BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit card with Citicards, and initially had a payment due on XXXX XXXX. I made the payment at XXXX PST on XXXX XXXX, however as they state it was past XXXX ET ( even though I live in CA ), a late fee and finance charge was applied. 

I paid both of those and my balance in full on XXXX XXXX, and received a confirmation email stating the payment was applied on XXXX XXXX, my due date. 

For XXXX, Citi applied a finance fee on my account. I called on XXXX XXXX to dispute this charge, and when speaking with the customer service rep, I was told because my XXXX bill was paid on XXXX XXXX, I was applied a finance fee. I let the representative know that I have an email confirmation stating my payment was applied on the XXXX of XXXX, however due to delays in banks, it might not have posted until XXXX XXXX. The customer service rep was adamant I made a late payment, however he would work with his supervisor to see if the charge could be waived. 
The customer service rep ended up crediting the finance charge, however the excuse he used was since I 've been a customer for 19 years. The reasoning should be because I made my payment on time, as noted by the automated email supplied by Citicards. That is very suspect that they note a payment as paid on time, however apply finance fees to their customers, and I suspect this is being done to other customers unknowingly as well, and are illegal.

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 2015-06-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2015, a collector by the name of XXXX placed an adverse account on my Equifax credit report that I do not recognize. Since this account does not belong to me, I would like it deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
Complaint : I did not receive my XXXX XXXX Miles bonus promotion for my new Citi Platinum Select Master Card : XXXX XXXX 2015 I received an e-mail invitation from XXXX XXXX to apply for the new promotion which after making purchases of {$3000.00} within the first 3 months I would receive XXXX Bonus XXXX miles. On XXXX XXXX, 2015, I applied online and was approved for the new card. In a few days I received the new card. Within the 3 required months, I 've made more than {$3000.00} in purchases and made timely payments and to my surprise I did not receive the XXXX XXXX miles. I contacted Citi Card and after an investigation I received a letter explaining that because, " you either opened or closed another XXXX XXXX account within the past 18 months. ", they were unable to apply the XXXX miles. 
If I had a previous Citi Card ( turns out I did - I closed a credit card 15 months ago ), I should have been informed when I applied that I would not be eligible for the XXXX promotion, and not to issue a new card apparently hoping it will go unnoticed by me. I consider this intentional and underhanded business practice by Citi Card. Last week, I spoke to someone on the " CEO Citi Card Team '' and she said it should have been stated in the Welcome letter that I was not eligible. I explained that It was not and they have not issued the XXXX miles. I noticed in today 's news that CFPB has issued a penalty against Citi Card Bank and I agree that are guilty of " deceptive business marketing ''. 

P.S. I was not ware of any " XXXX Month Rule ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Well Fargo and it 's " agents '' have been HARASSING me for almost XXXX YEARS now. Several months after closing a checking account in early XX/XX/2004, I received a letter saying I owed XXXX nearly {$400.00}, but NO explanation of why. I demanded to know WHY they suddenly decided I owed them a bunch of money, and demanded a breakdown of the charges. They never sent another word, just sent it straight to collection. Since that time it 's been " sold '' to more agencies than I care to count. Lately people from XXXX have been calling XXXX times XXXX, including Sundays starting at XXXX local time and sometimes not stopping until after XXXX. Most of the time they hang up after just XXXX ring, or no one is there when answered, but when they DO answer, they refuse to tell you who they are until you give a bunch of information.

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
Consumer complaint received 2016-08-27
Company: ASSOCIATED BANC-CORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open a joint account at this bank with my current spouse, I have been divorced from previous one since XXXX XXXX, 2015. The bank approved HER, but denied me because of something from XXXX that I never applied for. And that report has my maiden name on there. Unacceptable!!! They would n't put me on the account either, so we decided NOT to return. To me, that 's being treated unfairly. However, I did contact the bank that put the negative information on my XXXX, and they kept lying to me about removing it, and they never did!!!!!! They also lied about sending documentation that I had to sign as well, never got it!!!!!!! I DO NOT appreciate being lied to at all!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is regarding the mortgage account mess created by Wells Fargo.. 
The co-mingling funds from my mortgage account to pay a balance of {$150.00} for an escrow amount for a lapse in property insurance coverage, in spite of the fact that my mortgage account is not an escrow/impound account. I was told by a customer service representative that apparently there is 1 month 's mortgage sitting in a " suspense account '' somewhere as they claim I skipped 1 month 's payment, which I 've no idea what are they doing with my funds and completely ruined my mortgage account balance. There are all sorts of discrepancies on my mortgage account that I have lost count on what to fix first. 
Now, I 'm being asked to pay {$150.00} amount AGAIN to bring my account current as that amount it shows in my account history has already been deducted from my mortgage account earlier. This is utter confusion and frustration dealing with Wells Fargo Mortgage. 
Why am I being asked to pay that amount again? Why is my mortgage payment in Suspense account? Why is my full mortgage payment being broken up? Where is my mortgage payment ending up? I 've more questions than answers from Wells Fargo. 
This bank has done shady and unscrupulous things to my account. 
See attached screenshots..

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 2016-06-25
Company: CITIBANK, N.A.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 I applied for a Citigold Checking Account online and provided the code I received for a promotion of XXXX XXXX after spending {$1000.00} dollars in purchases and making XXXX direct bill payments. Citibank accepted my application and I printed the page where it stated that I had responded to this promotion. ( see attachment ) I completed the requirements for the promotion. ( see transcript of chat attached ) I sent a secure message to Citibank asking when the miles would be deposited and they answered that I " was not targeted for the promotion ''. 

This answer is not acceptable. They accepted my application with the promotion and their customer service representative confirmed I met the requirements. 

I opened XXXX investigations and still have not received a favorable result. 

I expect Citibank to honor this promotion. This looks like a dishonest marketing strategy to attract customers to open an account that has a $ XXXX monthly fee.

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 2016-05-06
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have ( had ) a mortgage with XXXX acct. # XXXX which we were behind on applying for a modification which was denied. We were told that if we made XXXX payments by XXXX2016 that we could take XXXX & XXXX to catch up. We made XXXX payments in XXXX. In the mean time the loan was sold to PHH Mortgage. They have sent us many letters warning of foreclosure. Also statements not showing our payments to XXXX. Now they are refusing to accept a payment they received XXXX2016. Also a letter saying the are expediting foreclosure on our home. I am attaching cashed checks to XXXX and also our check to PHH Mortgage Acct. # XXXX which they say they are not accepting. I am sending the statements that are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I opened a business checking/savings account in 2011 with Wells Fargo and they were using a credit card for advances without telling me. I could n't even see the card or the card account information on line. After a couple years I went in and told them they had charged me {$160.00} for {$150.00} in advances and I told them it was n't fair and asked to get the {$160.00} returned but they said they would n't so at that point I closed my account and moved to another bank.

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 2016-12-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a Wells Fargo Financial National Bank credit card/XXXX XXXX XXXX XXXX that advertises a " no interest '' promotional period. First, it was not at all made clear to me that the interest still accumulates unless you pay the balance in full. Secondly, Wells Fargo never sent any alerts regarding promo-balances coming to the end of their designated time periods. Therefore, the balance came up without notice and my balance more than doubled ( over { {$1000.00} } in interest charges ). I ca n't imagine that they would have no obligation to actively notify me that the promotion is coming to an end.

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 2015-10-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I purchased XXXX Savings Certificates from XXXX in XXXX of 1992, XXXX each under each of my daughter 's XXXX. Since 1992 Wells Fargo Bank purchased XXXX. I recently found the original certificates and went to Wells Fargo ( XXXX, MN Branch ) to cash them. They did a 10 day search and said they had no record of them and said they probably turned them over after 7 years to the State ofMinnesota Unclaimed Property Division. I called the Unclaimed Property folks, and they have no record of any monies coming from XXXX or Wells Fargo Bank. Wells Fargo Bank said there is nothing we can do. We will not honor the certificates. I asked if the funds could be withdrawn without turning in the original certificates, and they said no! Since I have the original certificates and they have NO record of ever paying out the monies or even sending them to the Unclaimed Property Division of the State of Minnesota, how do I cash in these certificates and receive MY money back plus interest that was listed on the certificates?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear CFPB, On XXXX, I disputed inaccurate information on my Equifax Credit Report. 
The results came back within 24 hours, so Equifax DID NOT investigate my dispute. 
This is completely unacceptable, and indicatative of Equifax failure to PROPERLY investigate inaccurate Credit Reportng. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX my creditors reported me deceased back in XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to Equifax XXXX to date XXXX. still have me listed as unrated and deceased. Equifax has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XXXX XXXX Bank called my mothers house to update their files? never called me, and she said XXXX died 28 years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred XXXX. 
I am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: PHH Mortgage Services Corporation
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
When we encountered financial difficulties that we determined would make it impossible to continue paying our mortgage, we completed a XXXX application to request a loan modification from our lender. It was denied. Several months later we asked for approval for a short sale. Over the next 18 months we received XXXX offers, none of which was approved or rejected by the lender. Instead, the lender : & gt ; & gt ; Took at least a month to reply to each of our requests. 
& gt ; & gt ; Asked for the same information repeatedly, ostensibly because the information they had received was illegible or a month old ( therefore out-of-date ). 
. & gt ; & gt ; Did not return phone calls. 
& gt ; & gt ; Insisted that all communications must go through one person XXXX " single point of contact '' ), who was rarely available. 
& gt ; & gt ; Insisted that all updated materials go through the website, NOT to the " single point of contact. " & gt ; & gt ; Sent us loan modification offers, none of which was feasible, and none of which were requested. 
& gt ; & gt ; Closed the file in the midst of processing XXXX sales offer, necessitating that the process begin again from scratch. 

Ultimately our " single point of contact '' urged us to consider a deed-in-lieu of foreclosure. Once we agreed to consider that option, suddenly the process took off, being approved by the lender within the next six weeks. 

We do not feel that we have been well served by the lender, and instead that they never intended to help us with a short sale. We were strung along until we were in the position where we had to accept the DIL option. This will cause tax liability problems that we were trying to avoid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Got a bill from credit collection agency called to dispute the amount. They added {$100.00} to the bill. The original amount being {$550.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
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: Their investigation did not fix an error on your report

Complaint:
Hi I didnt apply for a XXXX card dated back XX/XX/XXXX and I didnt accept this card in my name and it has two phone numbers it dont belong to me in my name .... and XXXX completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didnt apply for this card ... but I wasnt held responsible on two previous XXXX   accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another XXXX account ... XXXX has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second 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 non-monetary relief
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed my XXXX account with Equifax more times than I can count. XXXX is paid yet Equifax refuses to update the status of the account to paid as agreed and closed. XXXX has reported the {$0.00} balance. I called and was assured by a customer service agent that he was personally going to change the account to closed. I check my credit today, it is reporting as open AND 120 days past due. Neither is true. I do n't know what to do anymore. They had so many mistakes on my credit report I have lost count and they flat out refuse to fix anything even when the company that is reporting it agrees that I am correct. Equifax is literally ruining my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX and I have several loan servicing concerns about Wells Fargo Home Mortgage. Listed below are questions I have not been able to get direct answers to from Wells Fargo Home Mortgage. 

1. What year did Wells Fargo Home Mortgage take over this loan. 
2. Is Wells Fargo Home Mortgage the Trustee for this loan if not who is? 
3.Please send me a copy of your Mortgage Service Agreement. 
4. Is Wells Fargo Home Mortgage just the loan servicer only. 
5. Who holds the note to this loan. 
6. Please list all credits on this loan and fee reversals in a typed response that you stated you have given and please recalculate my account and make the corrections. I do n't see any adjustments. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
my ex-husband is responsible for the refinancing of all past due and all outstanding payments of mortgage as per divorce documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello I attended XXXX Ca XXXX XXXX in 2011 .... I was convinced into taking out a private loan with XXXX thinking I could use the deferment program for a while until I was able to get back into school again and pursue a higher paying career. I was making deferred payments of {$20.00} a month up until about 4-5 months ago when I recieved a letter stating that XXXX would no longer be handling my loan and that UAS known as University Accounting Service would be taking over my loans and that my payments would now be {$40.00} a month!! I could barely afford the deffered payment of {$20.00} a month already so I called a few times to see what was the increase for but never recieved a response or call back. Do I have any options available since the XXXX act had been passed upon for relief of former and present students with XXXX Private loans active?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American Express cancelled my account after having it open for almost 1 years with flawless operation and funding on my part, I made XXXX ach transfers from my bank, and after the XXXX XXXX failed for XXXX on XXXX XXXX, I contacted the bank to advise them that the XXXX XXXX for XXXX would fail, I asked them to cancel the transcation knowing that it would fail and they said they would not or could not. The transaction failed because of a mistaken hold my other bank had on my saving account that restricted both incoming deposits and ACH debits, I was not notified of this hold by my other bank XXXX want the account to be reactivated and all my records and " bill pay " history to be made available to me. American Express and their offshore call center tell me all the info is never accesable to me again because this is or was an " online Account '' I want my account reopened I have all my direct deposits paychecks ( XXXX ) being deposited directly and this will cause my money which I will have received this week to be blocked. 

I did nothing wrong other than a mistake and advised them right away and was assured that my account was in good standing and that I had handled it properly in light of the circumstances. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid XX/XX/XXXX but it is still showing as collection in my credit report as of XX/XX/XXXX! I have complained few times at consumer finance and also called the collecion agency few times but it was never resolved. Collection agencies need to inform the credit bureau right away if the collection amount is paid off.

Company response to consumer: Closed with explanation