BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My husband was a XXXX XXXX XXXX at a XXXX in the XXXX   XXXX in XXXX XXXX, LA. On XX/XX/XXXX he was terminated from his job due to COVID-19. He is waiting now for unemployment assistance to begin but has not yet received any funding from unemployment. 
I have called all of out debitors and made arrangements to defer payments of credit debt with a good deal of success and cooperation from everyone except Citibank. 
I have 2 accounts with Citibank, one account is closed and I am paying off the balance. I closed the account after the bank bailout in XXXX when Citibank wanted to increase my interest rate to more than double what it was. I have been in excellent standing making payments on this account for over 12 years. Including prior to the bailout and closing my account, right up until my XX/XX/XXXX payment. I also have a Home Depot credit card that is backed by Citibank, also in excellent standing with payment history. 
I have made numerous calls and spoken with their customer service about deferment of my monthly payments due to hardship since my husband lost his job, but they continue to tell me they have nothing in place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I feel hopeless now knowing that I will most likely lose my property in XXXX since Wells Fargo can not stop the foreclosure scheduled in XX/XX/XXXX of this year. I have to work nights and days to keep up with my bills especially my mortgage. The last time I spoke to XXXX XXXX, Wells Fargo rep, they are still working on my case. Almost every week I am getting a letter postponing the resolution of the issue. I have a pile of correspondence with this bank. Yesterday I got a call from XXXX with no result except to call me today. I bet it is to tell me that they are working on the problem and they will get back to me in XXXX weeks, which is going to be the foreclosure date. 
Investors can not stop calling me. A month ago, Wells Fargo wanted my lawyer to help them out because obviously they can not solve the problem. The thing is I explained to Wells Fargo from the get go what was the problem. I am very specific but instead they keep on lying to me. They tried to play all sorts of tricks with me and right now who is the biggest loser? Me, the little guy like always. 
Wells Fargo makes things so difficult for customers even to leave a message for their reps it is a burden. They have XXXX digits for extensions. When you speak to these people they give you the impression that their bureaucracy is very intense. You will never be able to speak to the main person. NEVER! There is always a middle man. I do n't have anything against XXXX ; she may be a wonderful person. But she can not make any decision in this matter ; she just transmits someone else or a group of people words. Their lawyer suggested me to hire my private attorney when by having a mortgage with them, they suppose to defend. Guess what one of the investors told me Wells Fargo is the one whom filed a lawsuit against me in XX/XX/XXXX in order to register the deed. Their lawyer told me they had to do it because I was complaining about it. Right now I am desperate because in XXXX days that is the end of my property ownership because Wells Fargo is careless and negligent in conducting business with me. Noone in there wants to correct their mistakes. I also spoke to their attorney, whom refused to help me stating she is representing Wells Fargo and that I need to look for my own attorney. And I had to, in the name of XXXX. Now they do n't want to pay for the legal fees. It is unbelievable.

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 2020-06-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX ( owner of XXXX XXXX XXXX ) to ask the TOTAL payoff amount of my Acct # XXXX. The original debtor was for an Ann Taylor credit card account. Associate on the phone advised me ; " the total payoff amount TODAY is {$240.00}. '' I paid that exactly that amount by phone on XX/XX/XXXX. 

Yet today ( XX/XX/XXXX ) I received a letter stating the {$240.00} I paid was the " 1st installment in a payment arrangement. '' This is inconsistent with what I was told by telephone. So despite my paying this account in full, I find myself being extorted for another payment in the same amount ( much more than the original debt ). And the company has not even posted the payment I made to the credit bureaus. When I made the settlement payment I asked the associate when would a letter be sent to me confirming the paid off status so I can submit it to the credit bureaus. She stated " we have already posted paid off 's for this month, and will not post again until next month. It won't be reported to the credit bureaus until then. '' It has already been one month, and my paid off status has not been reported to the bureaus. The demand for a second payment is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: TX
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 Credit Bureaus have been ignoring my requests for the correction and update of the disputed accounts that are reporting erroneous information on my Credit File. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to report accurate information and verify the accuracy of the accounts and information on a consumer 's Credit File. Also, the Credit reporting Agencies have failed to respond to my dispute letters that I have been sending to them. These action by the Credit Reporting Agencies is a clear violation of FCRA and is punishable by law. I am submitting this CFPB complaint to request to the Credit Bureaus once more to correct, update and or remove the following accounts on my Credit File that continues to report erroneous information : XXXX FL XXXX XXXX XXXX Owed : {$6000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Also, I have been requesting that the Credit Bureaus send me copies of proof of verification from their investigation of my disputes. However, the Credit bureaus have been failing me and were not able to send me copies od documents I have been seeking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: CO
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:
Equifax XXXX XXXX and XXXX  are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
I applied Wells Fargo XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX, 2015, and got declined due to less of relationship with Wells Fargo. I do n't understand why no prior business relationship could be a credit card application decline reason. My interpretation of this credit decision is trying to force consumer apply their other products first to be eligible for their credit card approval. ( for example, banking accounts, etc ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: FL
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:
After reviewing my credit file I noticed several wrong items that I require to be corrected. I decided to file this complaint for myself without the help of anyone. I am requiring that XXXX, XXXX, and Equifax permanently remove the following from my credit file immediately. These accounts are not mine XXXX XXXXXXXX XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX, XXXX, XXXX. There are hard inquiries that have shown to be on my file I did not sign for or authorized. Remove the following inquiriesXXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US SM BUS ADMIN ODA. There are also addresses listed that are to be removed such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XX/XX/XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect XX/XX/XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into the Unemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I have requested to verify through the physical verification of the original signed consumer contract. Trans Union has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove the names listed on my credit file, the only name that should be listed on my credit file is : XXXX XXXX Please remove the address listed on my credit file, the only address that should be listed on my credit file is : XXXX XXXX XXXX XXXX, Alabama XXXX The following accounts should be removed from my credit file XXXX XXXX {$3000.00} XXXX XXXX XXXX {$610.00} Please see the attached documentaton

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 2015-10-05
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Case # XXXX Ref : XXXX XXXX DISPUTEIn response to XXXX XXXX Executive Mortgage Specialist for Wells Fargo. After doing a lot of research, hence my delay for getting back quicker. I have to say that XXXX XXXX did not include all the correspondence that I have received from Wells Fargo. She failed to include the letter dated XXXX XXXX. XXXX and another dated XXXX XXXX,, XXXX, the letters included in HER response dated XXXX XXXX and XXXX XXXX, XXXX were not received by me, and looks like they were computer generated letters. She also did not answer my complaint about XXXX XXXX XXXX foreclosing my property in violations of NOTICE TO MITIATION CONFERENCE PURSUEING RHODE ISLAND GENERAL LAWS & XXXX, which states the NOTICE must be mailed no later than 60 days of the sale Date. Enclosed is a copy of Chapter XXXX Section XXXX XXXX XXXX XXXX ( RI ). First notice was sent on XXXX XXXX and XXXX Notice on XXXX XXXX. I am also attaching all the correspondence and the monthly financial worksheet reflecting my monthly income and expenses ; the modification that was awarded on XXXX XXXX, XXXX was a standard modification and by HAMP guidelines if the first modification fails I should qualify under the HAMP Program, also my circumstances changed as I got divorced on XXXX XXXX and was a loss of income. Once again, I want to thank you very much for your assistance in this matter. I definitely do not want to lose my property and its bad enough my tenant is being harassed by XXXX XXXX XXXX who continues to come to the property attaching letters on all doors. I hope this matter will be resolved in good faith, so the foreclosure can me recinded and I can be approved for loan modification and go on with my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: FL
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:
XXXX   XXXX   XXXX   XXXX  show me being late on paymen ts 180+ da ys from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my credit file I noticed several wrong items that I require to be corrected. I decided to file this complaint for myself without the help of anyone. I am requiring that XXXX, Transunion, and XXXX permanently remove the following from my credit file immediately. These accounts are not mine XXXX  XXXX XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  Bankruptcy XXXX, XXXX, XXXX. There are hard inquiries that have shown to be on my file I did not sign for or authorized. Remove the following inquiriesXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US SM BUS ADMIN ODA. There are also addresses listed that are to be removed such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2022-04-14
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover never researched the fraud charges. I know they did not because the Police is still investigating and waiting for documents. I have asked to see every one of the charges. Also the name of the clients the lawyer charged me for, I've never been to XXXX let alone see a lawyer. I NEVER AUTHORIZED ANY CHARGES. THAT PERSON TOOK ALL MY CREDIT CARDS AND DRIVERS LICENSE. I WAS UNDER EXTREME DERESS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TO MEET HIS DEMANDS, " OR ELSE '' I'M XXXX XXXX AND DISCOVER IS MAKING ME MAKE ALMOST {$800.00} PAYMENTS A MONTH LEAVING ME WITH NOTHING TO HAVE FOOD, MEDICINE ETC. I DID NOT DO THIS!!!!!!! 

ALSO WHY DID DISCOVER GO OVER MY CREDIT LIMIT BY {$19000.00} THIS IS WRONG. I SHOULD NOT HAVE TO PAY ANYTHING BUT DISCOVER WILL NOT HELP AT ALL. THEY HAVE BEEN TERRIBLE TO DEAL WITH. BUT GOING OVER THE LIMIT NEVER HAPPENS ON OTHER CARDS WITHOUT NOTIFYING ME AND CERTAINLY NOT {$19000.00}. 

I'M PROTESTING THIS TERRIBLE INJUSTICE. THEY NEED TO HELP ME AND REVERSE THE CHARGES LIKE IT SAYS IN THEIR TERMS. 

I WAS IN FEAR FOR MY LIFE, XXXX AS I SAID, THE FAKE DETECTIVE TOOK ALL MY LIFE 'S SAVING " OR ELSE '' CHARGE ON OTHER CARDS, HOWEVER THE BANKS ON THOSE CHARGES GOT REVERSED. 

I WILL FIGHT THESE CHARGES TO GET THEM REVERSED PLEASE HELP ME CFPB, THEY ARE WRONG DOING THIS TO ME. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, it became apparent that I had hail damage on my roof and it had started leaking. I contacted my insurance company who provided a very good detailed step by step plan on what to do. Got a XXXX who replaced the roof. Called Navy Federal Credit Union to understand how to handle the claim check. We reviewed the requirements XXXX times. I got the first settlement check and sent it as instructed to NFCU. A week later they informed me via email that there were other things that had to be done. They were returning the check to me. After XXXX weeks and numerous phone calls it appears they lost the check. It took XXXX more weeks working with the insurance company and NFCU to get the check replaced. I live in XXXX, XXXX. I was in the states and kept contacting them to get everything needed done prior to my return to XXXX. They claimed they got everything cleared with the insurance and would deposit the check. I had already paid {$24000.00} out of pocket for the repairs. The first check for {$13000.00} was deposited to my checking account. I transferred just under {$12000.00} to my XXXX credit card. XXXX days later NFCU withdrew the check stating it was fraudulent. 
I have called them over XXXX times and emailed XXXX times. I have received XXXX emails with limited information and XXXX phone calls which did not resolve any of the issues. I leave voicemail each time I call as I have never caught anyone at their desk. Today I have been informed that the insurance company is issuing the check for a third time in XXXX days. NFCU has withdrawn all my savings, charged me several fees, caused me to be charged fees from XXXX, cost me several overnight mail charges which were a waste of time and interest on my Line of Credit and XXXX credit cards. Cost out of pocket exceed {$400.00}. 
Now they are taking all the money out of my adult children 's accounts to try to cover some of the cost. 
I have been on hold now for over an hour. They apologize and state that it was their fault, but each time they apologize it cost me {$100.00} or more. 
I paid to have the second/final insurance check overnight. They received it on the XX/XX/XXXX. Thus, far they still have not acted on that check. I understand it is the holiday season with many people on vacation, but they do n't stop charging me interest. 

They admit negligence in handling this issue, but have not resolved the issue yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2022 I contacted Experian about the following negative accounts ; XXXX  ( Account Number : XXXX, Date Opened:XXXX, Balance : {$930.00} ), XXXX ( Account # XXXX, Date Opened:XXXX, High Credit : {$180.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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