BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is concerning Citibank. We've had a credit card with them for years, they were fine. Recently we got an offer from them to open a checking account. If we were to put {$50000.00} in for XXXXdays, they would give a {$700.00} at the end of that period. 

On XX/XX/21 I opened account. I funded it on XX/XX/21 with {$50000.00} from a savings account ( XXXX horizon bank ) where the money had been held for years. That sum of money came from selling a house that was inherited when my mother died. We also deposited {$44.00} ( XX/XX/21 ) from another checking account, just to have it be enough over $ 50k, just in case, because the full XXXX had to stay for XXXX days. 

On XX/XX/21, we mobile deposited a check for {$850.00}. This check is payment from the other inherited house, in Texas, which we are owner financing for my mothers former tenants. We have been accepting payment from them for years, and my mother had them as tenants for years longer, and we never had a bad check from them. 
Citibank claims this check is bad, which isn't true, we've spoken to the tenants, they can prove it. Citibank decided to then block the account and say they are closing it, saying they will mail something, but this isnt good enough. 
We don't have a Citibank branch here, they say they would release it at one but it's XXXX hours away. I ca n't drive XXXX hrs each way to find out they are lying. 
They also plan to steal the {$850.00}, because the tenants have not received it back yet. I can not even look at my account they have removed all access to it, as if it doesn't exist. I consider the {$700.00} theft also as we would have earned it had they not tried to rip us off and steal from us. 
We desperately need this resolved fast. We are buying a family home here in XXXX Tennessee, and will be closing on the house in XXXX days. We can't have money tied up, God knows where, hoping they mail it to us and HOPING it actually reaches us since we will be moving to a new residence. 
They need to unlock our account so that we can transfer it back to our previous bank, safely, and leave the account open until it clears. We had {$50000.00} sitting in that account that they have stolen, plus they really owe us the {$700.00} bonus also, but I'm willing to let the bonus offer go, just want MY money back safe and sound.

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 2016-08-09
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had an outstanding medical debt with a local hospital. I did n't pay it off in time and it went to a debt collector. They proceeded to file a debt collection lawsuit against me however they misspelled my name wrong in the court documents and then they said they served me however I have proof via my gps watch that I was n't near the place they served me. They stated I owed over {$1400.00} to them however the legal documents only state they are trying to collect {$600.00}. I am disputing the fact that I owe more then the {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: WALL STREET MORTGAGE BANKERS
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan originator XXXX XXXX XXXX # XXXX had a deceptive advertisement on page 17 of the XXXX XXXX on XX/XX/18 and possibly other dates. According to the NMLS consumer access page, XXXX XXXX has an NMLS number attached to " Wall Street Mortgage Bankers, Ltd ''. This company is not mentioned anywhere in the advertisement. According to the NMLS consumer access page, Wall Street Mortgage Bankers Ltd. has no DBA 's associated with it. In the advertisement, XXXX XXXX was advertising rates which are no longer available at the quoted APR. The quoted rates have not been available at the quoted APR for some time now. The ad quoted a Fannie Mae 15 year fixed at 3.25 % rate and 3.637 % APR at a time when the industry average 15 year fixed is circa 4 % rate at par. The ad quoted a Fannie Mae 30 year fixed at 3.75 % rate and 3.969 % APR at a time when the average 30 year fixed rate is 4.5 % at par. The example scenario for these rates did not include a loan amount and only stipulated " Min 20 % down ''. Directly underneath said rates was text stating " CONDOS, CO-OPS ... .ALL GOOD! ". This is misleading again because Fannie Mae has rate add-ons for condo and coop loans at loan to values higher than 70 %, so even if the rate quoted were available ( which they are not ) those rates and APR 's would not have been available on a condo or coop at the cited 80 % financing. The deceptive and misleading advertising from XXXX XXXX should cease immediately. The public deserves accurate information about current mortgage rates

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 2021-11-24
Company: Central Portfolio Control Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/XXXX an alleged creditor by the name CENTAL PORTFOLIO CONTRO is reporting an account on my consumer XXXX credit report in the alleged amount of {$2200.00}. XXXX was in receipt of dispute letter on XX/XX/XXXX @ XXXX EST. There is an alleged original creditor listed as XXXX COMPANIES. Which makes CEBTRAL PORTFOLIO CONTRO a third-party debt collector. This account is not mine nor is any alleged debt mine, nor do I have any contract to do business with CENTRAL PORTFOLIO CONTRO. I have written a certified mail letter to XXXX and the CFO for XXXX to verify the accuracy of the alleged account and alleged debt dated XX/XX/XXXX titled " Notice of Dispute Demand for Validation and Proof of Claim ''. As of XX/XX/XXXX XXXX has failed to provide consumer with any accurate validation in writing pursuant to the Fair Credit Reporting Act, XXXX XXXX. XXXX, I expressed my right to demand that XXXX disclose to me all of the documents they have recorded and retained in consumer 's file at the time of request concerning the alleged account that XXXX is reporting on my credit report. XXXX can not just reply in writing stating that XXXX has verified any alleged accounts without providing the supporting full disclosure documents of how XXXX has verified any alleged accounts or any alleged debts. I have not seen nor received any documents to support CENTRAL PORTFOLIO CONTRO claims, nor any documentation from XXXX for them to be reporting this alleged debt on consumer 's credit profile, which has violated and damaged consumer 's credit worthiness dropping score XXXX points. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because XXXX was unable to provide the necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: DC
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:
In accordance with the Fair Credit Reporting act, the lists of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Acct # XXXX 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 acoount without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello I currently have a mortgage with U.S. Bank Home Mortgage. In XX/XX/XXXX my wife and I decided to do short sale on our property so we hired an attorney to handle the process. While we were going through the process my wife became very ill and was diagnosed with a life threatening illness, so bad that we did n't think she was gon na make it out of the hospital. Not knowing what the outcome was gon na be I asked our lawyer to look into a mortgage modification. U.S. Bank agreed and we began that process i submitted all documents and verifications that they asked for. I got started on the trial period payments, made 2 and the third was n't accepted. After some communications with U.S. Bank I did n't like the way my lawyer had been dealing with them so I decided that it would be better served handling it myself. So I began the process all over again on my own, submitting all documents and verifications myself and waiting and waiting. So ever since I started the process myself its been very limited communications. When I would call I would be told that it was still under consideration and I would hear something soon. Finally XX/XX/XXXX I get something from them and its a notice of intent to foreclose. I contacted XXXX and they began working my case in XX/XX/XXXX of last year. Every time I 've spoken with U.S. Bank since then I 'm being told that they have n't recieved anything from XXXX even though I 've sent all of the documents and XXXX has the same contact information that i have. I 'm not asking them to lower my payments, my wife and I went through a terrible medical ordeal that we are still dealing with, but now that she 's better we only want to move the back payments to the end of the loan and get started fresh.

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 2017-02-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Can not receive free credit report online from Experian through XXXX. For at least two years, anytime I try I get this message : " We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. '' I do not have any trouble getting the free credit report from XXXX or 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 2016-10-18
Company: AFNI INC.
State: GA
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:
I have continuously contacted the debt collector who refuses my dispute of the validation of this debt. The representative could not provide me with validation as requested, other than a copy of a bill. I have continuously advised the collection agency that this debt does not belong to me, and request that the following debt be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N accordance with the Fair Credit Reporting Act XXXX  XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: SYNCHRONY FINANCIAL
State: GA
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:
On XXXX XXXX I received a notice from XXXX Synchrony Bank stating that they would be submitting an electronic request to have a fraudulent inquiry generated by the the credit application deleted from my personal credit file that I did not authorize. XXXX Bank has yet to remove this inquiry from my Consumer 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 2021-11-24
Company: EQUIFAX, INC.
State: VA
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:
My request for the correction and removal of the inaccurate information about my accounts has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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. Here is the list of the following account that needs to remove Completely from my Credit Report. 
XXXX XXXX XXXX {$0.00} TXXXX XXXX {$600.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXY ( Original Creditor : XXXX XXXX UNIVERSITY ) XXXX {$7400.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX {$700.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: TN
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:
Even after I contested the listed things multiple times, my credit file has not been repaired. Two additional bureaus completed their investigations and eliminated the issues I mentioned. My report comprises accounts that are the consequence of identity theft, as I've already said. Immediately remove and delete the mentioned things.

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 2022-05-06
Company: EQUIFAX, INC.
State: PA
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 recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: AL
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX creditor : 01 XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX Original creditor : XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. Received a notice from Convergent Outsourcing regarding an amount owed to Florida Power and Light of {$760.00}. 
XXXX. XXXX XXXX called Convergent on XX/XX/2021 to explain that they had the wrong person ; that we have never had an account with Florida XXXXower and Light, and that they should be going after the right individual. 
XXXX. XXXX XXXX asked the representative for the social security number of the individual to see if it matched XXXX XXXX XXXX social. 
XXXX. The rep would not supply any of the numbers for confirmation and insisted we supply the social security number of XXXX XXXX. 
XXXX. XXXX XXXX would not supply since we did not know who we were talking to and what would happen to this information. 
XXXX. XXXX said the call was over since I would not supply the info SHE wanted. 
XXXX. So no resolution to the problem. 
XXXX. Tried to call Florida Power and Light, but met with frustration as they had no real person to speak to, even though this was obvious fraud.

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 2021-11-24
Company: EQUIFAX, INC.
State: VA
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 and I am submitting this complaint myself and there is no third party involved. I sent a complaint letter to Equifax Credit Bureau Last time, and I have not received any response up to this date. On the other hand, the inaccuracies about my Inquiry are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : AA/CBNA Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights including Equifax. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Hello, I am an XXXX XXXX member and due to the hacking incident several months ago, I added a fraud alert. Now, I am moving and need to open a utility account with XXXX & XXXX for electricity. However, the utility company will not allow me to open an account with out a large deposit because they tell me that Experian does not allow it. I have researched this issue online for hours. I called Experian 's XXXX XXXX numbers and went thru every option on the menu and can not get a live person to help me figure this out. I called their sales department hoping that they can refer me to a phone number or a person to help me and they told me if I do n't have an account ( and pay Experian ) I wo n't be able to talk to anyone. I have exhausted all options and 3 weeks. Please advise. Thank you so much for your help. You are the only reason that these large companies respond to people like me. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance mortgage at Rocket Mortgage XXXX/XXXX/2021. After speaking to a representative I was advised to fax bank statements and income documents. I told them taht it was too many documents to fax. I was given a street address to send the documents now they can not find them. I sent the documents via XXXX and they were received by Rocket Mortgage. XXXX/XXXX/2021.

Company response to consumer: Closed with explanation