BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: WELLS FARGO & COMPANY
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In  XXXX  I reported m y Wells Fargo cr edit card stolen. At that time the Representative said they would mark my card stolen and I would not be responsible for the charges.Fast forward to  XXXX   XXXX , I started looking in to buying a home and was told there  was a Wells Fargo account showing I still owed a large amount. I knew this to not be correct. I called Wells Fargo and was told my card was never listed as stolen and I was expected to pay.A week later I received a letter from the IRS that th ey would be taking my tax refunds. I wrote back to the IRS that my card had been stolen, they wrote stating I needed a police report and a statement of what happened with a copy of my driver license and social security card, this was sent to the IRS in  XXXX   XXXX . I also spoke t o Wells Fargo ag ain the Representative said they have not sent me a statement since  XXXX . That is when I finished paying my portion of the debt {$2600.00}. I have always changed my address and have had car loans wit h Wells Fargo. Wells Fargo sent  a letter back stating that since I paid they would hold me responsible for the remaining {$5200.00}. Even though I sent in my police report by fax in  XXXX   XXXX . I have not heard fro m the IRS and I did receive my tax return. I will be uploading the documents that were sent to the IRS and Wells Fargo.

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 2016-11-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
I have recently come to the conclusion that I have been victimized by the work from home online business scam and I would like assistance disputing the charges paid to these fraudulent company. I am requesting all transactions with a company by the name XXXX XXXX XXXX, XXXX on my Simplicity card be disputed I paid them on XX/XX/2016, after they contacted me by an unsolicited telemarketing phone call.They charged me {$3000.00} for an online at home business. They charged me {$500.00} on my card and they were supposed to charge my bank account a monthly of {$120.00} per month. I cancelled my services with them within the 3 day cancellation period. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The collections that are reporting is inaccurate. I would like to see these collections removed.

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 2016-01-29
Company: CITIBANK, N.A.
State: MN
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
XXXX issued a {$50.00} " rebate card '' that showed an expiration date but did not state anywhere on the card that the balance was forfeited at that time. The call center manager XXXX agreed that this was deceptive and had me contact his supervisor, XXXX Agent ID XXXX, a member of corporate support team CITI prepaid. Their phone number is XXXX. The card number is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This is a horrible practice and should have the same 5 yr ( at a minimum ) time limit that gift cards have as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Best Buy Card has not provided enough information about a debt I owe and says it will " charge off '' the account. I already closed this account with no other issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hi, my name is XXXX XXXX and I would like to file a complaint on Capital Network Funding in XXXX, CA. About a week ago i had submitted documentation regarding to a mortgage refinancing with today 's low 30 years fixed interest rate thru this mortgage lender. First I was approved base on documents i had submitted to the lender which includes income from XXXX for XXXX, our XXXX month worth of paystubs from our employer prior to family leave, XXXX 's for XX/XX/XXXX and XX/XX/XXXX, and XXXX months worth of bank statements and I also signed the initial disclosures package from the lender. A day or XXXX days after i submitted these documents needed from the lender, I received a phone call and an email stating that my wife and I are not approved due to our supplement income from family leave and the mortgage company will not proceed unless my wife and I are fully back to work with verifiable income from our employer. The cause is for us to go back to work and cut our family leave time short in order to get an approval and proceed with the loan. 

Below is a copy of the email from the mortgage company statingDate : XX/XX/XXXX XXXX XXXX ( XXXX ) To : " XXXXXXXXXXXX ' '' & lt ; XXXXXXXXXXXX & XXXX ; Cc : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Subject : RE : Your Loan Proposal- Network CapitalXXXX. XXXX, I have your file ready to go to underwriting, but I need you to return to work ASAP to use your income to qualify for the loan. 

Please advise when this can occur so we can secure the rate lock. The rate will not be locked nor can I honor the exception until I have a WVOE or assurance that you have returned to work. 

Let me know when this can occur. 

Thank you. 


Sincerely, XXXX XXXXManager | Direct LendingPlease see below press release XX/XX/XXXX if I may fall into the same category and advise what I should do. 

HUD No. XXXX XXXX ( XXXX ) XXXX XXXX FOR RELEASETuesdayXXXX XX/XX/XXXXHUD SETTLES DISCRIMINATION CLAIM AGAINST CALIFORNIA MORTGAGE LENDER ALLEGING IT DENIED LOANS TO WOMEN ON MATERNITY LEAVEWASHINGTON - The U.S. Department of Housing and Urban Development ( HUD ) announced today that XXXX, CA based mortgage lender XXXX XXXX XXXX will pay {$48000.00} to settle allegations that it violated the Fair Housing Act when it denied or delayed mortgage loans to women because they were on XXXX. 


Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CITIBANK, N.A.
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a citigold checking account because of a promotion that they were running for XXXX XXXX XXXX miles. There was nothing that stated it was an invitation only offer and I fulfilled the obligations to the offer. They confirmed that I completed the requirements in XXXX. Now however they refuse to fulfill their obligations. They state that I was not targeted for the promotion.

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 2015-10-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Home depo credit card, citi bank reported my account late to my credit report. I have my a payments set up on auto pay through my bank account, I had no knowledge that they had not received a payment until today. Today XXXX was the first call made to me by citi bank to advice account was past due. I immediately set up payment as I do not want my account in bad standing, nor would I have every allowed it to be late had I of known earlier this account was not being automatically paid. Citi bank XXXX home depo credit ) advised and confirmed that they had NOT reached out prior to today to get ahold of me to advise they did not received payment and now is 90 days late. You always received a call by any creditor to advise of this type of status before being reported to your credit so you can resolve it. I again, was NEVER advised until today after it was already report and that was confirmed by them. I also immediately paid once I got call, I believe that any type of negative reporting on my credit from Home depo/Citi bank is not accurate and was done wrongly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Late fee

Complaint:
My citibank Mastercard had a due date of XXXX XXXX, 2016. This is a Sunday. 
I paid my Mastercard bill, using my online banking, on Monday XXXX XXXX, 2016. 
Citibank charged me a {$27.00} late fee. 
I called and asked them to refund this fee and they refused. The reason they gave is that I had already received a refund of a late fee in calendar year 2016 and that their policy is to forgive only XXXX per year. 
I pointed out that my payment was not late, due to the impossibility of my paying it on Sunday 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 monetary relief
Consumer complaint received 2022-05-17
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1. The following account is not mine DISCOVER BANK Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX  and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am writing to complain about the extremely poor handling of an identity theft situation at USAA, which has never been resolved. This is the first time I have experienced identity theft, and I am shocked at the haphazard way that USAA handles fraud situations. 
I discovered in XXXX of this year that XXXX accounts were opened in my name ( received a statement by mail ), although I have never had any kind of account with USAA. I immediately called the fraud number, assuming they had a system of handling such situations efficiently. However, I found that was not true. I had to call over and over, each time getting another agent, and having to explain my situation again and again. I also received conflicting information from the various employees I spoke with. Many of them promised to call back, and only one ever did. I was not allowed to speak to anyone in the fraud department. They refused to assign one person to my case. 
I was told that someone had enough personal information about me to be able to get through their security questions in order to use the accounts. This was very concerning to me. No one in the fraud protection system seemed to have an efficient process to investigate the situation, or to insure me that my identity was protected.

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 2023-01-20
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX 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 states : 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause 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 non-monetary relief
Consumer complaint received 2022-05-17
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to receive assistance in getting my mortgage on track and up-to-date after my forbearance ended. 

At the time my forbearance period ended, Midland Mortgage purchased my mortgage from XXXX Mortgage in XX/XX/2021. I called Midland at that time and every few weeks since and each time I was told I was in the forbearance process and to please be patient it could take up to 90 days. I was told by Midland that they were trying to get any modification that was being processed by Dovenmeuhle- I told them I didnt think there was any serious attempt for modification by Dovenmeuhle because the loan had been sold. Midland asked me to be patient. 

I received a letter in XXXX stating Midland was processing my loan modification and Id have something in 10 days. I called and was told that the modification needed to be submitted to the VA for approval, afterwards I was told there was a Mistake by Midland and they needed to resubmit to the VA. I have been sent bills for the entire forbearance amount and Midland continued to ensure me I was in the process and not required to make any payment until a modification is determined. 

I was asked to submit documents for mortgage assistance a few months back and clarified with Midland that I wasnt applying for mortgage assistance and I wanted a modification per the CARES Act and VA guidelines. Midland told me to disregard any emails requesting assistance documents and everything was proceeding and I have nothing to be concerned about. 

A week or so ago, I was asked for more documents to apply for mortgage assistance and I must apply to retain my mortgage. 

I spoke to a manager who said she couldnt figure out what was going on and it didnt make sense and shed get back with me. 

I have recorded most all phone calls that describe what Ive outlined above. I started recording after a month or so when I was getting a strange feeling and felt like I was getting a run around.

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 2022-05-17
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I initially called on XXXX when my card was declined making a purchase. I checked my card to find I had a XXXX balance. There was previously over {$1100.00} on the card. I spoke to representative on XXXX and initiated the dispute. She told me to fax the statement back she was sending me with disputes highlighted by the XXXX. I sent it back by the XX/XX/XXXX. I then followed up on the XXXX to make sure they received my fax. They did and said I'd receive a provisional credit by the XXXX of XXXX while they investigated the claim. I called today to find out they denied my dispute of {$690.00} with no explanation except " Conflicting information ". They said they'd send me a letter. No provisional credit, no investigation, nothing. I was blown off by the representative on today 's date of XX/XX/XXXX with no chance to appeal over the phone. I was never sent a dispute form either. I was told to just " Write the dispute amounts on the statement she was sending me. "

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
USAA credit card is continuing payment holds on funds submitted. I paid {$400.00} on Friday, XXXX XXXX, 2016 and it was released from my bank ( XXXX XXXX XXXX yesterday XXXX/XXXX/16. Can you please talk to someone in billing of USAA Credit card at ( XXXX ) XXXX and straignted this issue out. I would greatly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
On XXXX XXXX, XXXX, I purchased approximately {$100.00} of goods from Macy 's on my Macy 's credit card. I did not receive a bill, nor did I get a reminder e-mail about my amount due, and accordingly time passed and I eventually forgot all about it. I pride myself in paying all my bills on time, and was dismayed when, XX/XX/XXXX, I received a Macy 's bill in the mail for {$240.00}. There had been no notice on my credit reports that this bill was overdue, nor did I receive any other notification before the XXXX bill. I called Macy 's and spoke with an argumentative woman who insisted I had signed up for e-bills when I first opened the credit card, over three years ago. I told her I had received no bills, no notification of any kind, not even an e-mail, and she said it was my responsibility to check my Macy 's account to see what was due and pay it accordingly. I have never looked at my Macy 's account online, nor do I believe I have an account there. Regardless, they should have sent me an e-mail notification, or I should have received notification with my bill paying service, as I have from Macy 's in the past ; but I received neither. I asked to speak to a manager, who was even more argumentative. She agreed to take the current late fee of {$38.00} off, but no more. I told her that my account has always been in good standing, and that I originally had a Macy 's account XX/XX/XXXX and she laughed, probably because she had n't even been born then. I became very angry and told her I wanted to pay whatever I owed and close the account. She began arguing about all the reasons I should keep my card, and I told her, " I 'm done arguing with you. Please let me pay and close my account. '' She would not let me pay with the XXXX XXXX credit card I use for most purchases, saying I needed to provide a checking account number, which I reluctantly did. I ended up paying {$190.00}, and she finally closed the account. A few days ago, I received notification from XXXX XXXX that my credit score had been impacted by some activity. I learned that on XXXX/XXXX/XXXX, Macy 's had reported my account overdue by 60 days. My account was actually overdue by more than 120 days. They had every opportunity to file with the credit agencies when I was late after 30 days, but did not because ( I believe ) they knew I would find out then that my bill was overdue. I also wonder whether the reason they filed it now is in retaliation for how angry I was when talking with them. I know Macy 's is a large company, but this practice of not notifying card-holders when bills are due so Macy 's can increase their profits is abhorrent and needs to stop now.

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 2015-04-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
SEARS claims I have a balance with them and never paid them therefore sending me to a ( without notifying me nor by mail, phone call, or e-mail ) collection agency on the balance that was not accurately or at all mine

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