BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PLease note this is continuation to my previous complaint about Citibank. 
Ref # XXXX. 
on XX/XX/21 at XXXX XXXX citibank made an " authorized '' entry to ALL my accounts and withdrew all my funds. These accounts included accounts of my children who are merely students.

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 2021-05-24
Company: Experian Information Solutions 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:
There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX Amt {$6300.00} Date opened XX/XX/2017 2017

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 2016-08-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank 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 explanation
Consumer complaint received 2015-12-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CREDIT ACCEPTANCE CORPORATION
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent in a identity theft affidavit ( certified ) to Experian and they have ignored my request in re : to id theft number XXXX as well as the XXXX please have these accounts/inquiries removed direct result of identity theft commercial bank XXXX mortgage XXXX bank XXXX inquiries ally fin XXXX XXXX lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank 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 non-monetary relief
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: GA
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:
Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i recently found out when i paid for my credit report, that i was a victim of fraud i went to the police station filed a report also filed a idenity report and sent it to XXXX XXXX AND TRANSUNION only Transunion fixed the issues XXXX and XXXX refuse to fix these fraud accounts on my credit report i demand that cfpb stops in and takes control and help fixes these fraud accounts. thank you i have all documents that i have sent them that i will upload.

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 2016-09-27
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Case # XXXX-Update I wanted to add more detail to my response to MT Bank response : -XXXX-check received by MT Bank with letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. Check was mailed back. 
XXXX XXXX - overnighted check - letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. 
-XXXX - Postal tracking confirmed MT received the check. Spoke with XXXX at MT-she confirmed that this payoff needed to be processed AND informed me that SHE was immediately reaching out to the attorneys so that house did not go to sheriff sale. Two days later house listed for sale. 
Payment not processed- check mailed back AGAIN- different story every time MT Bank is called. 
-Spoke with Attorneys- Overnighted the same check on XXXX/XXXX/16. It is now XXXX/XXXX/16 and account is still not paid off. 
-M T Bank has had the first two insurance checks since XXXX. 
So there response that they can not waive fees is not only ridiculous but should be illegal. There should be notes all over the account at MT of all the discussions. The time spent on phone calls ( which were usually hour or so long ) is frustrating and stressful. How do they get away with treating consumers like this. There should be a class action brought against M T Bank-reading other consumer complaints on the consumer protection bureau about this same treatment makes me wonder how many consumers were charged more then they should of been or worse yet lost there homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: GA
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home has reached loan to value 2 years ago, so PMI, MIP should n't apply to me. Wells Fargo says the insurer says I owe PMI for the entirety of the loan. I have an FHA 30 year fixed with 17 years left on the loan. I think they are lying and want me to keep paying the XXXX bucks a month. loan originated in 2002 so the new PMI law does n't apply. What recourse do I have? Regards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Origen Financial Services LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
applied at XXXX XXXX XXXX XXXX  for residency only with the management company XXXX XXXX XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX. we gave her the application on XX/XX/XXXX and she pulled my moms and mine XX/XX/XXXX. she did not tell us we were denied until 22 business days after we applied. XXXX XXXX was extremely unprofessional and delayed the purchase of the mobile home XXXX XXXX XXXX, XXXX XXXX, ca XXXX my mom made 3 times the rent, had excellent credit and have lived in a rv in the park for 1 year. 
we had to fix everthing that was not ours in backgrounds and without our knowledge XXXX XXXX pulled our credit XX/XX/XXXX. she waited 18 business days to let us know we could be residents.

we did not authorize her to pull our credit the 2nd time and she did not even tell us we were having it pulled. 
XX/XX/XXXX i left XXXX XXXX XXXX XXXX  because of substandard unhealthy conditions where my rv was parked at XXXX XXXX. 
my mom and i appled for residency at XXXX XXXX in XXXX where we were accepted then 2 days later denied. my mom spoke with XXXX on the phone and the phone was on 3 way so i witnessed what XXXX said. she said she spoke withy XXXX XXXX of XXXX and she told him i was banned by XXXX XXXX XXXX XXXX 
blacklisting is against the law and XXXX blacklisted my mom and myself. 
i am XXXX XXXX with a XXXX XXXX XXXX injury and my mom has XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Issue: Other

Complaint:
I am trembling with anger over this situation. I work in the financial field, and I do not like to bash or make complaints about the services offered, but I feel that this must be done so that changes can be made. 

I am staying at a hotel, and I have a credit card that I enjoy using. I like the company, the payments are very reasonable, and I am glad to have the card. I made an extra payment on my card so that I would have that balance available to pay for my room, as I am having some repairs/upgrades completed on my home. I chose to use this card for this situation because it is a rewards card that offers points. I made the payment online, or on my mobile app -- I do n't remember -- but it states " Transactions submitted by midnight XXXX XXXX will be sent immediately and will take effect the same day. '' So, I felt confident that the credit would be available for use immediately, as I made the payment at approximately XXXX XXXX XXXX XXXX the day before. However, when the hotel tried to run my card, it was declined. I called my card company to try to find out why the credit was not available. I spoke to a rep who was very nice, and he even spoke to his supervisor, but there was nothing he could do to make the credit available, and they were also unable to increase my credit limit to accommodate my dilemma. 

This entire situation should not have occurred. If the payment is not going to post as available credit immediately, or not even by the next business day, which was today, then the information on the website should not state that it will be. In my opinion, this is a deceptive practice. I could have used a different card, or given the hotel cash to pay for my room instead of putting the money on my card. I am on a very tight budget, but even if I was n't, this is totally unacceptable. I need 100 % clear knowledge of when my payments are going to post as available credit, as I am sure everyone does. At this point, I feel duped and lied to, and now I have to come up with {$200.00} from somewhere else because of this situation. This is more than just a simple inconvenience for me ; this is an embarrassing and unnecessary situation that has caused me a bit of financial hardship.

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 2021-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Capital One Spark Business account. I have not been able to access transactions, funds, balances, statements, or anything since XX/XX/2021, ( about 3 months ). I have called and every time I call I am on hold for 45 minutes - 70+ minutes. They have requested documents from me to verify my business and I have sent them several times however they keep telling me they aren't receiving any documents. I have emailed them and faxed these documents and have proof that I have sent them. Outside of 2 out of the many people I have spoken with the customer service is cold, inconsiderate and rude. They keep giving me the run around and my business has suffered greatly. They told me several times I would be contacted back however no one has contacted me back in months. You can only imagine what type of affects on a business it will have not being able to access any funds for 3 months. This is the worst experience anyone can deal with regarding a bank. A bank that is supposed to keep your money safe for you and help handle financial services. However, the bank just takes your funds and won't let you access it for months without any clear reasoning. I requested statements and never received any. There could also be unauthorized charges on the account. However I am unable to even see or access any transactions on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My loan was with Wells Fargo and I was going to do an assumption loan to get my ex wife off of the loan. Wells Fargo said they my loan could be assumed by me with no appraisal and everything would stay the same as long as I was credit worthy. The total cost was going to be around {$1000.00} plus Florida fees. In my divorce decree, it said I had to get my ex off the loan within five years. Five years is this XXXX My house is upside down so there is no way I can do a regular refi on my home. I called Wells Fargo to tell them I want to do their assumable program and they said that my loan had been sold and would have to go through XXXX XXXX XXXX since they bought the loan. When I called XXXX they said they do n't have that same program and to get my ex wife off the loan I would have to refinance the loan. Since my loan is upside down I ca n't afford to refi. I am going to have to let my house go into foreclosure if I ca n't work something out with someone on this. I do n't think it 's fair that because my loan was sold I can no longer do this program that Wells Fargo had. Is there anyway I can make Wells Fargo keep my loan until I do their assumption loan? It does n't seem fair to me.

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 2016-07-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A deposit was made into my business banking account on XXXX/XXXX/2016. The deposit was XXXX US Postal Office Money Orders. Wells Fargo has placed an extended hold on these items, stating that it 's justified because my account has been overdrawn in the past 6 months. ALL information I have been able to find in the FDIC, federal reserve, and by making a call to XXXX states that Government Checks, as well as US Postal Money Orders, are to be made available in 2 business days. Wells Fargo refuses to release the hold. These funds need to be transferred to a paying client. Please advise if this is legal

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 2015-12-01
Company: Credit Karma, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX address shows on my credit report I never live there

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Representative, After hard time of foreclosure, job loss and eviction, I was able to step on my feet financially and handle life as self-employed person ( I am XXXX and there are n't too many employment options for me ). I worked on establishing good credit again and with satisfaction observed how my old collections disappeared from my credit report, when suddenly and by chance opening XXXX, I saw XXXX separate collections XXXX collector, related to XXXX. They ruined my credit score from XXXX to XXXX, and I am in panic. I never received any mails or calls from them. 
The case is that I worked in this city XXXX, and during work time should go every 2 hours to turn my car from back site city parking to front site city parking. It was silent agreement between my company and the City to do this. The City XXXX practically did n't have at this time any free parking, and the XXXX company I was working for did n't secure for me a parking permit for entire period of my employment, which was 3 ( three years- XXXX till XXXX ). I did what it takes, even my work as XXXX employee for a large company did n't allow a lot of time, and importantly, to think about my car when under pressure to make more and more sales. 
Now, after exactly 5 ( five ) years being not employed from such company, and making my living alone, I was slammed with this collection. 
I wrote letters to the collection agency and Transunion about this issue and will expect their answer. 
Once in a past I had your help, when a collector pretended some money for my foreclosure by using my home purchase 's closing paper file ( I still wonder how they reached this file ). I very much appreciate your timely help. 
Unfortunately, now I have another case. It will be up to your competency to decide what action to take. Whatever it is, I will never forget how you helped me before. 
Thank you for all your efforts and professional work : XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Minto Financial dba Minto Money
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have made 15 payments which total over the original loan amount but the amount of my original loan has not decreased by a {$1.00} it has actually increased by $ XXXX. Expected high interest but this is criminal ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a bunch of medical collections on all XXXX bureau 's I have asked for proof of debt from collection agencys they responded they could not supply any. I have disputed these item about 10 times now for the last several years. sent proof of certified letters to collection companies to credit bureaus and they still do not take them off they say they are verified everytime I dispute them. and everytime one collection company gets a certified letter from me a new collection company puts the same debt on my credit report as new. THis has been going on for 5 years now and it has cost me a higher interest rate on my mortgage and car insurance. I have paid all my debts that I have obligated myself for and yet I can not get a credit score over XXXX because of this illegal actions.

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