BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello CFPB, After applying for a home loan refinance, I discovered that my current HELOC with Citibank Account # XXXX was not being reported correctly to the credit bureaus. Citi reported the loan with a XXXX outstanding balance. This is not the case as the attached statement will attest. Due to this error in credit reporting, my refinance mortgage company can not submit the loan package to underwriting and the loan is currently at a stand still and due to time constraints I am in danger of losing my loan rate lock. To move forward with the loan they requested a letter from Citi stating the following : " To fix your credit here are the items we need in a letter from Citibank : - State that the reported {$0.00} balance is an error - State the current loan balance amount - State that the loan has been paid every month as agreed for the last 12 months - State that there are No Disputes associated with the loan ( if it is still in dispute in their system tell them that you are no longer disputing anything ) - Include the loan number and name of the borrowers '' I contacted Citibank on XXXX/XXXX/2016 and spoke with customer service rep XXXX, explained the situation and requested the letter with the above statements. He opened a support case # XXXX, said it would take XXXX5 business days to receive the letter. 
I called Citi back XXXX and was informed that my case was closed, and that they could not produce any letter and offered no help to resolve the incorrect credit reporting error.

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 2022-07-26
Company: OneMain Finance Corporation
State: PA
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:
Someone fraudulently applied for credit using my information. This is reflecting as a hard inquiry on my credit report and effecting negatively on my credit report. Ive called the company multiple times and they have not resolved or returned any of my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was issued a Chase Southwest credit card. Four fraudulent withdrawals from ATMs after my wallet was stolen from a golf course. After I submitted the requested police reports the fraud department denied my claim. They have so far refused to explain why or offer an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft CAPITAL ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: SC
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:
Disputed inaccurate information concerning late payments, accounts that were not mine and unauthorized 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 non-monetary relief
Consumer complaint received 2015-08-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
Re : Exxon/Mobil gas credit card - credit price vs. cash price. 
Previously, when I have used our business gas card my regular Mobil station ( s ) has applied the lower, cash price, to the gas card transaction. On XXXX/XXXX/15, while at an unfamiliar Mobil station, I was charged the higher, credit price, for my gas card transaction. 
This seems to be, at some level, a bit of consumer information fraud. The lack of consistency is XXXX thing, the failure to disclose to the consumer is yet the large issue. The consumer has no way of knowing the amount he/she will be charged ( cash or credit price ) when using their Exxon/Mobil gas credit card until starting the actual transaction. 

I 'm surprised this has not become a class-action lawsuit yet. 
Thank you for investigating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have contacted XXXX XXXX and Citi Bank to request that I no longer receive credit card offers, and continue to receive an offer almost every month. Attached is the email conversation I had with XXXX over a year ago, I have returned information to Cit Bank numerous times without any success stopping the offers. Cit lists a phone number to apply for the card, but none for stopping offers. I have registered with pre-screen opt-out.

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 2022-08-17
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was robbed of XXXX $ I was called telling me my XXXX had been hacked and I owed {$300.00} so I gave the Zelle man my account info and he robbed me of {$300.00} no XXXX called me after I reported it and said they did not call me. I do not remember the guys name or phone number and my account is locked. Then I received a call from Zelle saying they were going to return my money if I have them my new account info. He said I needed to send money to XXXX at XXXX and I did and he took out {$290.00} I am out {$600.00} and my band said I will not return a refund from Zelle. I am broke now and cant pay my rent. I cant believe my bank wont help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased an American Express Serve card on XX/XX/2019 in the amount of {$20.00} plus the {$2.00} fee the packaging stated that there was no monthly fee however my card was charged a monthly fee {$7.00} on XX/XX/2019. I called the company only to be lied to and hung up on. I then did my own research on their website and it stated under my cards fee chart that the monthly fee would not be charged until 30 days AFTER purchase. Now as I stated above they took my money prematurely. I purchased the card on XX/XX/2019 and they took my money on XX/XX/2019. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I tried to cash a check from XXXX drawn a Chase bank account a a Chase bank branch in XXXX, CA. The clerk first said there will be a {$10.00} charge and then said he couldn't cash the check because XXXX would not allow the branches to cash Checks. I have never heard of this I thought if a check was drawn on a bank they had to cash it. I contacted XXXX and they caimed the bank was in error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company has never sent an itemized invoice to collect a payment. I've reached out to the company a few times no one returns my calls. I have never taken out any loan or dealt with this company for a financial reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a charge on my account that was disputed. It was found in my favor. The credit card company issued a refund and I closed the account with a credit owed me for over payment. The sent the check to me account closed. A month later they started calling saying I owe the money after they credited my account. I do not owe the money and the call several times a day at all hours of the night. I had told them to cease and desist numerous times to no avail. They are harassing me and threatening me. I am XXXX XXXX XXXX and afraid Thanks.

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 2015-05-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
At the end of XX/XX/XXXX I contacted Citicard about an offer to spend {$1000.00} in XXXX months and receive a {$150.00} XXXX gift card. I needed to purchase a laptop. I remember speaking with a gentleman at that time who confirmed the above information which I had found online. He sent me a card in the mail - last XXXX numbers XXXX. I made my XXXX purchase on XX/XX/XXXX A few weeks later I contacted the company about a new card because I could n't find mine. They cancelled the above card and sent me a new XXXX - last XXXX numbers XXXX. Today, XX/XX/XXXX, I contacted the company about receiving my {$150.00} XXXX gift card. I have made around {$1200.00} in purchases to date. The woman I spoke with told me that I had not made my purchases within the allotted amount of time. Of course I disagreed with her stating that I should have till at least the middle of XXXX. She then told me that I had opened this card at the end of XX/XX/XXXX After speaking with a number of reps. including XXXX managers, I 'm being told that I opened a card at the end of XXXX ( XXXX I do n't remember opening ) and that the guy I spoke with at the end of XXXX cancelled out that old card and pre-dated the XXXX card to that date which only left me a few weeks to charge the {$1000.00} in order to get the {$150.00} XXXX gift card. He never mentioned any of this to me in fact he lied to me when he told me I had XXXX months. Even if I had opened a card, which I really question the legitimacy of that claim, he should have said something. My recent conversations with customer service confirmed to me that this old card had never been activated and no charges had been put on it. Regardless of how I 've tried to explain the issue I received no help. They continue to refuse to honor the offer and reward me with the {$150.00} gift card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: MCCUE MORTGAGE COMPANY, THE
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi! My mortgage company gave me a coupon book with what I owe to them, that is a different price than what I owe. I payed the amount on the coupon book and they are now stating that it is delinquent and will refuse to confirm that it will not go against my credit score. They have also made countless error in the past with my mortgage, including applying my mortgage to another person 's account last year. I would like assistance in resolving this. XXXX. XXXX XXXX XXXX XXXX McCue Mortgage

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: National Credit Systems,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:
The collection account from National Credit Systems with amount of {$290.00} on my XXXX  credit report does not belong to me. Verified via multiple sources, it rather belongs to a person with same last name, similar first name, different date of birth and social security number, who happened to have lived in the same apartment community as I did. 

I disputed this account at XXXX  but they listed this person 's name and address as one of mine and indicated this collection is " verified as accurate '' as the result of this dispute. 

I also tried to contact National Credit Systems. I don't have any account on their record but they refused to offer any help correcting the false report, instead their customer representatives tried multiple times to trick or mislead me to admit I owe the money and make a payment. 

Attached proof from the original creditor showing me having XXXX balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore has referred my home for foreclosure my loan was securitized and place in a trust where XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the alleged trust. The assignment are fraudulent and robo sigend and they were conveyed after the cutoff date of the loan trust, they have refused to work a modification on my loan, i dispute the said balance and i do not believe that Rushmore or the trust name herein are the rightful party of interest in this matter. I have removed the power attorney from the borrowers waive of rights in XXXX XXXX records and Rushmore/ XXXX Trust do not have permission to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Addresses XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX  AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I purchase a vehicle from Santander USA back in 2015 for XXXX which total to around XXXX I still owe almost XXXX seven years later my payments are XXXX a month my credit score was XXXX when I got the loan I needed this vehicle for work even tho I knew the payments were high I still needed transportation over the years i made a total of 11 late payments which over the 6 or 7 years Im aware of the class action lawsuit with Santander I wrote to this company trying to get the late payments removed and they keep saying verified I feeling need to have some if not all removed Santander is destroying my credit with the late ayments that they are currently reporting I need help in this matter my payments have been current and on time please help thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My house was destroyed by a Tornado in XXXX, Ill on XXXX XXXX, 2015. Everybody involved has been great with the standard exception of Citi Finance. My insurance Company, XXXX XXXX issued me a check to begin the reconstruction of the house and since I still had a Mortgage it was issued in the mortgage company 's name also. Not being familiar with this process and not having any trust in the mortgage co. I wanted to know what the procedure was and why they had to have control of rebuilding my house. Which I still believe is none of their business as long as the property value exceeds the value of the old property. I went to their office in XXXX XXXX, Ill and talked to the Center Manager, XXXX XXXX. He called the office that was to handle the money. The name of the dept is Citi Escrow services Lost Draft Dept. He informed me that they would send me information after receipt of the check in the mail. And that further they would distribute the funds afterwards as needed. Well Now I am told that Contractors have to fill out documents and then a dispersal will be done at XXXX increments over the span of reconstruction. This is not what was explained to me. They lied just to gain access to the funds and are now telling me that is the procedure period. I have a house I need to demo. It is a hazard and has been sitting there since the XXXX and they could care. This company has a habit of enticing you into any situation they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax is still reporting an account they have yet to validate. I previously disputed the validity of the reporting by XXXX XXXX and requested documentation used to verify this account and received nothing from Equifax or the creditor. XXXX  and XXXX  were not able to verify the debt either so It was deleted about a year ago, yet I find it disturbing Equifax is still reporting false information. Equifax also has failed to update my reports and score in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was divorced in XXXX. I was awarded the home property. I was told I would need to send a Quit Claim Deed and Divorce Decree pages showing that I was awarded the home. I sent both of those over in XXXX of XXXX. I did not receive new documents for the loan modification to add missed payments to the back end of my loan totaling {$16000.00}. I reached back out to Freedom Mortgage again and was told that the documents weren't sufficient. NO CALLS FROM FREEDOM MORTGAGE! I had to reach out to them every time... They deemed them unreadable. I sent the documents via fax again. I finally received documents from Freedom Mortgage with my ex-husband still on the loan in XXXX. I contacted Freedom Mortgage and asked why I had received documents with both of our names and the response was that it was a mistake ( meanwhile, I'm incurring compounding interest charges on the forbearance that had come due and my account was put in " early foreclosure '' ). I asked for the correct documents, resent my documents a third time after retaining an attorney. I was told that I would receive the documents around the first week in XXXX. When I received the documents, they were the same as they were before except a higher interest rate for my modification because the FED just raised rates. AND, I am going to have a higher monthly payment than I had before. Talk about a bait and switch! This mortgage company is costing me thousands of dollars. Especially important to note that this a FHA loan. It is a federal loan. So they are scamming me while scamming the government by forcing people into unnecessary modifications due to their failures. 

My credit has been totally destroyed while all of this has been taking place. I have lost opportunities for my business because of my credit situation due to COVID Forbearance. I had to start a new job in a completely new industry because I was shut down. 

It is now XX/XX/XXXX and I still have not received the correct documents for my loan modification. I have spoken to representatives at Freedom Mortgage at least 4-5 times since I received the latest incorrect documents on XX/XX/XXXX. Each time, I was told that Underwriting or " this needs to be escalated '' and nothing ever happens. Meanwhile, I am required to make a payment on a loan modification that I have no written terms, no documents, NO DISCLOSURES and no real progress on. 

I was told today that this situation is on a supervisor 's radar but that documents may need to be submitted again. And, that I may need to submit my full divorce papers which are PUBLIC RECORD and not really anyone 's business. 

I don't know where I can go from here but seeking an attorney seems to be the only option. This is a messy, unorganized, untruthful, shady and predatory situation.

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