BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a CitiGold Checking account on on XXXX/XXXX/2022 pursuant to a promotion mailed to my name and address. The mailing promised a {$1500.00} bonus for depositing {$200000.00} and maintaining that balance for XXXX days. The bonus promotion allowed the {$200000.00} to be kept in a CitiGold Savings account, which I opened the same day, to ensure my funds would earn nominal interest. On XX/XX/2022, I deposited {$200000.00} into my CitiGold savings account, and have maintained that balance ever since ( well beyond the mandatory 60-day period ). On XXXX/XXXX/2022, Citi posted a {$1000.00} reward to my checking account. On XXXX/XXXX/2022, I contacted Citi to thank them for the {$1000.00} bonus, and to ask when the remaining {$500.00} would post. A representative named " XXXX '' said Citi would look into it, and contact me by email. I received no email. On XX/XX/2022, I contacted Citi again. A representative named " XXXX '' confirmed that I had satisfied the requirements for the {$1500.00} bonus. XXXX also said no investigation had previously been initiated into my inquiry for the remaining {$500.00}. XXXX opened an investigation into the matter, and gave me reference number XXXX. As of this XXXX writing, I've still received no answer, and the promised remaining {$500.00} has still not posted to my account. Attached to this complaint are my account details evidencing that I've maintained {$200000.00} for more than the 60 required days, and my correspondence with Citi.

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 2022-07-02
Company: BOEING EMPLOYEES CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
BECU, XXXX, opened this account > XXXX XXXX  XXXX XXXX in my name. I never authorized this. I did not request it. It is not my account. I have receive a negatived hit on my credit score that leads to this bogus account. 

I also have noticed the following charge cards ascibed to me that I do not posses and have never signed up for. I do not know where they came from. I demand that they be dissolved and my name removed from all credit listings.These companies FRAUDULENTLY opened accounts in my name. I want them charged and prosecuted as such : XXXXXXXX XXXX  Not available XXXX... 
INDIVIDUAL As of : XX/XX/2022 Charge Card XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 Credit Card XXXX XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 Credit Card XXXX XXXX XXXX XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 THIS IS ILLEGAL. I AM REQUESTING THAT CFPB FORWARD THIS COMPLAINT TO WHATEVER GOVERNMENT AGENCY IS IN CHARGE OF CRIMINAL PROSECUTION OF THIS KIND OF FRAUD. I do not own these instruments. Or is the prosecution of XXXX XXXX and other economical havoc mongering criminal untouchables too much to ask of my government agencies charged with protecting all it's citizens and not just the obscenely rich? 

I demand BECU to close that account and restore my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Wells Fargo debit card was stolen in XX/XX/XXXX and charges were made for XXXX while it was not in my possession. Wells Fargo is telling me I am being blamed for the charges made and the funds will not be refunded to me. I have no idea who used my card and I have been depositing money on my account for years & even after I received the new card ( after fraud took place ). If, in fact, I stole my own money, I would not have deposited over {$4000.00} into said account for the bank to take my money. I wouldve let the account close and opened a new account with another bank. I feel like I am being discriminated against ha & accused of stealing my own money. I spoke with numerous representatives and they all told me multiple things. They all told me that they do not have any evidence that I stole my own money but they BELIEVE I know who took my money. I do not BELIEVE personal beliefs should be a deciding factor in this financial decision. My account has been in great standing since it was opened in XXXX. There is no reason to BELIEVE I would steal my own money from my own account.

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 2022-07-02
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: Reporting company used your report improperly

Complaint:
So I sent a letter off on XX/XX/XXXX to remove personal information that I do not want on my credit report.According to the fair credit reporting act 15 USC 1681 I have the right to privacy. 
Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights. 

This is my only address : XXXX XXXX XXXX XXXX, NY XXXX. 
My D.O.B is XX/XX/XXXX Last 4 of SS # XXXX I sent them a copy of my driver 's license and a current bill attached to the letter. 
I want these 2 addresses listed below to be remove from my credit report. 

Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2023-11-28
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Over a month ago we called Freedom Mortgage after we received a letter from the bank, XXXX XXXX, letting us know the Escrow check that we cashed did not go through and was denied by the paying financial intuition : Refer to Maker. This letter from XXXX XXXX was issued on XX/XX/XXXX. We attempted to cash the check on XX/XX/XXXX. 

This was the second escrow check we requested from XXXX XXXX as our initial check they sent us never made it to our house. We had to call and request a new one be issued and sent to us. As stated in our note from Freedom Mortgage " An escrow surplus check XXXX, which was sent to you on XX/XX/2023, in the amount of {$540.00}, was voided on XX/XX/2023, and reissued on XX/XX/2023, with the check number XXXX. Further we reviewed and determined that the check number XXXX was cashed on XX/XX/2023. Enclosed is a copy of your payment history for your review and records '' The issue lies that we NEVER received the money as XXXX XXXX was unable to retrieve the {$540.00} from Freedom Mortgage. We have made multiple attempts to further understand why the XXXX institutions do not talk to one another, but we have not seen the {$540.00} and have made multiple attempts through all of Freedom Mortgage channels. We have also called XXXX XXXX Multiple times to ensure we are not missing anything and the money was not placed in our account. All their records indicate they were unable to retrieve the 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 explanation
Consumer complaint received 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Give me back the money for all the junkfees I wad charged

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 2022-07-02
Company: MIDFIRST BANK
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I transfer money from my XXXX checking account to my MidFirst checking account it takes forever for MidFirst to credit my account. The first time it happened I called them & was told it took so long because it had to go thru the clearing house. I'm sorry I didn't document the dates but I did the next time it happened. On XX/XX/XXXX I transferred money from XXXX to MidFirst. MidFirst didn't credit my account untiXXXX XXXX XXXX, 16 days later! With practically everything being instant these days I'm having a hard time believing that if transfers really do have to go thru the clearing house it takes them 16 days!? I believe MidFirst is dragging their feet & not applying the funds to my account in a timely manner.

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 2023-11-16
Company: SLM CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Initially spoke on the phone with Sallie Mae and they agreed to a deferment, only for them to report the loan as delinquent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This complaint pertains to Consumer Fraud by XXXX XXXX and Dividend Fifth Third Bank. Dividend is under a " Solar Lending Probe '' by the Securities and Exchange Commission and has had to pay {$8.00} XXXX in penalties. I meet with a XXXX XXXX  salesman at my house and was told that with solar my electric bill would be {$96.00} a month total. I went into agreement with XXXX XXXX with this understanding. Never was there a mention of a XXXX from a Second party. My contract with XXXX XXXX was on XX/XX/XXXX with a completion date of XX/XX/XXXX. Work was not started until XXXX XXXX completion date of XXXX XXXX. The XXXX XXXX happened due to Dividend paid XXXX XXXX with no documentation of operational equipment. Also I was billed by Dividend for XXXX equipment in XXXX and XXXX. When I notified Dividend of this problem I was told to bad you still have to pay or we will lean your home. Also the signature on the XXXX document are a forgery not mine. There are hundreds of consumers that have had the same thing happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Public Record XXXX  XXXX Bankruptcy Reference number # XXXX XXXX  XXXX Account number # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Theses accuracies is stopping me from getting a new home for my family.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  ( Original Creditor : 06 XXXX  XXXX  ) XXXX Balance : {$0.00}

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 2023-11-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I used to have both checking and savings account at Citizens bank. I closed both of these accounts back in XX/XX/2023 and customer service from Citizens bank confirmed the closing of my accounts. However, I received a letter on XX/XX/XXXX from Citizens bank saying that I have a balance due of {$18.00} due to service fee charged to my closed checking account. In this letter from XXXX XXXX XXXX XXXX XXXXXXXX at Citizen bank, they claims that I am responsible for the amount due and would move forward with collection activities. This amount due was unauthorized service charges to my closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Recently I disputed transactions from XXXX XXXX that were prematurely closed. 

The disputes centered around XXXX separate food delivery purchases [ totaling {$140.00} each ] that were spoiled. XXXX has a satisfaction guarantee that doesnt seem to be honored in these instances. 

Per email correspondence from NFCU, I was to provide BY XX/XX/2023 the following : ( 1 ) Correspondence with the merchant regarding cancellation.

( 2 ) Proof of return for canceled or returned merchandise.

( 3 ) Terms and conditions surrounding your purchase.

( 4 ) Invoice for merchandise ordered.

( 5 ) Pictures. Details of purchases and how not as described for each meal.

Foremost, Id point out that closing these claims before XXXX XXXX XXXX XXXX XXXX doesnt honor their communication, as BY means on or before the stated date ( XX/XX/XXXX ). It also is indicative of NFCUs proclivity of : ( 1 ) generalizing these disputes ( analogously trying to fit square pegs into a circle ) rather that considering them individually and holistically ; ( 2 ) deterring consumers by requesting so much information ( of which much may not be needed or necessary ) ( 3 ) hastily denying disputes without thoroughly investigating matters; and ( 4 ) failing to apply logic.

Second, Id like to point out that some of the requested supportive documentation is unreasonable, given the type of purchase made. Also in the XXXX disputes submitted, I detailed that delivery orders are processed at the corporate level, and that I had no contact information for their corporate office. I affirmed that my communication took place in-store. The aforementioned and the length of time between the purchase and dispute submissions also should accounts for why I dont have pictures to submit. 

Additionally I also submitted a dispute for a XXXX membership that Ive been charged for that remains unresolved. 

I believe that NFCU uses an automatic system that fails to apply logic, reasonable deduction or complete thorough investigations for its secured card holders, despite its advertisements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # # # # XXXX Claim number for data breach : XXXX Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: IL
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:
On XXXX ( additional dates/ accounts numbers /tracking numbers are attached below ) I sent letters to the creditors and credit reporting agency regarding inaccurate and uknown items on my consumer report. To this day over 30 days later I have not received a response. I feel like Im being ignored an taken advantage of my dispute, Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete immediately these items off my consumer report. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15USC 1681b- 15USC e ( b ) - 15USC 1681a-2 ( A ) ( i ) They were also supposed to complete all investigations before the expiration period under section 611 ( a ) ( 1 )

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 2022-09-22
Company: Credit Karma, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a pre-approved credit card on credit karma for a XXXX  XXXX credit card and was denied after credit karma said i was preapproved for the card which has affected my credit score and unnecessary inquiries on my credit report. XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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: Reporting company used your report improperly

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department. Please block and remove all information fraudulent information from my credit report! The following items do not belong to me and is a result of fraud that I did not authorize. 


Fraudulent Inquires stated below 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX A XX/XX/XXXX Fraudulent Collections/ Closed accounts XXXX. XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NOTE/WARNING : DON'T REMOVE ANY ACCOUNTS THAT I HAVEN'T LISTED ABOVE BECAUSE I AM BUILDING A CASE ON THIS FRAUDULENT ACTIVITY AND SOMEONE WILL BE PROSECUTED AND SUED FOR TAMPERING WITH MY PERSONAL INFORMATION FOR THEIR OWN PERSONAL GAININGS. SO THERE IS NO NEED TO MAKE MATTERS WORSE BY REMOVING ACCOUNTS THAT ARE ACTUALLY MINES ON MY CREDIT PROFILE. THANK YOU!!! 

Please block and remove all information resulting from Identity Theft Pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states thst these accounts must be removed within 4 Business Days of Receipt. 

Sincerely, 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX has my account on collections which should not be in collections. Previously XXXX has said after submitting my insurance card at the time they will delete all collections that happened after that. In my attachments it's clearly shows I had insurance PRIOR to the collection date. I'm asking the beaurus to do their due diligence and the facts I presented to have these items deleted. And not just accept the companies response of " account is verified ''. I'm also uploading my license and social to verify myself so the besrud don't mail me asking for it.

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