BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: WA
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 entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. XXXX has not provided a document, with each loan number listed, showing the high credit limit matches the balance.

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 2017-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I went to make disputes on my credit report and Experian is refusing me access asking me to download postal mail in a form to have a postally mailed credit report sent to me so I can mail it back to them and dispute. They are making it difficult to be able to make disputes on my electronically received credit report I just got XXXX XXXX efforts and not removing errors that have been removed from other credit reporting companies. Effectively keeping my A+ credit looking very damaged at this own XXXX reporting company and its costing me a lot of money and time in many ways

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 2020-04-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I called into the wells fargo branch in XXXX, new jersey and asked about the {$300.00} business checking promo they have going on. His name is XXXX XXXX. We set up a time XXXX XX/XX/21 XXXX XXXX to set up my account in person. He created the account but never added the bonus. They're refusing to honor it. Even worse, they refuse to close the account for me unless i come into the branch. It took me an hour to open in person last time and i don't wan to go in there with the coronavirus getting worse and worse. Please help me get the XXXX checking bonus.

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 2020-02-29
Company: Lenderfi, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage on XX/XX/XXXX and the Lender has not contacted me and has not provided me with a Loan Estimate within the 3 business day requirement. 

I have left multiple messages and contacted them through their system and received not response from them. I have uploaded all the information they need for my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
In looking to purchase items from Bestbuy.com, I was offered 0 % financing immediately if signed up for a BestBuy credit card backed by Citibank. I filled out the application, called for verification, application was approved and I was told that I could check out online immediately and the goods would be shipped to me. I completed an order for {$3600.00}. Two days later, I was notified that I could not purchase the goods until I recieved my card in the mail. This was deceptive advertising meant to reel people in with a good financing deal, lying that it would apply immediately when in fact, I was told by Citibank that this was not possible. I 've since cancelled my card and my orders, but my credit has been perminantly impacted by the application process and am told I can not apply for another Citi-backed card for 6 months or a year. The losses include the actual interest on the products, as I no longer qualify for 24 months of 0 % financing, as promised online.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: TX
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:
I have disputed with Experian with unauthorized inquiries numerous times and they have ignored my concerns. I have asked them to delete these from my credit report and they have not. I have sent them an AFFIDAVIT OF FRAUDULENT INQUIRY on XX/XX/2022 and they have not sent me the paperwork I have requested nor deleted this from my credit report. These are the following companies I need off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I was approved for a Citi Premier Card on XX/XX/2015. On XX/XX/2015, the public offer on the signup bonus went up to XXXX points if you spend {$3000.00} in 90 days and I asked the Citi social media team to match me to that offer, which they kindly did. I got a letter shortly thereafter via US postal mail dated XX/XX/2015 ( I have provided the letter as an attachment ) stating " Your account is enrlled in the promotional offer to receive XXXX, XXXX bonus ThankYou Point ( s ) as long as you spend {$3000.00} by XX/XX/2015. Since the offer is XXXX if you spend {$3000.00} in 90 days, this made sense because I opened the account on XX/XX/2015 and 90 days is XX/XX/2015, just as the letter states. However, I called in yesterday XX/XX/2015 and was told completely different terms. I spoke to XXXX, Account Manager, ID number XXXX and she told me completely different terms than the letter Citi provided. She stated since I was matched to the offer on XX/XX/2015, all purchases prior to then do n't count towards the minimum spend but that I have until XX/XX/2015. This contradicts the terms provided to me in the letter from Citi. These new terms that XXXX told me are not listed in the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CBC Companies, Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, All of these cards are fraudulent and due to a data breach that involved my drivers license to be found and privately shared on the dark web. Credit card dropped due to this reason and now my identity is at risk of being stolen again. Please investigate and have these removed. XXXX  has also been involved and is fraudulent with Many transactions that were connected to an unknown device. XXXX XXXX XXXX has also been affected which was the provider that was providing service to the unknown device

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
From XX/XX/XXXX-XX/XX/XXXXI was on and off of work mainly due to illness and XXXX or just difficulty finding a job. I discussed these issues with Navient and they suggested forbearance or deferment. Every 3-6 months I would get an email that simply stated type y to extend your forbearance/deferment. I had absolutely no idea that interest would pile up and I would end up owing more - they made it sound like it was easy and no big deal. I have 2 loans. One started at XXXX and it is now at XXXX, the other is lower but I still owe over 160k and I went to school for XXXX XXXX! I am only paying about {$60.00} off the principal every month - I have no idea what to do - Im going to die with this loan. I discussed this with Navient and basically I was told I should have known better.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When it came time for payment it would say it had been paid for on my Navient account. After 7 days they would then try to take the money out. My account would have money in on day it said it was done and paid for. Then they would overdraw my account 7 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: COMMERCE BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I attempted to close my credit card with Commerce Bank on three separate occasions. The first time I tried online, received a notification on the screen that the account was closed, but it was still showing up 2 months later in my online banking page as active. The second time I tried over the phone, they claimed I could not close it because it had a pending charge. I asked to not let that charge go through, but they refused. The third time I went into the bank branch, with a family member as witness in XX/XX/XXXX, and closed both checking and credit card. I was assured the accounts were all closed and I had no cards or accounts with them. I continued to monitor my account, but 2 months after my online banking information was deleted as I had no accounts to watch. I then moved states a few months after that. I have received no contact from Commerce Bank. 

In XX/XX/XXXX, I received notice from the people that lived at my previous address that I had mail from Commerce. It ended up being a " missed payment '' notice. When I called the bank to inquire why this account was still actively being charged, they informed me that it had NEVER been closed and was still active. It was a fraudulent payment from XXXX in XX/XX/XXXX from California and is now on my credit report. This would not have been possible had they closed the account when they told me they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: MN
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:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: CITIBANK, N.A.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage was with CitiFinancial and Iwas never late on a payment. I refinanced with XXXX XXXX, who paid off my CitiFinancial mortgage on XXXX XXXX, 2015. CitiFinancial cashed the XXXX XXXX payoff check on XXXX XXXX, 2015. On that same day, XXXX XXXX, CitiFinancial took an additional mortgage payment from my bank account, an overpayment of over {$1600.00}. XXXX XXXX and I are attempting to resolve the overpayment with no success with customer service at the CitiFinancial XXXX office. The customer service representative is " XXXX. '' XXXX is not cooperative and crass. 
Today, XXXX XXXX, 2015, I received a CitiFinancial letter from XXXX XXXX XXXX, XXXX Center Manager. The letter begins : If the present delinquent condition of your account is not corrected, it could result in foreclosure and the eventual sale of your home to satisfy this debt. 
CitiFinancial is threatening to foreclosure on a customer who has never had a late payment, from whom they collected an overpayment, and they cashed the XXXX XXXX check closing the CitiFinancial account on XXXX XXXX. 
Your kind attention to this matter is greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
I have a Macy 's Credit Card, we recently purchased a mattress and chose the 12 month " no interest '' plan. The problem is that there is no option on the bill or on line payment, to pay the minimum balance due and allocate payment towards paying down the " special events '' balance. I have spoken to credit many times and they stated that the payment could be made if I talk to credit each time I make a payment and tell them how I wanted the payment allocated. Now it 's been 3 months in a row that I have done this and so far it has not happened, every payment has only paid down the revolving balance. No matter what I do they always take the total amount I send and only reduce my regular account and never put anything towards " special events '' balance. When the 12 months are up they are going to hit me with all the deferred interest. Never was I ever informed that in order for me to take advantage of the " 12 months no interest '' did I have to pay my revolving down to zero before my payments would be paying down my " special events '' balance. I spoke to the salesperson in the store and she had no idea that this situation existed. I think this is situation needs immediate attention and Macy 's should be held responsible for deceptive practices in credit offers. 
I have also encountered the fact that I can not enter my Macy 's account online. When I try to enter they say the information is invalid. They ask for name on card, birth date and last XXXX of SS #, an d when entered they say information does not match, this is indisputable information. Now I can even enter the Macy 's website to pay my bill. 
The credit department has been contacted and nothing has been accomplished except for the hours I 've spent on hold and talking to the XXXX. 
Please research this situation for bad credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
i believe this is the XXXX complaint here about this at and t card. XXXX after 20 years they refuse to credit me interest. so i barely use the card. now i bought a camera in best buy that DOES NOT WORK they refuse to take back i am being told i have to pay for. i am NOT paying for it nor should a credit card company tell me i should. i am not. so go to them for me after 20 years and get your money back. the lack of credit of interest and this speak volumes as to what i mean to you. nothing. XXXX refunded money for a broken phone they never responded on too. do the right thing. i will accept nothing else. refund me the money

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX for XXXX $ dollars been paid in full, refernce number XXXX none of the reporting agencies have removed it from or showed paid on my 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 explanation
Consumer complaint received 2020-04-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XX/XX/20 XXXX XXXX, after attempting to log on to my American Express Blue Bird Account, I recieved an email from XXXX, signed by " The Bluebird Team '' .The email stated " your Account privileges have been permantly suspended. " The Blue Bird Team '' would not allow me to email questions, to talk to customer service or communicate my horror of being cut off from my life savings, social security direct deposit, and all other very important financial tools.I am a XXXX vet, retired American citizen, payed taxes, worked all my life to accumulate approx {$65000.00} in this Account.I used account for more than 4 years.I have all XXXX proof of Social Securiy direct deposits, personal deposits and Blue email acknowlegement of all transactions.The Blue Bird Team stated in the email that I could " inquire further '' by writing to Blue Bird Customer Care, XXXX. XXXX  XXXX, XXXX, Ga.I sent requested inquiry by USPS registered mail on XX/XX/20 XXXX XXXX XXXX XXXX, the letter was recieved and signed for, confirmed by USPS Tracking.It is now XXXX desperately need my money, and am not getting any answers from American Express Bluebird. This situation is causing great financial harm, and emotional distress to myself, and other family dependent on me.I have been told that the United States Consumer Financial Protection Burea could help me with this critical issue.I am filing this complaint as a result, prior to consulting appropriate attorney and legal remedies.I am consenting to CFPB to publish this description on consumerfinance.gov, so that others can learn from my experiance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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: Account information incorrect

Complaint:
This is an invalid debt. I have made every effort to have this information corrected. However, XXXX XXXX XXXX XXXX refuses to acknowledge this error and has left it on my credit report, this has effected my life in a negative manor.

Company response to consumer: Closed with explanation