BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-29
Company: CITIBANK, N.A.
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold interest checking account on XXXX XXXX 2016 after getting an offer via email to receive XXXX AAdvantage miles after fulfilling certain terms. I also saw the same offer at the Citigold website at the time so I knew the offer was legit. I fulfilled all their terms by XXXX XXXX, 2016 and I inquired via secured message on when I can expect my reward to post. I got a reply from XXXX XXXX XXXX that I qualify for the promotional offer and have also fulfilled the terms and conditions and will just have to wait until XX/XX/XXXX for my rewards to post. I sent a follow up secure message on XX/XX/XXXX and received reply on XXXX XXXX from XXXX XXXX that I will not get my reward even if I fulfilled the requirements unless I can show proof that I was targeted to get the promotional offer. I called immediately, talked to representative XXXX, and told him about the message I got from XXXX XXXX that made me confident about getting my reward. I did n't bother to save the email offer because of the assurance I received from XXXX XXXX. I had the impression that she verified that I was indeed on their target list of clients since I have Citi credit cards. The message XXXX XXXX XXXX gave me was very disappointing to say the least. I do n't know if I can trust whatever the representatives tell me in matters like this.

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I hope you are now working on clearing up those inaccuracies on my report. I sent you a letter regarding the negative items on my report on XX/XX/2021, but I am not getting a response from you. I am trying to fix things so I can purchase new house but you're negligence in reporting are affecting me a lot. i will be waiting for your response.

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 2021-08-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Inquiries not mine, and they belong to someone else. Possible fraud. Disputed with Equifax and they refuse to investigage and remove inquiries. 

XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Mortgage XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
i just received my credit report and noticed unauthorized items that shouldnt be on my credit profile. These have been tough times during this covid 19 pandemic. Im in need of assistance

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 2021-08-31
Company: ClearPath Lending
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XX/XX/2021 Complaint Against : XXXX : XXXX XXXX and XXXX Application ( fake number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/2021 I had asked this company to STOP harassing me. NO means NO I haven't solicited this junk misleading mail, nor I want to do any business with his misleading letters and company. 
This company has target me as per many others veterans. Based on the Consumer Financial Protection Bureau, which issued a consent order against ClearPath Lending , Inc. ( ClearPath. Please read the below statement.

Now Im receiving an misleading envelop, hard to tell where it does come The he envelop stamp reads Presorted Standard US POSTAGE Paid XXXX NJ Permit # XXXX, A misleading a very confused misleading letter with a title RE : Veterans Administration Loan using my name and home address for marketing.

ClearPath sent numerous numerous advertisements for VA-guaranteed mortgages that, among other things, misrepresented the credit terms of the advertised mortgage senior citizens and veterans are being mislead with this type of letters. This company its obtaining my personal information and misused it for marketing. I had ask not to contact me. No I do not want any contact with this misleading envelops advertisements. Why we veterans are being target for this institutions. 

Do not contact me, do not use my name, do not intent to misleading me please, I'm a senior citizen, a United States veteran and a XXXX  you are causing me XXXX  XXXX  being continuously harassed by this companies who are not 100 % honest. 

STOP, remove my name from any branch, any marketing company that do business with this company. 
I will never do any business with a fake misleading company, Please look at this misleading confusing letter, Desire solution : Please do not use my mane and home address for soliciting / junk mail / not requested marketing. Please Stop ( second request - XXXX, 2021 ) Do not contact me. Im not interested on your business. Remove my name and personal information from your database any other data based that your company submitted y information and your marketing companies.

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 2021-08-31
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Last fall I began working with CitiMortgage to modify my existing mortgage so that I could re-occupy my home. I surrendered the property to them XX/XX/XXXX when I moved to Arizona and knew I could not afford to keep the home at its current monthly payment of $ XXXX/mth. I had tried to sell the home before moving but did not have an offer. When I moved back to Massachusetts XX/XX/XXXX I rented an apartment that I could afford at $ XXXX/mth, and began trying to work with CitiMortgage again, since the home remained vacant. I sent a letter of hardship explaining that a divorce, my job as a XXXX, being a single mother, and an eventual bankruptcy caused financial hardship but that I wanted to keep the home if possible. After many months of providing paperwork, CitiMortgage offered me a modification that was higher than I had previously been paying, at $ XXXX/mth. They said the amount was more due to a lack of escrow, interest and owed payments. I told them I could n't accept the offer, since it was actually more than I had been paying before and this did not help my financial hardship in any way. I am still interested in keeping this home and it remains unoccupied.

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 2017-02-23
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XX/XX/XXXX I was going through some records and came across a fraudulent charge on one of my cards dated XX/XX/XXXX. I brought it to the attention of us bank and they told me they would issue me a credit on my card for the full amount of XXXX. After waiting several months with no credit I called back in and they told me that they now were not going to issue me credit because too much time had passed. It is my understanding that I have zero fraud liability and there is no timeframe associated with that. The us bank rep told me it was company policy to deny claims after a certain timeframe.

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 2017-01-18
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage due to medical issues in XXXX XXXX. I hired an attorney to help me submit an application for assistance with my lender US Bank. My attorney submitted my complete financial package on XXXX XXXX, XXXX. US Bank sent me a letter dated XXXX XXXX, XXXX, confirming my complete application was received. My attorney has been contacting US Bank since then and they now say there is no review open and they have no status of my review. According to my attorney, RESPA Reg X requires my lender, US Bank, to give me a decision in 30 days after receiving my complete application. Today is XXXX XXXX, XXXX and It has been 45 days since my application was confirmed complete. I have no review open and I am getting closer and closer to a foreclosure.

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 2017-01-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX, 2017, To whom it may concern, I am writing to dispute the information on my public record. This information does not pertain to me, it is inaccurate. The information below must be removed from my credit report as soon as possible. Thank you for your attention in this matter. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax : XXXX. Public Records This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. They can be contacted at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Bankruptcies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: WI
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 called the credit bureaus a few months ago because there were multiple accounts showing inconsistencies and multiple inaccuracies between all three bureaus. Phone rep advised me to send in a dispute letter included in that letter would be my id, ss #, and utilty bill proving my identity and address. Til this day the same inaccuracies are still showing on my credit report. Please help *****everything was mailed certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My update to closed complaint XXXX, Experian request authorization for CFPB to begin an investigation. See my enclosed attachment that was mailed on XX/XX/2021 ( USPS Certification # XXXX XXXX request to allow CFPB to perform this and any future investigations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
i obtained an XXXX XXXX Citibank credit card XX/XX/2015. A small charge of about XXXX dollars went on the card in XX/XX/XXXX, I never received the XX/XX/XXXX statement so no payment was made. When the next statement came it had penalty and interest so i called to find out why and discovered the missing statement, I paid that day the total bill plus an extra {$200.00} so that there would be no more interest. On the next statement there is still an interest charge, called and company rep acknowledged the extra payment but said still assessed interest because they charge interest until the next statement even when there is a credit on the account. Refuse to do anything about the charge. I think this is an abusive practice. For a missed payment of about {$20.00} where I never got the statement I have already paid {$22.00} in fees and {$35.00} in interest, then on an over paid account more interest is charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender. I have requested documents for a loan modification in an effort to assume the loan and they said that there is not enough time to process my request.

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 2016-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
1 YEAR AND 3 MONTHS TO DENY MY LOAN?? This is just wrong. Something has to be done about this. How can your department allow a bank to get away with this? It was only the first step and now my loan has tripled. 

BofA delayed a decision on the first step of my mortgage loan approval for 1 year. My current assigned representative, XXXX XXXX just abandoned me after a 1 year a 3 month runaround. 

I applied to restructure my HELOC loan OVER ONE YEAR AGO. BofA waits over ONE YEAR to finalize the first step in a loan process, only to deny my restructure then fails to explain why. 
They knew of my XX/XX/2015 deadline. I supplied the final paper work a month ago after going back in forth for over 1 year. BofA waits until after XX/XX/XXXX and XX/XX/XXXX to send me a denial letter. 
For over 1 year, BofA kept requesting never ending additional information. Each and every time I supplied them this info, they allowed weeks to go by and then only requested more info. 

For the extension program they say I do not meet eligibility rules but will not explain why I did not meet them. For example ; BofA recommended I apply for a 40 year term loan. Now they have just denied because it is, either more or less then their requirements. They will not tell me which. Is it more or less? Do I have to much debt or not enough? 

They have changed my assigned manager at least 4 times. 

They provided me numbers to reach them with no extensions, disallowing me to reach them. 
I have sent them an entire tax return only to be requested another years tax return as they have taken so long to process this. 

Much information I have sent or faxed was re-requested again. 


B OF A HAS NOT MADE 1 ATTEMPT TO HELP ME WITH MY LOAN. NO ONE WILL HELP. 
Enclosed document will show BofA states " We are here to help ''. 

I should qualify for the restructure of the loan. There is no reason I should not qualify.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 believe trans union has done a dark pattern on my credit report also my information was shared with third parties without my consent some of the inquiries on my report should not be there they are either closes or was part of a bankruptcy etc

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 2016-07-05
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 I applied for a Citigold Checking account and entered in a promotional code for XXXX XXXX XXXX rewards miles. In order to receive those points I had to meet certain requirements after opening the account. I met those requirements, as Citi has acknowledged, but Citi has refused to award me the points I have earned. They claim that I was never targeted for the promotion. Our correspondence began on XXXX XXXX and to this day they continue to deny me. 

Via secure message on XXXX XXXX ( after multiple messages ), Citi stated, " After reviewing your account, I can confirm you entered a promotion code when you opened your account and have completed the requirements for that specific promotion ; however you were not targeted for the promotion in question. 

The terms and conditions are listed on the offer sent to those targeted clients in which it states : -Enrollment in this promotion does not guarantee eligibility -All accounts subject to approval and applicable terms and fees. 
-To qualify you must be targeted -This offer is only available to Citi credit card members who receive this communication. 
-To be eligible for this limited-time offer, you must not have had a consumer checking account with Citibank in the past. '' I replied that those were not the terms presented to me when I applied for the Account and the corresponding promotion. The terms presented to me, which I have photographic evidence of, stated, " This offer is available to Citi / AAdvantage credit cardmembers who receive this communication ''. 

Their reply, " Recently, you contacted us regarding your account and whether your account qualified for an AAdvantage Miles promotional offer. We appreciate your patience while waiting for our response. 

Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' As shown, I met Citi 's requirements for the promotion by receiving the communication and I was eligible by receiving the communication in question. I was adhering to their own terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while still charging me a fee for maintaining their Citigold 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 non-monetary relief
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: TX
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:
My personal information is listed wrong and needs correcting. I sent a USPS certified letter # XXXX on XX/XX/2021, that was delivered to Experian on XX/XX/2021. As of today, my name is misspelled and my current address needs updating with the deletion of past addresses. ( See enclosed letter )

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 2016-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Issue: Privacy

Complaint:
I received a form letter from Bank of America at the end of XXXX, XXXX demanding for an information profile update. The letter and forms are attached. I called BOA immediately and was informed that if I did n't comply it would interrupt my services. I stated the only reason I have this credit card ( which I have had since XXXX ) was for charging items, etc. and did n't use any other BOA services. And that I paid my charges in full every month. 
Today, XXXX XXXX, I tried to use the card and it was denied. When I called BOA to ask why, they informed me that the XXXX required me to furnish BOA with a physical address at which I receive no mail. When I looked at the XXXX XXXX of XXXX it stated this information was required for new accounts. And that some banks would sell this personal information. I went to my own bank and they said they had never heard of asking a long time customer for this type of information. To me this is an invasion of my privacy.

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