BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I submitted an online joint checking account application on XX/XX/2022, in advance of getting married on XX/XX/XXXX, pursuant to an introductory offer stating that if I submit a certain amount of money within 20 days I qualify for a bonus payment. I never heard back from Citibank that it was opened until I arrived back from my honeymoon on XX/XX/XXXX with a debit card sitting in my mailbox. On XX/XX/XXXX I called them up to see if my account was opened and they said yes, on XX/XX/XXXX, which coincidentally caused the introductory offer to have no bonus eligibility passed XX/XX/XXXX. I explained to XXXX levels of customer service that if Citibank had never let me know when the account was opened, how I am supposed to know when the 20 days begin. I asked for the 20 days to be reset to the day I was alerted the account was opened, which was today, XX/XX/XXXX. They said they couldn't do that, nor could I apply again because I am now considered a customer of Citibank because my account was opened. They claim they sent me an email on XX/XX/XXXX, which I never received, nor do I suspect was ever sent. I believe this to be fraudulent marketing and an inducement to onboard clients.

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 2017-06-15
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing, my payment due date is the XXXX of the month. As is required of all new mortgage servicers, a 60 day legal grace period is granted to all new clients who have had their mortgage involuntarily transferred. <P/>Per this law, my mortgage payments would not be delinquent until after XX/XX/XXXX. In violation of this law, I received harassing phone calls from Shellpoint Mortgage Servicing before the month of XXXX was over, in fact : - On XX/XX/XXXX, I received harassing calls from Shellpoint claiming my loan was in default. 
- I also received a letter from Shellpoint datedXX/XX/XXXX ( attached ), stating that my loan is delinquent. <P/><P/>I know that is a term that applies to loans that have gone approximately 4 months without a payment. Even if I had not paid by XX/XX/XXXX, I would be delinquent, not in default, default would occur around XX/XX/XXXX. <P/>Shellpoint also reported my loan as being late to the credit agency, that is also illegal, again, all my payments are due and owing on XX/XX/XXXX, the legal grace period for a transferred mortgage. <P/>Shellpoint need to follow the law and rules of transferred mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The latter part of XXXX, 2010, I got a Home Equity Loan from Bank of America for {$68000.00}. This man by the name of XXXX XXXX that has contacted me on XXXX had been contacting me for months and he said the was getting a loan from XXXX XXXX who was friend of his that XXXX XXXX was a consultant. XXXX XXXX called me several times by phone which he had a New York cell phone NoXXXX and a Texas Landline No. XXXX both which I still have. XXXX XXXX told me that he had contacts at Bank of America and that I had nothing to worry about at all. On XXXX XXXX, 2010,  XXXX XXXX called me stating that he had transferred {$67000.00}. to my Home Equity loan with BOA which it shows on my statement. Bank of America put a hold on these funds for TEN business days for the funds to clear. On XXXX XXXX, 2010, Bank of America released the funds as being good collected funds so I accessed them and did a bank wire as I was told over seas. I think since BOA put a hold on these funds for TEN business days releasing them as good collected funds then they should credit this back to my loan cause if they has not released the funds as being good then I could not have accessed them at all nor would I have accessed them either.I never heard of a bank putting a hold on funds for TEN business days then them not being good funds have you? I would appreciate your help please as this has been a nightmare for me. I have met with a NC State Senator on this issue too who passed a law 104 in NC because of my situation.

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 2017-06-04
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have  four  hits on my credit report from AR Resources. I have a Payment plan. I have paid them over {$340.00} since last  XXXX . I do n't understand why they put it on my credit report. That sucks. It 's the only thing on my credit report as of now. I do n't believe this should be on my credit report. it 's a total of about {$200.00}. I have kept my end of the agreement. Please remove from the credit report. If I actually do owe you money, please call me and I will take care of the " so called '' money owed. Seriously, AR Resources. My credit would be excellent if it was n't for AR not taking the hits off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Back in XX/XX/XXXX I applied for a XXXX XXXX mastercard promotion issued by Barclays. 
Since XXXX Barclays has been sending me letters requesting personal documentation such as identification, utilities documentation to validate my address and copy of my social security card. 
I sent the documentation in XX/XX/XXXX within the time frame requested. 
After more than 60 days of not receiving any communication with Barclays I called them and asked about the status of my application. 
An employee request me to send evidence of address since for some reason they didnt accepted the one u already sent. 
Which was a utility bill. 
They didnt explain me why. 
XXXX I sent by fax and mail ( both ) my checking account statement showing my physical address. 
Two pass and I received a letter notifying me that my application still incomplete and that they need me to call their security department. Which I did. 
XXXXAnother employee told me that my application was completed and that it was approved for a XXXX credit line that they will mail me the card. 
The card did come. But I did receive another letter requesting me to call Barclays ( for a 4th time ) I called today and the employee name XXXX ( no last name they are not allowed to disclose their information ) asked me for my full name, address, birthdate, complete social security number, phone number, application number and he couldnt find my record. He stated that this was because my application was 90 plus days due. 
That I will have to applied again. 
So, my question to him was why am I holding a letter dated XX/XX/XXXX requesting me to complete information on my application is that application no longer exist in your system. 


I have sent this documentation twice. I have called more than 5 times. I waited months. 
And there was no answer from them. 
It seems that they do not want to honor their XXXX XXXX offer or its a scam.

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 2018-05-01
Company: CITIBANK, N.A.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in bankruptcy, the trustee paid the company over {$40000.00} then I paid them three years thereafter.They sold my mortgage and the money the bankruptcy Court paid never was put on my balance.So I am trying to find out what happened.This is a very slow process.Can or will you help.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Please re-open Case # XXXX. It is not closed. XXXX is unethical and possibly violating privacy laws on state ( CT ) and federal levels. Please share my complaint publicly if TU does not provide solid results, explanations and apologies for their role as a seller of my private info and/or enabler of private info theft. 

Every USA consumer has the right to know about how callously and nonchalantly XXXX treats their personal and private information. They have the right to seek out discrepancies in XXXX reports that might be causing them harm in their credit score and hence equality of access to credit. 

Thank you CFPB!

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 2022-03-10
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-03-19
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX at approx. XXXX EDT, I spoke with a XXXX representative. I was informed that Loans 1 and 2 were on PAYE while Loans 6, 8, and 10 appeared to be on IBR because Grad PLUS loans are not eligible for PAYE ( which is not my understanding ). When I filed my original income driven repayment application with XXXX ( my old servicer ), all the loans covered by it were put on PAYE and in section 2, box 2 of my original application, I specifically requested loans be put on the PAYE repayment plan. As such, no loans should currently be or ever have been on IBR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off my XXXX Card, Wells Fargo card service, and 1 of my XXXX XXXX XXXX personal loan account XXXX. My XXXX XXXX and 2nd XXXX XXXX XXXX  loan amount are incorrect. They Both were paid down, My XXXX XXXX car loan is {$25000.00} now and my 2nd XXXX XXXX  XXXX loan amount is {$7300.00}. which is account number XXXX. Please have all three Credit Bureaus update asap. Thanks

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 2022-08-07
Company: EQUIFAX, INC.
State: IL
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:
It has been publicly announced that Equifax has been promoting scores and error. I sincerely trust my score was incorrectly presented through this bureau and also through XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Maximus Education, LLC dba Aidvantage
State: PA
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:
ACCOUNT SHOWS LATE PAYMENTS. THIS ACCOUNT HAS NEVER BEEN LATE NOR HAS ANY PAYMENT EVER BEEN MISSED.

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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector of the express permission of a court of competent jurisdiction, a debt collector man not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: AZ
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/XXXX, I XXXX XXXX initiated a written dispute with Equifax and asked for their Method Of Validation regarding a fraudulent inquiry from XXXX XXXX XXXX XXXX that was reporting to my Equifax credit report. I've also initiated this same dispute with the Consumer Financial Protection Bureau whose job it is to protect the american consumers against deceptive and abusive acts from credit bureaus and creditors. I've sent proof of these deceptive acts by Equifax to Equifax and to the Consumer Financial Protection Bureau. 
The deceptive acts in question were the re-aging of my U.S. Postal return receipt of my package that was delivered on XX/XX/XXXX. Equifax re-aged the receipt of my dispute to XX/XX/XXXX. 
The tracking numbers on the signed green return receipt match the original sale receipt that was given to me by the U.S. Post Office on XX/XX/XXXX. The second deceptive act and violation of the Fair Debt Collections Practices Act is Equifax did not provide me in writing 15 days after receiving my dispute as to how they verified that the disputed item was indeed accurate. 
As of Today XX/XX/XXXX I just received the response from equifax stating my dispute once again was valid and accurate without providing me their Method Of Validation from 15 days of them receiving my dispute. Since the Consumer Financial Protection Bureau will not do their job protecting the consumer from Equifax and their deceptive acts, I have no choice but to escalate this into a court of law seeking damages such as Defamation, Negligent Enablement of Identity Fraud, Violation of The Fair Debt Collections Practices Act and Violations of The Fair Credit Reporting Act. 
The Consumer Financial Protection Bureau needs to do its job and ask Equifax to provide the Consumer Financial Protection Bureau with the Method of Validation Letter they were supposed to send me 15 days after my dispute was delivered. Under FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I should of received the Method Of Validation I requested under the Fair Credit Reporting Act.

Look at all my receipts which are all accurate, then take a close look at how Equifax has re-aged the stamp of my delivery receipt from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX  XXXX  XXXX  #XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt

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 2021-11-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my bank card and totally wiped out my account of {$11000.00} and the bank ( wells fargo ) denied my claim saying that the chip was used and I guess they figured that it was me. This was done at ATM and I told them that I never ever use an ATM. They was suppose to call me within 1 to 2 business day about my claim, didn't happen then said that sometimes they send a letter, didn't get. Then talked to them again and was told to leave a call back # and the next available person would call, didn't happen. Was transferred to 8 different people all saying they couldn't help. Told them that I was not receiving bank statements and the only thing that each one was concerned with was my address. Talked to them again today and got transferred to different people again and told someone would call me back again.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Theres a fraudulent account named : XXXX XXXX showing on my credit report and its affecting me to buy a home

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 2018-04-12
Company: U.S. BANCORP
State: NV
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:
onXX/XX/XXXXthere were charges made to my US Bank Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due untilXX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from US Bank in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with US Bank and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.

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 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX  - partial account numbers XXXX ; XXXX ; XXXX ; XXXX.. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is  impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2021-11-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Yes, I have reached personally to the companies that I do not recognize and to the credit bureau and anything has yet to be resolved as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Theres a fraudulent account named : XXXX XXXX showing on my credit report and its affecting me to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
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: Information belongs to someone else

Complaint:
Experian refuses to comply with the  XXXX  ruling and block the  XXXX   XXXX  accounts that are fraud and I 've produced and given them all the information and reports required under the FACTA amendments of the fcra.

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