BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried making a payment on line but never received my credit card with the account number on it. My bill does nt have the full account number on it. I spoke with a representative of city bank the institution that i have the visa credit card through. The representative said she would send me the credit card 4 weeks ago. I have not recieved the cards. I cant make a payment over the phone and access my account without the account number. I sent a payment in by check but it was late. Citi bank charged me a late fee. I cant use the service they provide as an alternative method of payment without the account number. I believe they purposly dont send the card so you'll be late on the payment. This isn't fare. I can send it in by regular mail no problem but this is deceptive. I want the cards and the late fee removed. I cant even use a card I dont have. The account ends in XXXX thats all info they give you on the bill. And I cant get anybody from customer service on the phone.

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 2015-10-13
Company: Empowerment Ventures, LLC
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I 've been a client of Rush card for 5 years and now I 'm having major issues. ... .I 'm not able to axcess my money and customer service has no idea when this problem will be fixed ... I have direct deposit and I 'm taking a trip Thursday. ..with no money how am I able to go on a vacation I 've already paid for as well as my entire paycheck gone ... .I have n't been able to get a clear answer to my questions and this is not acceptable. ... many ofb th heir clients are going through yhe same thing. If I ca n't axcess my paycheck Thursday I will need f u ll compensation for my troubles asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We just received the XXXX XXXX dollars that Citimortgage was ordered to pay home owners that were requesting help with their mortgage. We applied for HARP in XX/XX/XXXX, however we had requested help from Citimortgage two times prior, between approximately summer of XX/XX/XXXX and summer of XX/XX/XXXX, before receiving HARP in XX/XX/XXXX. Both request were denied without any financial review. Our mortgage was XXXX monthly before we were awarded the HARP, XXXX after the HARP was awarded. Are we legally entitled to compensation for the prior denials? Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Friday, XX/XX/XXXX Phone call XXXX, TransUnion, Supervisor Current File File Number : XXXX Filed Dispute on 2 XXXX XXXX  Accounts Filed XX/XX/2020 Saturday, XX/XX/2020 *By Law 30 days without response from the creditor, I am protected by your organization and it needs to be removed. I spoke to XXXX and she agreed that 30 days was XXXX  on Friday night. I checked my report and no report. 

LAW No response at all. If it's been 30 days after you've sent in your dispute, the credit bureau is in hot water. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. This is good news for you, for you can pressure the credit bureau to remove the listing immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
The American Express Serve Card system has been down sinceXX/XX/2020. I am not able to log on the mobile app or from a desktop.  The error message is that the system is down for routine maintenance. I never received a email or notice regarding this routine maintenance. Next I tried to call the customer service number ( XXXX ) XXXX. It gave me a busy signal. With repeated calling I once got a recording saying long wait times. I left my phone on speak and hung up when it got to one hour. I am not able to find any other way to get in contact with them. 
My COVID-19 stimulus direct deposit was sent from the IRS on XX/XX/2020. It is not showing in the account. 
Im a XXXX  XXXX  and in need of the funds. Please address this issue as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My card has been declining since Friday XX/XX/2020. Ive sat on hold for more than 4 hours on the only phone number available for seeking help. Ive even heard people talking in the background halfway through being on hold for them to click me back to hold when they realized and heard me yelling hello. My card is declining for everything even though there is several hundred dollars on it. There is no one from us bank willing to fix the problem. Were in the middle of a pandemic and I can not reach my child support funds.

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 2015-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a mortgage loan to purchase a home. I got an approval from the lender subject to proving a home that I put in a bankruptcy 4 years ago has been removed from my name. Currently it still shows in title I am the owner. My lender XXXX told me I had to have the old home out of my name to get an FHA loan regardless if I put it in my chapter XXXX. I called Bank of America direct. They are the lender that had my loan on the home in my chapter XXXX. They told me that there records show the chapter XXXX and that I do n't owe anything on the home but it is still in my name. I asked them why they have not started the foreclosure since its been 4 years. They had no answer. I asked them if I could just sign a deed over to them and give them the house back. They said no. I asked them how to remove the home from my name and they told me I would have to sell it or wait for the foreclosure to be completed. I had my lender search records to see if Bank of American has done anything in the last 4 years. Title records show that Bank of America has done nothing to start the foreclosure process. My new lender said they can not give me a mortgage to purchase my new home because HUD requires my name off the old home. Due to Bank of America doing nothing, I am unable to purchase a new home for me and my family. I have done everything right by getting new credit, paying my bills, good credit scores and saving money. Now my lender, HUD and Bank of America can not come up with a solution to help me. How long can Bank of America tie up my name and ability to buy? Is there a way for HUD to see the problem is not mine and allow my new purchase?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have had a credit card   with Wella Fargo for more then 8years they closed my account without informing me and without explaination of the reason they closed my account.
There was fraudulent activities on my joint account in the amount of {$10000.00} dollars the checks was cashed in a branch office. The reason they cut off my credit card was due to them closing the joint account which they stated they was still investigating.
They have runied my life by closing accounts I took time to build and when I reported fraud they refuse to properly investigate cash coming   from out of a branch. I need help taking them down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
dear sir/madam I have owned my home for 50 years and always made my payments on time.by mail.i decided to have chase take the payment directly out of my checking account .the payment was dueXX/XX/2020.i sent the required paper work in and waited.three weeks later they contacted me and needed more information of which I mailed them.as of now I am receiving notices that I am late with my payment.i tried to reach then by internet and by mail to no avail.they give me a phone number to call but after 18 minutes of waiting they disconnect.i want to go back to mailing my payment in but they are not reachable.i have the payment money but do not have an address to mail it.i don t know if they are going to take the mortgage out of my checking account or not.they will not acknowledge my inquiries.i will seek a lawyer if I am forced to.can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been denied for fraudulent charges on my Bank of America credit card. 
My wife and I share an account and have XXXX credit cards. During the month of XXXX, while we were both in XXXX, our home state, someone purchase XXXX things in XXXX. The charges are for {$2400.00} and {$240.00}. 
When I contacted Bank of America initially they refunded me and then in XXXX the charges were reversed and validated on my account. Upon speaking to them, I offered proof that my wife and I were in fact in XXXX and working during the whole month of XXXX. 
The only response I received was that it was possible for companies to charge for purchased goods weeks later.

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 2016-04-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
experian will not investigate, verify and remove these innaccurate and incomplete items because they say they investigated before already. please see documents of incomplete items attached, but when i filed complaint last time they said if i tell them why they would investigate, and also the investigation have taken more than 30 days to complete

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 2015-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Other fee

Complaint:
I had duly verified the checking account, weeks ahead in time, for full balance payment every month, despite which the bank went ahead and applied late fee + interest charges of {$32.00} on purchases. On calling, they acknowledged that there was a system error in not activating the balance payment and reversed the late payment but declined to take away interest charge on purchases. I am disappointed that despite going through steps of verifying the checking account, I get charged with interest charges when it was their system intrinsically not activating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Inaccurate information is reporting on my consumer report. I have attempted to dispute the erroneous information through Experian 's online porthole to no avail. The FCRA ensures that all Consumer Reporting Agencies report 100 % accurate information. Pursuant to 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) ( 1 ) ( A ) the Consumer Reporting Agencies are required by Federal Law to verify information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. Please consider this dispute a formal request under the FCRA, to provide a copy of the verifiable original creditor documentation to the following inaccurate accounts and/or information ; 1 ) US BKPT CT VA XXXX XXXX is NOT my account 2 ) US BKPT CT VA XXXX XXXX is NOT my account 3 ) US BKPT CT VA XXXX XXXX is NOT my account 4 ) US BKPT CT VA XXXX XXXX is NOT my account 5 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 6 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 7 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 8 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 9 ) XXXX XXXX XXXX . XXXX XXXX XXXX, VA XXXX I never lived at this address 10 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 11 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 12 ) XXXX XXXX XXXX. XXXX, VA XXXX I never lived at this address Experian 's failure to positively verify these accounts have damaged my credit, life, liberty & pursuit for happiness.

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 2017-05-21
Company: Experian Information Solutions Inc.
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:
To whom it  may  concern, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX    2017  by certified mail in order to dispute information, in regards to   XXXX  h ard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX  2017    and they completed the request on   XXXX   XXXX  2017.  The request that I submitted included   XXXX   Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1  ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX XXXX XXXX Capital one reported a late payment on my credit statement this is a false report that is affecting my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX I finally spoke to multiple individuals requesting COVID-19 mortgage relief while we try to bring our income level back to pre-COVID-19. 
I requested that XXXX be rolled into the 180-day request. However, Dovenmuehle has just sent a letter via the consumer complaint site stating that XXXX is considered delinquent and will only provide me with 90 days of relief. I am enclosing their letters and the VA guidelines that Dovenmuehle is required to adhere. 
Therefore, my request is that Dovenmuehle correct the paperwork to reflect XX/XX/2020 in the calculations for the next 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To w hom it may conc ern, I mailed a  Multiple Inquiry Rem oval  Letter  on  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,    2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you belie ve this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report  display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2019-12-06
Company: Stone Higgs & Drexler
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX in XXXX. As soon as I rolled off the lot I begin to have mechanical issues. I had to replace the ignition switch, the timing belt and the water pump. The AC & heat also was not properly functioning. I contact the dealership numerous times explaining the situation. I spoke with XXXX the supervisor and was informed that if I could bring the car back and wouldn't be responsible to it anymore. I not to knowledgeable about this process. However I feel that I was deceived and taken advantage of regarding the purchase of the car. I return the car and was notified about the balance after I was told I could just return the car and that would be it. My wife was ill and recently died- it was difficult for me to get to work with all the mechanical issues.A judgement was filed in the amount of {$6000.00} including court cost. The blue book value of the car is $ XXXX {$1800.00}. I am not negating my responsibility however I don't think it's right or fair after I had been lied and still responsible to a lemon.This account was turned over to Stone Higgs & Drexler XXXX and they refused to assist me with reducing the debt and making payment arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been approved for a mortgage loan and my mortgage broker is trying to pull my credit reports to complement my information. 

He received 2 of the 3 reports and states that Equifax is blocking the third one. The error he is mentioning is XXXX. 

I tried calling the company but they didn't give me a solution, I could not even have my information retrieved denied it. 

I need this to be unblocked so my underwriter can move forward with the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016, I applied online for a checking account with HSBC and to date, as of XXXX/XXXX/2016 I have never received any confirmation of my account. An attempt to contact them via telephone proved futile as well. At the time of account opening I authorized a deduction from another personal checking account in order to open the account so these funds are now tied up. I passed all of their security questions and their web page indicated that I would receive a final " review '' within 72 hours, ( see below ). I believe that due to the fact that I listed income received from Social Security that they are delaying opening my account and hoping I forget about it especially given the fact that they offered an incentive to open the account and apparently are screening applicants by questioning if they will receive Social Security payments in their accounts as the question was posed multiple times. 
" Please note that online applications may take up to 72 hours to be reviewed. To ensure an optimal experience, please complete the application in full with accurate information. ''

Company response to consumer: Closed with explanation