 bureaus dropped XXXX points because of a derogatory remark from MoneyLion ( please see below ). I do not owe them the money because I never received it. I do not want their services, but they refuse to help me cancel my account. 

MONEYLION INC has flagged your account as 30 Days Past Due on XX/XX/2022. 

Source : XXXX XXXX : MONEYLION INC Address : XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/2022 Balance : {$900.00} What now? 

Negative activity can have a significant impact on your credit score and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try XXXX XXXX to raise your XXXX  Score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: ARVEST BANK GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Mortgage went through a merger. ARVEST IS STATING NO PAYMENT RECEIVED FOR 2 MONTHS BECAUSE THEIR SYSTEMS AREN'T REPORTING CORRECTLY AND WE ARE BEING FINED AND AT RISK OF BAD CREDIT REPORTING BECAUSE OF THEIR SYSTEMS -- WHEN WE PAID ON TIME. THEY ARE GOING TO RUIN PEOPLE 'S CREDIT. I got a letter in XXXX about the merger and changed the payee address in my banking institution portal XXXX XXXX XXXX XXXXXXXX ) immediately as advised by the letter ( and the rep when I called to confirm ). Without word to me, the account had been logging a failure to pay for 2 months without notifying me but when I log into my XXXX account -- it's paid for the last 2 months at the payment addressed advised in the recent letter. When I log into my Arvest account I can see payments attributed for the past 2 months, but there's also some weird late fees added even though my payments were not late. 
I got a letter today advising me of the unpaid status of my account, checked my XXXX  payments ( both cleared ) and the Arvest portal payments posted ) but when I call the Arvest # to talk to a rep there's a message telling us there's a payment problem and the letter says call them and use an extension but I recorded 3 times calling them and it sounds like it connects but then hangs up. Three times. I have 3 recordings. XXXX extension XXXX. 
WHEN I LOG IN I SEE ALL OF MY PAYMENTS MADE ON TIME but still got the letter. XXXX shows my on time payments ( I have autopay set up ). WE CAN'T REACH THEM. THEY WON'T TALK TO US. Also, the entire month of XXXX is MISSING from their online portal. I have a printout. 
Also, look at the image I attached. Two payments made the last 2 months for more than the amt due, received 1-2 days before the due date, but when I select all activity since XX/XX/2022 I only get from XX/XX/2022 and can't scroll down further and there's no additional page, and there are fines assessed even though my payment isn't late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
the bank CHASE closed my account and i dont know why? but ok int he contract say the bank can close the account when they want, it is ok for me, but they not return my money and anyone say me anything, i callin every week and only they say i have to wait it is happen about 3 months ago, since XXXX XXXX and they have XXXX dollars mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: MoneyLion Inc.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a purchase from XXXX and was charged more than expected so i decided to cancel the order. They issued a refund on XX/XX/XXXX. I can see it was sent on the customer account.The bank keeps saying they have not received the refund. I filed a dispute with the bank. Then on XX/XX/XXXX another refund was issued. I still have not received my funds from the merchant and it has been sent to the bank twice.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CITIBANK, N.A.
State: CA
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:
I founded my Macys credit card was charged with out my authorized and I didnt recognize the purchase.

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 2023-01-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB + ERC, In a recent check of my mail I see there is a collection account from ERC saying I owe a debt that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address Your mailed letter This letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given direct verbal and written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX, XXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Called CitiCard to ask why my interest rate charge was two-tiered and had increased dramatically from 13 %. Agent replied that I had a late payment in XX/XX/2022. As was caring for a friend during XXXX treatment, it went unnoticed. I told agent that my bank showed an online direct wire payment of {$400.00} ( nearly double minimum payment ) on XX/XX/XXXX for a due date of XX/XX/XXXX. She stated that Citicard posted that payment on XX/XX/XXXX. I have XXXX control over when they choose to post payment. I informed the agent that the new rates were ridiculously high@ 29.99 % and 18.49 %, and that my other card had kept my rate at less than 10 %. She stated that she could only refund my late fee. When I stated they would be reported, she retorted that she would put the fees back on my account. I thought there were laws against usery in our banking system. Could it be that super pacs rule our consumer protection agencies and leaving us exposed to bad actors in our banking system?

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 2016-11-11
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
New Century Financial filed a judgment against me on XX/XX/XXXX at the XXXX. # XXXX. This judgement is now displayed on my credit reports ; XXXX, XXXX and is still causing damage to my credit. I was not served properly of this notice of judgement in XX/XX/XXXX. Second, I contacted XXXX on on XX/XX/2016 to set up a payment arrangement because XXXX Credit Bureau told me they are the owner of my account. After doing some research and finding this firm was Sued by CPFB for XXXX for making false false or empty allegations about consumer debts, Filed lawsuits based on unreliable or false information, Harassed consumers with unsubstantiated court filings which I am now a victim of. Since I filed a complaint with the CPFB ( Consumer Protection Federal Bureau, I just received a letter from them stating the they " previously advised, me that XXXX is the new owner of the judgement after being reported to CPFB. XXXX has now sold my account to another third party. XXXX is now telling me if I do n't keep my arrangement I will be responsible for addition filing and court fees. XXXX also states that they do not report judgements or law suits to credit bureau agencies which is not true.. 
I want this judgement removed from my credit report because I was improperly serviced, the number to the court where the judgement is filed does n't exist because I tried calling it to verify this information. Every thing about New Century and XXXX action does n't feels right. 

Therefore I am going to follow up with legal counsel about this matter concerning my legal right sue. Beside I am on XXXX with a fix income how would I be able to afford these outrages fees that these firm are forcing on me.

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 2023-01-03
Company: EQUIFAX, INC.
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:
Credit account was opened without my knowledge. I have tried to dispute multiple times but went nowhere. Im very frustrated because it seems all my disputes are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wells fargo constantly makes me change my password login which makes it difficult to login to pay my loan, they also misapply my payments, I've paid a lot more on this loan than they try to give me credit for. I missed my payday by 2 days and now they want me to pay them {$27000.00} in one lump sum or they say they'll repossess my vehicle.

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 2023-01-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Recurrent overdraft fees

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