BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citi XXXX Checking and Savings account on XX/XX/XXXX on the Citibank website because of a promotion offered by their website. The offer was to earn {$700.00} bonus if XXXX is deposited within XXXX days of opening the account and maintained for a minimum of XXXX  days. The bonus of {$700.00} would then be paid within XXXX days of that XXXX day from the initial deposit. The XXXX day would have been XX/XX/XXXX according to the first time i spoke with Citi customer support. {$50000.00} was deposited by XX/XX/XXXX and is still in the account today XX/XX/XXXX with no bonus paid. 
I contacted support again on XX/XX/XXXX via their app chat and they confirmed I qualified for the bonus and would receive it in the first week of XXXX. No bonus received, no contact from Citi. 
I called them on XX/XX/XXXX and spoke with a representative regarding my issue and she explained that she would open a ticket, but was unable to provide me with an ETA on the bonus and advised that I would be contacted within XXXX days. No ticket was opened. 
I contacted support again on XX/XX/XXXX via App chat and they confirmed I should have received the bonus by XX/XX/XXXX. He opened a ticket for me and provided follow up. 
Today XX/XX/XXXX, I received a notice from Citibank that I do not qualify for the bonus because the promo code linked to my account was for a promo period ending XX/XX/XXXX ... somehow XXXX months before I opened the account on Citi 's website.

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 2021-11-24
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports. 
XXXX XXXX {$7300.00} XXXX  XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$11000.00} XXXX XXXX {$16000.00} XXXX {$0.00} XXXX XXXX XXXX {$4400.00} XXXX FUNDING XXXX {$480.00} XXXX XXXX XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
EXPERIAN HAS XXXX XXXX INQS LISTED, THERE SHOULD ONLY BE XXXX DATED IN XXXX THEY WILL NOT REMOVE THE OTHER EXPERIAN WILL NOT REMOVE NAMES NO LONGER ASSOCIATED WITH ME SPECIFICALLY XXXX EXPERIAN WILL NOT UPDATE MY FRAUD NUMBER TO XXXX XXXX EXPERIAN WILL NOT REMOVE THE RBFCU FRAUD ACCOUNT EXPERIAN WILL NOT PROVIDE ME A COPY OF MY FULL FILE DISCLOSURE

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 2016-06-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is concerning XXXX XXXX XXXX, and XXXX XXXX XXXX of a debt totaling {$1600.00}. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. I proved to them that I was and is a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX XXXX validated the debt as mine, yet neither have provided any documentation legally linking me to the account. XXXX XXXX XXXX and XXXX XXXX XXXX seem to be unaware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', This complaint is also formal request that the bureaus ( XXXX EX XXXX ) and B of A provide the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 168li ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also request legal FCRA Validation of Debt What the money you say I owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show agreed to pay you XXXX XXXX what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this 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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX/XXXX  XXXX XXXX {$23000.00} This is a FCRA law violation. I was never late. 

XXXX/XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2016-04-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every 5 years the city re-analyzes the real estate value of the houses, which changes the real estate taxes owed. The taxes on our house ( XXXX XXXX XXXX ) went up significantly and thus the escrow account had a negative balance. On XXXX XXXX, 2016 my husband and I went into the Wells Fargo office and expressed concern that the mortgage had yet to be re-analyzed and requested that this be done. By this time we had paid off the negative balance in the escrow account but knew that the mortgage would change due to having to meet this higher real estate tax. They informed me that a mass re-analysis occurs in XX/XX/XXXX, and that the account was already scheduled to have that happen. I told them that I was n't sure how much the mortgage would be or how behind the escrow was because it had n't been analyzed yet, but that it was very important to us that it happen sooner rather than later. We currently have XXXX mortgages with Wells Fargo, XXXX mortgage has been re-analyzed twice since the new real estate tax once in XXXX and then again in XXXX. It is now XXXX XXXX, 2016 and when I go to Well Fargo online and check the escrow account it reflects no change to my monthly mortgage payment, I have been checking daily since XXXX XXXX, 2016 when the mass re-analysis was to occur. The website now indicates that a reanalysis would be done XX/XX/2016. I was promised that the account was scheduled to be analyzed. While I do n't agree with the practice of re-analyzing an account and not updating the consumer in writing regarding their new mortgage payment with potential options to mitigate that change, I am even more dismayed that Wells Fargo has simply put off doing an analysis, even with an explicit request from my husband and I. Every month that the mortgage is n't re-analyzed, the amount that needs to go into the escrow account becomes more behind, and the payment has to increase more to compensate. Waiting this far into the year causes the consumer undue hardship, our mortgage could increase by as much as {$400.00}, if Wells Fargo had done the mass re-analysis on XXXX XXXX the mortgage potentially only would have increased by {$200.00}. Every month that they fail to perform a re-analysis on the mortgage our payment increases by an additional {$50.00}. I am attaching a screen shot of the escrow account as it appears in my online account as of today XXXX/XXXX/2016 at XXXX EST.

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 2015-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I got this card for my wife and she was to pay the balance. She had lost her job and did not make me aware that there was a balance due on this account. Would like to have these removed from my credit report, the account is paid in full and in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: International Computer Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt in question was court ordered to be paid by my ex-wife, XXXX XXXX because she was the one living in the house, not me. I do not owe this debt, nor did I use any of the electricity I am being billed for. You may contact the XXXX XXXX Court house in XXXX Ohio to verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: TX
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 have been disputing inaccurate information on my credit report for a little over a XXXX now & the company who is reporting that I have a charge off is reporting inaccurate information so I know for a fact that the bureaus are continuing to leave this charge off on my credit without properly investigating this issue. XXXX XXXX XXXX is the creditor & has not provided me with any information or documentation showing that the account does in fact belong to me, if unable to provide concrete proof then they are supposed to delete this information from my file. The burden of proof is actually on them to prove it, not me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have authorized electronic/paperless delivery of all my monthly statements & bills for multiple accounts & have not incurred any problems with delivery other than Cap1/Cosco The membership renewal for Costco was sent to my spam folder in XX/XX/2015 which I do not monitor because I have not used the card to incur a balance since XX/XX/2015 due to prior issues with " their '' statement delivery. In XX/XX/2015 I was clearing my spam folder & noticed a Costco account alert e-mail. This was a renewal of which resulted in late charges & a credit report of a balance unpaid after 30 days, which in turn resulted in a XXXX point drop on my credit rating. Although the membership renewal was not paid since XX/XX/2015 I was still allowed use of the membership card for access & multiple purchases. My long standing credit file & payment history was recognized when I spoke with an account representative who said she would transfer me to a capitol one account representative who could further assist me in resolving my issue. The Cap/1 representative responded that it is their legal responsibility to report any balances due over 30 days to the credit reporting agencies & could not assist me any further. Although I can sense the outcome, I forge forward & recontact yet another Costco account representative who also recognizes my excellent credit history & is willing to wave the {$1.00}? balance due so that my account would be paid in full .When I first became aware of the renewal e-mail I did proceed to pay in full with late charges & all {$120.00} ( XXXX/XXXX/15 ). I have no idea were a balance due of {$1.00} relates to nor did the representative ( today XXXX/XXXX/15 ). Nonetheless she was willing to wave the {$1.00}, as well as offer a credit for {$50.00}, but could not offer any resolve to the 30 day delinquency as reported. I can provide copies & dates of all as explained per request. In closing, after all these years I have managed to adapt to the inevitable changes that we experience & accept everyday, but I just do n't get it. With that being said I hereby request " your '' review & assistanceSincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX*Balance Owed : {$XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX****Balance Owed : {$XXXX} XXXX XXXX XXXX****Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XX/XX/2022 a person stole my mail from my mailbox. In the mail was a check from XXXX  to me. I know the check was in the mailbox because the XXXX send me an email everyday with the mail I am supposed to receive. The check was then cashed on XXXX XX/XX/2022 at a Wells Fargo Branch. The check was stolen, forged, and converted. That the thief was not entitled to enforce the check or receive payment and that Wells Fargo handled the check after the forgery without verifying the signature or confirming the identity of the person they paid. I filed a police report with the XXXX, Tx policy dept ( Case # XXXX ). The XXXX Police Dept subpeona Wells Fargo for information, but closed the case when XXXX  told them that they did not have video of the person cashing the check. XXXX refuses to reimburse my money to me, saying they are only allowed to talk to the XXXX Police. 

I am getting screwed! Can you help?

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 2021-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, Chase charged an annual fee of {$140.00} related to Southwest Rapid Rewards Priority Credit Card where primary benefits of card are related to air travel on Southwest airlines. In the vast majority and halfway thru XXXX, these benefits have effectively been useless as most including myself have chosen to abstain from air travel due to Covid. I have requested numerous times to please waive this fee for the year as the primary benefits were unusable. They have declined and I believe it unethical to charge for benefits that were mostly unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I received a letter from Experian dated XX/XX/2016 stated that " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again '' Report number XXXX Reason : The paid amount listed is not reporting correctly. I have sent letters directly to the Furnisher FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, I 'm asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you do n't investigate, then you are being non-compliant. 
2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 
These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 
I 'm carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation.

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 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I signed up for ebills for my Lowes Synchony Bank Credit card in XXXX of this year. I understood the arrangement to be that they would bill me electronically and my linked bank account would arrange and pay for the bill on a monthly basis. I understood the arrangement to include them to bill me the full amount on the monthly bill. Instead they billed the minimum. Therefore they have been charging me interest every month since then - a total of around {$300.00} at a whopping 27 %!. I should have caught this long before now and I attempted to offer a negotiation of {$150.00} as I believe their practice to be dishonest, misleading, deceitful and predatory. What is advertised as a service to simplify your life seems to really only be a ploy to charge interest. 
Upon discovering the issue last week I immediately paid off the principal and 50 % of the interest and this payment has cleared my bank. They did not accept my offer of a negotiation and therefore I'm filing this complaint formally. If they can prove that they informed me that the ebill would only be the minimum due I'll pay the entire interest amount. I would have never signed up for this deal had I understood the " deal '' as it turned out. I have excellent credit. This is about the principle of clear communication and honesty from the bank. The final bill ( XXXX ) is attached to show the total interest rate charged and the total interest billed in 2020.

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