BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Because of covid-19 my 50th wedding anniversary cruise was cancelled resulting in a credit of {$7600.00} on my credit card. For almost a month I have been attempting to get that credit transferred to my bank account with any success. I have called the customer service department at least four times.  Each time I am told that the money will transfer in 6 to 10 days and yet no action is taken to accomplish this. 

I pay off my credit card bill each month and I have never been late. There is absolutely no reason why CITI has not refunded my money.

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 2016-11-03
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Compliant # XXXX The problems continue with Amerihome Mortgage company I they have again failed to process my XXXX payment and now I ca n't make a XXXX payment useless I pay for 2 months now. In an attempt to get away from them my mortgage broker informed me my credit report has been damaged by there failing to process my payment in this summer. This will prevent me from getting refinance. There employee who stated she tried to call me on XXXX XXXX lied and never called me at all. This is criminal to case me personal damage on my credit report and to put my home in danger of default by not posting payment made to them. Please Please help. Below please find the email sent to their staff attorney XXXX/XXXX/16 regarding my XXXX payment not be posted. He contacted me after receiving your compliant. 


Dear XXXX XXXX ( Attorney for Amerihome Mortgage ) I would like to let you know the problems continue with my not being able to make payments on my mortgage due to your system errors. I made a payment on line in XXXX with a manager in your office and discovered the payment has not been registered yet and my XXXX payment is not showing as having been paid. I can not pay my XXXX payment on line as it requires XXXX and XXXX be paid! I spoke with a mortgage broker to refinance to get away from Amerihome and he said you have damaged my credit report by stating my payment was 30 day past due. I need to have these issues resolved asap this is absolutely horrible. I spoke with someone in your executive office 2 days ago who lied and said she called me but no message was left on my cell phone and my home phone ca n't take messages. I hope to avoid filing a new compliant with the federal government and to not look for additional regulatory assistance with this important matter. I can be reached at XXXX XXXX XXXX XXXX. I need to have my XXXX payment posted and in order to make my XXXX payment and to have my credit cleared.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the fair Credit Reporting act XXXX Acount # XXXX, has violated my rights. 15 U.S.C 1681 section 602. A States I have The right to privacy. 15 U.S.C 1681 SECTION 602 A. States a consumer reporting aenc can not fumish an account with out my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a copy of my credit report where I noticed a fraud alert and security freeze I contacted the credit bureau to have this removed I was told to submit request in writing which I did however Experian did not removed the alert instead they sent me a letter stating they could not remove I follow all guideslines provided written request drivers license copy bearing address ( physical address ) bank statements showing my P.O. Box ( mailing address ) and a copy of my social security card. 
In addition I also requested to have the bankruptcy showing on my file deleted as this is not my bankruptcy the bureau responded that they had verified the account however I asked them to validate the information ... XXXXthey then responded verified again stating XXXX XXXX as they source and I disputed that do they come back saying US Bankruptcy Courts verified i contacted the US Bankruptcy court and have enclosed a letter where the courts stated they DO NOT and HAVE Not verified this information I also contact XXXX XXXX who also stated they have no record or file matching my information According to the FCRA 623 ( a ) ( 5 ) If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The county recorder of feeds and the bankruptcy courts have both emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records I have enclosed the documents from both the courts and XXXX XXXX  A copy of my ID Proof of address And proof of social security number

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 2017-01-18
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Key Bank acquired my First Niagara credit card account in 2016. I never received a Key Bank credit card. I have not received a bill from Key by any method since the account was acquired. The only action I have received from KEY is from their collections department! I have paid them upon each of these calls since XX/XX/2016 without the benefit of any statement. I have addressed this issue with various Key Bank departments over the last few months to no avail. They are charging me XXXX late fee to boot!. I have tried numerous times to establish an on-line access but always ends up with a message that the process could not be completed " at this time ''. And I imagine they are reporting " late '' payments to credit bureau. Situation is intolerable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: AMERICAN EXPRESS 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:
Applied for the XXXX credit card with American Express. Denied by the new accounts team since I do not have enough US credit history. Used XXXX XXXX  to apply since I do not have Social Security Number. XXXX XXXX used XXXX XXXX to check my credit file. When contacted call center and spoke to the agent, was told that I do not have a US FICO score that is why they denied my application. I want to start building credit in the US. They should have reconsidered my credit card application. No consideration at all. This is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: KEYCORP
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In 2011, when I was naive to internet scams, I tried to sell some of my old video games on XXXX. The buyer sent me a check, asked me to cash it and then send the money to his carrier for him. This turned out to be a scam, the check bounced and the balance was deducted from my bank account. Key Bank closed the account as SUSPECTED FRAUD when the status was UNPAID. I proceeded to pay back the amount owed in full, but it still shows up on my report as SUSPECTED FRAUD and UNPAID due to the immediate closure of the account before I had a chance to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have a Health Savings Account that was levied due to a debt I have with Cache LLC. They levied my hsa account and Wells Fargo allowed them to do so knowing that the account is an exempt account from any debt levy in the state of Oregon. This is the second time that this has happened and I went to court the first time and the judge ordered in my favor and all monies had to be returned. Wells Fargo has a fiduciary responsibility to not allow this to happen. This is not only a financial burden for me, it has also hindered me in paying for my children 's dental and medical bills. Wells Fargo has caused me a financial hardship when this could have been avoided to begin with. It is unacceptable for Wells Fargo to be this negligent when the Law is clear regarding these types of accounts.

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 2020-01-09
Company: Navient Solutions, LLC.
State: NY
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:
Good Day, I started college in XX/XX/1994 and went on to get several degrees afterward at three different schools ( XXXX University, XXXX University of XXXX, and XXXX ). Navient is my servicer and every time I have requested that the payments be lowered because I have XXXX children, a mortgage, a full-time job, and taking care of my unemployed mom, they have always pushed me to forbearance, which increased the amount I owe. As of today, I owe {$170000.00}. I think that is ridiculous, as I have paid that amount and more in loans over the years. I have been able to do little to put a dent in this because Navient is committed to making sure I pay until I am XXXX years old. I require assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX//2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2017-09-01
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for a loan Modification several times with Flagstar bank. It seems as every time i 've filed they would string me along, requesting Information that does not exist, and after pleading with them time and time again about the non existing Information, they would Deny my Application.
I do n't have Money to Hire a Lawyer to help me. I recently had to File Bankruptcy to stop the Bank from selling my Home. 


Please Help!!!!!!!!!

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 2015-05-31
Company: Receivables Performance Management, LLC
State: OH
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 keep getting getting a call from this company every day and they never leave a message, and I 'm unable to call them back and find out what they want or who they 're looking for. A message comes up that this number can not be reached. I want these calls stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account with CAPITAL ONE with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
When is enough enough? I 've been back and forward with Wells Fargo in regards to modification for a long Of time. I just learned today, when I call to find out the status of my modification and regards to all the paperwork, that I keep submitting over and over again. I was told as of today, Wells Fargo stated, that they did n't have no paperwork on my modification. Wells Fargo rep alos told me that I never apply for modification. 

Wells Fargo, is now claiming they never received any notification in regards to any modification or paperwork. I was assigned to a different person now. Who said I had to start the whole process all over again. Wells Fargo wants me to submit my paperwork all over again. 

Within the past few years, I 'm trying to get this modification going. I 've been assigned more than XXXX different people from Wells Fargo on my case. I can not understand, why am I be given the run around. Why am I being assigned so many different people. Why can I just have one person assigned to this case from start to finish? 

Today somebody else called me and said they had been assigned to my case. Now today alone, I get XXXX different people assigned to my case as of today. That is XXXX more added, to all the other people that has been assigned to my case from before. 

Is this some type of a form of a joke? Wells Fargo is trying to play games with me. They assign multiple people to my case. They had lost my paperwork multiple times. Every time I do this modification, I am giving every excuse in the book. 

Wells Fargo will still say I need more documents to be submitted, the documents that I submit is now too old now, we needed to assign somebody else to your case and start the paperwork all over again, your paperwork is in review with the underwriter. Which I 'm told it could take a couple of months for them to decide. How many times do I need to submit the same paperwork over and over again? How many more times does somebody need to be assigned to my case? How many more times can you say I 'm missing a documents. Yet Wells Fargo said they had everything they needed.

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 2021-04-21
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this collection account with CCS Services on XX/XX/XXXX asking them to send me verification that this debt belongs to me.I still have not received anything pertaining to this debt. This debt is supposedly from XXXX while i was pregnant with my twins. During this time i had insurance so thats why i need valid proof of this debt. Also the company that sold this debt is breaking HIPAA Laws by discussing my medical records with third party if this debt is mine. Upon researching CCS Services the are illegally trying to collect debts in Ohio. This company is not registered with the secretary of state in Ohio so they cant actively do business in the state without registering.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: National Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The collection agency named ACT Account Control Technology intercepted my entire tax return without proper notice of their attempt to collect any debt. They were collecting for a student loan and sent the letter of intercept to my old address intentionally to make it look as if I was ignoring their request. The party they were collecting for had my new address since XXXX XXXX, I was receiving mail from the original party regularly. However ACT maliciously sent the intercept notice to my prior address on XXXX XXXX, XXXX which I still have never received or seen. I moved from my previous address XXXX XXXX, XXXX. If this company was collecting for a Federal Student Loan and sent a notice to intercept on XXXX XXXX, XXXX to a place I no longer resided and have n't resided for over 3 months at time of alleged mailing. Why and how did the original party have my current new address and the collection agency did not? Do they not communicate with each other? The company ACT Account Control Technology is a very crooked company and will fabricate and or deceive by any means necessary to take peoples money without proper notification and or mailing. I also told them via telephone that I disagreed with their approach and or action to collect and requested appeal information and or documents. I was told the company ACT Account Control Technology would email me the needed documents that same day and I never received anything via email on any day pertaining to my request. This company stole almost {$2500.00} from me and my daughter, yes I am a single parent and yes {$1500.00} of the money they stole was supposed to go toward my daughters dental work that we had to cancel because these crooks deceived the Internal Revenue Service making them believe I was ignoring their attempts to collect when in reality I have never even seen one of their letters or notices to collect ... even to this day I still have never seen this notice that was supposedly mailed to the wrong address.

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