BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened at CitiBank XXXX account on XXXX XXXX, XXXX for the sole purpose of getting the {$1500.00} bonus they offered if I kept {$200000.00} in the account for 60 consecutive calendar days. You then had to keep the acct open for 90 more days waiting for the bonus to fund. I did this. The bonus funded in XXXX, but it was for {$700.00} instead of {$1500.00}. I was then told when I called that the requirements stated that the 60 days began after day 20, thus meaning you had to keep the {$200000.00} in for 80 days. This bonus is still being offered, and the language now clearly states that the 60 day count begins after day 20. However, that wording was not present when I opened the account. Clearly, CitiBank realized at some point that this wording was missing, and added it later. 
I called CitiBank multiple times last fall to check on this 60 day ruling. I opened my account with a {$200000.00} deposit. I asked when do I start counting the 60 days. Is it from the date of opening? Or is it from the date you actually receive the money? Is it calendar days or business days? I was told over and over again that I would meet the obligation at the end of XXXX. I kept the {$200000.00} in the account for about 10 more days just to be on the safe side. I moved {$150000.00} out of the account in early XXXX, keeping {$50000.00} in the account to avoid a service fee until the {$1500.00} bonus funded.I actually have it in writing from a Citibank employee that I contacted via the app that I indeed would meet the requirements as of XXXX XXXX as long as I kept the account open for 90 more days. 

I have contacted Citibank many times about this to no avail. The last letter I got from them sounds like they do acknowledge that I should've gotten an additional {$800.00} but because I closed my account In XXXX, they can not fund it. This is just wrong. I closed the account at the end of XXXX because when I called to ask why I only received {$700.00} instead of {$1500.00}, I was told that I didn't meet the requirements for the {$1500.00} and that I would NOT be getting the additional {$800.00}. That is why I closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had looked into what the cares program was about on the wells fargo website. But never gave authorization to enter the program. About a month later when I saw that my payments were not going through I thought wells fargo was automatically deferring all payments for everyone because of covid. Now seeing these storylines coming out about wells fargo entering people into the program without their say so I realized they illegally entered me into the program

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 2022-03-03
Company: EQUIFAX, INC.
State: MD
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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, 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:
EQUIFAX, XXXX AND XXXX HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company claims that they post my payments to my account on the date that they receive them, but my statements show that this is not true. 

My XX/XX/XXXX statement shows a {$400.00} payment received on XX/XX/XXXX that was put in a suspense account and not applied to my mortgage account. That statement also shows a payment due amount of {$300.00} due on XX/XX/XXXX. My normal monthly payment is {$700.00}, thus they are acknowledging the extra payment was made but did NOT put it in my account. 

My XX/XX/XXXX statement shows the money finally being deposited on into my mortgage account on XXXXseveral days after they received received the payment. 

It looks like they changed their process in XX/XX/XXXX. 

I send 2 checks automatically one for the regular mortgage payment and a second one for the extra principal payment. 

Prior to XX/XX/XXXX, they would post two transactions on my statement on the same day the regular payment and the extra principalboth going directly into my account. 

On XXXX they started posting my extra principal check to a suspense account instead of posting it directly to my account. They would later move it out of the suspense account and the finally credit to my mortgage account. In other words, my principal payment was passing through a suspense account instead of going directly into my account. They did not do that to my regular payment. 

So in XXXX I had a total of 4 transactions ( 3 for the principal only payment ; 1 for the regular payment ) on my statement instead of 2 transactions. 

On XX/XX/XXXX they received my principal payment and posted it to a suspense account. On XX/XX/XXXX they posted my regular payment. Then my statement was sent to me. The credit of my XXXX payment was not applied to my account until XXXXthey left it in the suspense account. 

It is also curious is that my automated payments have not changed in probably a decade. They have typically arrived a day or two before or so before the first of the month, but now with NewRezs processing changes the payments are dated as being received 3-4 days later, curious that maybe the check posting process is taking longer with these addition accounting moves with suspense accounts. 

Compounding this, when my mortgage was transferred in XXXX and my payments were going to my old mortgage company, they were transferring the payments to the new mortgage company over ~2 weeks after they had been received by the original mortgage company. I was told there was not a penalty to me for that, but I am now concerned that the delay of the transfer from one mortgage company to the other may have resulted in extra interest costs for me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CBE has been managing multiple accounts from a Medical provider. They have submitted collection reports to all three credit reporting agencies. They have at no time ever tried to contact me regarding the debt ( Parking ) and have submitted negative reports to XXXX, XXXX and XXXX. After I have disputed the debts XXXX XXXX and XXXX they advised they have removed these from my Credit Report on or around XX/XX/2022. These negative collection reports still show on XXXX and the company continues to refuse to send any itemized statements or validate the debts. They continually park accounts in order to negatively affect my credit score rather than inform me of the debt. 
I have confirmation from the company stating they have removed the debts from all three reporting agencies but this is not true. This practice is inhibiting my ability to maintain enough credit to secure housing or other means of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive been a chase costumer for 4 yrs now. Never have an issue. On XX/XX/22 I received a check from school. I did an online deposit. Received a msg that check is been processing. On XX/XX/22, I check the acct and funds were available. I try to sent a pymt and the act didnt work. I thought it was a technical issue. My surprise came when received a msg that tell me that my acct was on hold and gon na be close for missing documentation. I call the bank. They told it was a problem with check verification. That if I received notice that a check will be mail to me. I didnt have it with me at the time. Later I found all the info from the school and I call back. They verified that the check was sent to me. The representative told me ok XXXX gon na email to lift the restrictions. I was on hold for about 40 min and she reach back to me and told me that some office did a second review and decided to close my acct. I ask to call that office and she told me that what she could do is transfer me to her supervisor. The supervisor, name XXXX, told me the same as the other representative. And that I sign the agreement that they could close my acct without any notice. I told her that I want an explanation. And her reply was you do not understand anything? You sign for this. I said, I want to speak with whoever made that decision and she replied that those people never answer to no one. No even them. I was in the phone for an hour without a good response, who made her think that I would mind to wait 3or 4 hours to get a response. Now I have to wait 2 weeks for them to mail me a check with my founds. Meanwhile my bills will be unpaid. I dont care to have a checking acct with them anymore, but I think I deserved an explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Account Name XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt.

This information has has violated my rights under the FCRA. This has caused XXXX XXXX, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Selene Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wednesday, XX/XX/XXXX  ; Selene Finance. Selene Finance said I am foreclosure that I missed six payments. I paid in XXXX on a pay site online. they wont let me make up the other payments. I never received anything from the Sherriff 's office for foreclosure or from my local district. I want to work with them and try to make up payments with them and am willing to work with them. we've been in our house since XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX cell : XXXX work : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Stuart-Lippman and Associates, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an account listed on my cre dit report by the name Stuart Lippman and Associates  collecting for  XXXX   XXXX    XXXX   XXXX   XXXX  n.     I have no knowledge of ever dealing with the original creditor as listed on this account or with this debt collector. This account is reporting as opened in  XXXX    XXXX  . I have not ever received any response from  Stuart Lippman &amp; Associates that validate any information, after mult iple attempts.     I am allowed, under the Fair Credit Reporting Act, the right to debt validation. This company has failed to provide any evidence of my signature with the original lender as well as any information regarding as to whether or not they bought a false account.     If this account was valid, in the state of NC, the statute of limitations is 3 years. I have not at any point in time, verified that this debt is accurate and therefore should be removed immediately from my   XXXX   report.     If this information is not removed, I will be forced to take legal action against this collection agency, which will allow me to seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/19 XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: CA
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:
ON XX/XX/2020 I APPLIED FOR THE CO-VID 19 SMALL BUSINESS RELIEF FUNDING AND WAS DENIED DUE TO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I THEN THOROUGHLY REVIEWED MY CREDIT REPORT AND FOUND FIVE CREDIT CARD ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH ADDRESSES I HAVE NEVER LIVED AT. I HAVE NEVER OPENED ANY OF THESE ACCOUNTS OR EVER AUTHORIZED ANYONE ELSE TO OPEN THEM IN MY NAME. I HAVE NOT BENEFITTED OR RECEIVED ANY MONIES IN GOOD FAITH. I AM NOT LIABLE FOR THESE ACCOUNTS AND NEED THEM REMOVED PROMPTLY AS IT THEY ARE NOW CAUSING ME FINANCIAL HARDSHIP. PLEASE REMOVE THESE ADDRESSES AS I HAVE NEVER BEEN ASSOCIATED WITH THEM : XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Every day I get a call from XXXX / XXXX saying they are from Macy 's, after I inform them I do not have a Macy 's credit card they then ask for social security number which I refuse to give them. I talked to Macy 's and they have not made any calls to me. I would like for these calls to stop.

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 2017-04-19
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am making a dispute ag ainst Optimum Outcome , Inc in a r esponse to a listingS on all my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request fo r VALIDATION ma de pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my cr edit reports (  XXXX ,  XXXX , and  XXXX  ). This action constitute fraud under both Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TD BANK US HOLDING COMPANY
State: MI
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:
I have sent numerous requests via mail and telephone to resolve my credit reporting errors to the companies in regards to late payments on my account. I have sent my personal information along with a copy of The Heroes Act and explained that I was negatively impacted by Covid 19 and per the Heroes Act be protected from it affecting my credit score. I have sent requests in XX/XX/2022, XX/XX/2022, XX/XX/2022 and also had several phone requests without any resolution into the matter. This is severely impacting my credit and which in turn is not allowing me to purchase a new home and it was beyond my control and again per the The Heroes Act I am requesting that the late payments that were reported during the Pandemic be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have sent numerous requests via mail and telephone to resolve my credit reporting errors to the companies in regards to late payments on my account. I have sent my personal information along with a copy of The Heroes Act and explained that I was negatively impacted by Covid 19 and per the Heroes Act be protected from it affecting my credit score. I have sent requests in XX/XX/2022, XX/XX/2022, XX/XX/2022 and also had several phone requests without any resolution into the matter. This is severely impacting my credit and which in turn is not allowing me to purchase a new home and it was beyond my control and again per the The Heroes Act I am requesting that the late payments that were reported during the Pandemic be removed from my credit reports.

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 2017-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To Chase Bank My wallet might 've gotten stolen or I misplaced it but when I come to figure out I do n't have my wallet no more I looked for it everywhere called people Backtracked but no luck that 's when I decided I should cancel my cards I called chase customer service department around XXXX XXXX in the morning on the XX/XX/XXXX the XXXX then informs me my last transaction was a withdrawal from a chase ATM that when I told the XXXX no my last transaction was at XXXX XXXX {$3.00} and some change on the XX/XX/XXXX it 's the XXXX now they already denied me once never gave me temporary credit then you have chase employees calling me telling me your not getting your money because you have n't banked with us for that long and she is n't even in the claims department then you have the claims department it 's self that right there may I say is a joke they have been messing around on there end and it 's about to cost me my savings everytime I call it 's another excuse or another business day or another department I 'm waiting on a call from there executive office which I believe is the last place they can transfer me but see what you can do cause that was all the money I had and I 'll be XXXX if chase has the last laugh

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18
Company: Monterey Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I added an account I had with  XXXX   XXXX   XXXX  in my chapter  XXXX  bankruptcy but they still sent account to a collections agency named  Monterey Financial based in California. Monterey Financial  contacted me several times to collect the debt even after they received paperwork stating that account was included in bankruptcy. My attorney sent them paperwork and they still sent the account to collections which is affecting my credit report since they were not supposed to have the account in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation