BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was issued a Citi Credit Card with Costco after the shift from XXXX to Citi Visa. 
I called on multiple occasions to add my wife to the account so she too may have a card. Citi most likely has access to all the calls, I estimate at least XXXX10 calls were made to add her. Once added I was told a card would be in the mail soon, this was in mid XXXX. Two weeks later I call again, this time they send me to Customer Service who confirms a card was not sent although my order showed it was complete. So they said they would send a card. Nothing. 
I call two weeks later and again they say it was supposed to be sent but was n't and promise to overnight it. I am not kidding, but this happened now two MORE times! 
I have spent over 1.5hrs calling and waiting with Citi and they have not sent me a card they promised to send 5 different times. The last call ended with a supervisor promising to call me at XXXX XXXX on XXXX XXXX. It is not XXXX and no call has been received. 
These practices by Citi should be reviewed by the CFPB, I am being strung along and Citi is making promise they are not delivering on. All my calls and attempts have lead to nothing, and I have nowhere else to go.

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 2023-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
I have an inquiry on my credit report from XXXX  XXXX  on XX/XX/2023. I've contacted them in regards to the inquiry that I never authorized. I've also reached out to Experian to remove this unauthorized inquiry with no avail.

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 2020-01-14
Company: Experian Information Solutions Inc.
State: NY
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:
I have 2 accounts on my credit that were " purchased by another Lender '' XXXX  XXXX XXXX XXXX XXXX CLOSED XXXX/XXXX XXXX XXXX CLOSED However, Experian has been reporting this inaccurate account on my credit report and they are the only bureau that is reporting these erroneous items on my report.

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 2021-03-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a care credit credit card since XX/XX/XXXX. I have paid this card off on more than 3 times meaning the entire balance. I paid the balance in full in XX/XX/XXXX. I received a letter today XX/XX/XXXX stating that my account has been closed due to a periodic credit report being pulled in XX/XX/XXXX that they dont feel Im credit worthy! And also that EVEN though the credit report is old it is their OPINION it wont change. I called the creditor and was placed on hold for a supervisor for greater than 10 minutes without anyone getting back on the phone. I am a XXXX American woman and I feel that my zip code and other identifiable information was obtained and used against me. The csr XXXX could not give me a legitimate reason as to why my account was closed but did tell me I could reapply if I liked to. Which is ridiculous because if my credit is to poor to keep an already greater than 2 years established account open why would I reapply. The website and company also states that there are programs and help for people struggling from the pandemic but that was never offered to me! This company closing my account is negatively affecting my credit and its unfair especially being that the card is not in default well wasnt in default it actually had a zero balance. I have 2 other credit cards with this company and the wayfair account was closed without proper notice or a reason why. I am very hurt and disgusted right now because this is just like redlining but with credit cards. I am a XXXX XXXX  and I have dedicated the last 25 years of my life to help people and to still be treated like a second classed citizen is still troubling.

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 2018-07-14
Company: CITIBANK, N.A.
State: LA
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:
Citibank N A is an unauthorized inquiry. Please remove within 30 days.

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 2022-08-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2016-08-24
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other

Complaint:
I opened an account in order to do a balance transfer from a Citibank card to XXXX XXXX. I attempted the transfer online but it did n't seem to work and I never received a confirmation from XXXX XXXX. I contacted them and did the transfer over the phone a day or XXXX later. The transfer took place but I noticed a negative balance on Citibank. It turns out the first transfer was processed. I have contacted Citibank to get a credit to my bank account to set everything straight. Citibank said the credit would happen in 3-5 days but it has now been 10 days. I contacted them again and now they are saying it will be two weeks.

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 2016-01-13
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When making a final payment on a closed account with XXXX, I found out that there was another phone line that was opened up in my name about 2 years ago, XXXX 2013. When I went to Credit Karma to obtain a credit report, and to find if there was any other illegal and unauthorized activity, I found out that there a home and auto loan that was also taken out in my name around the same time.

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 2017-03-20
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SunTrust Mortgage has not paid taxes on my property - the county is bothering the old owners of the house saying " taxes are due '' ... and will become deliquent on XX/XX/XXXX. 
I 've been in contact with SunTrust Mortgage, and they show that they did pay the taxes in XX/XX/XXXX, however, XXXX County in FL is saying that have not. 

They keep saying they are looking into the issue - however, I have not had any updates in two weeks. The deadline is quickly approaching.

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 2020-09-25
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/20 -I received a phone call from CBE GROUP , stating that I owed a balance of XXXX ( XXXX XXXX ). After information was provided, on a recorded line, I told the representative ( XXXX  ) to  cease and desist all forms of communication with me. The representative then became upset and asked why I was requesting a cease and desist action. Today ( XX/XX/20 ) I received a letter from the same company stating the same information, after I told the representative to no longer contact me ( cease and desist ). The debt in question has already been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
Nationstar/Mr. Cooper transferred the loan to XXXX when I paid XXXX off in 2017. Nationstar is reporting the loan on XXXX  as an unpaid chargeoff with a balance of {$19000.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX has charged my card for services that I am not able to access. I have tried to get a hold of them but due to no phone number, was unable to get into contact with them. I have put a stop on my credit card but XXXX is taking my money fraudulently and I want my money back for XXXX and XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: NV
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 our about XX/XX/XXXX, I received a letter From XXXX XXXX XXXX Account Number XXXX, Vehicle - XXXX XXXX XXXX, VIN # XXXX, CFPB Complaint No : XXXX, stating that XXXX XXXX XXXX & XXXX XXXX were unaware of any pending lawsuit. ( see attach ). 
As of now, XXXX XXXX and XXXX XXXX XXXX is reporting the above account as a charge off with XXXX balance. Records indicate that XXXX XXXX paid off the Vehicle in Full and paid off all repossession charges. Therefore the record on the credit bureaus should show paid off in full, since the car was never taken to auction or sold publicly, but that part of XXXX Agreement was to pay off the vehicle repossession fees and free me of any liability concerning this vehicle. 

The second problem was that XXXX XXXX/XXXX XXXX XXXX claim they were not aware of any lawsuit that I had brought against the company, concerning the above vehicle which only goes to show that XXXX XXXX/XXXX XXXX XXXX did not do thorough investigation before submitting there response to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began shopping for a mortgage in XXXX of XXXX  for a closing date of XXXX XXXX, 2020. I applied with two different mortgage companies to negotiate the best rate possible. 
One lender gave me a proposal that only included XXXX591 points. I emailed a copy of this to the Senior  Lender at the other mortgage company and he agreed to give me a credit in the amount of {$1100.00} which was reflected on the XX/XX/2020 Loan Estimate they provided me. 

On Saturday XX/XX/2020 at XXXX XXXX  I received an email with final disclosure and saying I needed to E-sign it to insure my closing date. The Loan Disclosure that came with this request did not have the Lenders Credit of {$1100.00}. I sent several emails to the Banker and the Purchasing Manager asking why the Credit was not included. Sometime on Monday XX/XX/XXXX I was able to get the Purchasing Manager on the phone ; however he said my Banker needed to answer my question and he had taken vacation. I ultimately signed the document and continued to ask questions about the disappearance of the {$1100.00} Credit. I have gotten the run around with no one answering my question. Then yesterday I received an email from the Banker and he said the team that had processed the loan in his absence told him that the Credit had been factored in some other place. I looked closely at the Consolidated Closing Statement and didn't see anything that remotely resembled the credit. When I asked the Banker to show me where on the Closing Statement the Credit had been factored in, I got no response and have not heard from anyone at the Mortgage Company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25
Company: OneMain Finance Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I fell behind on my monthly payments. The manager of the XXXX XXXX branch of One Main Financial harassed me at work. She repeatedly called me daily on both my cell phone and work phone. She even faxed proof of income request forms to my work fax machine that was publicly visible by my colleagues. She was told on several occasions that she was calling the office phone number ( which was a XXXX ) and not to call back by me and the manager on duty. She continued to call me at work which was stressful and embarrassing for me. After I XXXX, I accepted a new position but had not officially started work there. I had not provided any new job information or updates to my work phone/address etc. to One Main Financial.  Somehow she was able to locate the company which was out of state! She began calling my new employer. I did not provide the contact information but somehow she called the XXXX  manager and he contacted me about the phone calls. Again I was harassed and embarrassed at my new job. This was a violation of my privacy and completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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:
In XXXX, I had a credit card that was charged off with USAA. Since the charge off, I was informed that this credit card was included in bankruptcy and I could not pay it off. However, my bankruptcy was discharged almost a year prior to the charge off, and should not have been included in this action. After multiple attempts to pay off this charged off amount, in XX/XX/XXXX, USAA finally rectified the status of the account on their end, changing the status of the card from " bankruptcy '' to " charge off ''. However, during this time, USAA negatively reported to the credit bureaus that my account was consistently late and charged off, not included in bankruptcy which was the status they had in their system, preventing me to pay it off. I have finally paid off this card, and attempted to submit a complaint with USAA asking them to remove the negative reports as this error was due to no fault of my own. For almost 4 years, USAA reported my credit card account as " charged off '' for the amount of {$570.00}, however would not allow me to pay it off over the several attempts that I have made with them. I am complaining that due to USAA 's error on their end, prevented me to rectify this situation and pay the amount owed. Because of this, and since I have paid it off in full, I would like this account removed from all bureaus of the credit reporting agencies.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 sent several disputes to each one of the credit bureaus : Transunion, XXXX, and XXXX. They have yet to respond or provide me with any results!! I have been sending letters since XXXX XXXX XXXX and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Auto loan paid in full since XX/XX/XXXX XXXX.XXXX XXXX XXXX still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. I also received a email from XXXX stating, they do not contact the consumer reporting agency. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-08-05
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a few checking accounts at citibank. They are linked. One is supposed to be a charity account. For various reasons I had to downgrade the account to basic package ( I work at a XXXX and they had a special deal with citibank that citibank decided to renege on ). On the phone when I was ordering the account downgrade i asked if i needed to keep their minimum balance in all accounts ( since my charity account is constantly being emptied out for charity ). The rep said on the phone " no, the accounts are linked. as long as the total in all the accounts is over the minimum, there wouldnt be a charge '' ... Sure enough, there was a charge. I 've been wrestling with them for 3 days trying to get them to reverse the charge and standby the statement of their phone rep. They are refusing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief