BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
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: Their investigation did not fix an error on your report

Complaint:
I sent out my entire credit dispute to Experian. But I only have proof of XXXX. In XX/XX/2021 I mailed several documents to the certified. So I received a postcard saying " They were unable to honor my recent request because I did not provide sufficient information so that my identity could be verified. '' So I called the a week later and was asked the last 4 digits of my social, name, DOB, and my address and my account was able to be verified. The same way I sent letters to XXXX and XXXX and they deleted somethings in question with the same information provided. It seems like Experian is being bias and just trying to make this process hard and stressful.

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 2022-07-23
Company: Experian Information Solutions Inc.
State: CT
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:
E XPERIan Credit reporting agency have incorrect information on my credit file from XXXX  that does not belong to me there are several account from XXXX that has me Being late never had accounts for

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 2016-11-07
Company: CITIBANK, N.A.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Checking account number : XXXX Account Holder : XXXX XXXX My checking account was opened in XX/XX/2016. I fulfilled opening bonus requirements in XX/XX/2016. I waited for 90 days because the fine print stated it would be posted within 90 days after meeting the requirements. However, I have not received the bonus yet. 

On XX/XX/XXXX, I opened a case with Citi to review my opening bonus not being issued. Reply was that I had met all requirements but my XXXX was not certified. The bonus could not be issued without XXXX certification. 

The next day I sent a mail with XXXX certification to Citi 's XXXX back office as instructed by XXXX of Citi Associates. After XXXX weeks I contacted Citi multiple times to check the status but was told the XXXX was not updated. I asked if there was any alternative way to update XXXX. The Citi Associate told me the only alternative way is an in-person branch visit. The closet branch is over XXXX miles away from where I live. I see no fundamental difference between a mailed-in XXXX certification form and a faxed XXXX. I explained my situation and wished the Citi Associate could understand it and accept fax. However, the Citi XXXX adamantly refused to accept fax. 

So I drove for over XXXX hours on XX/XX/XXXX from XXXX, XXXX to the Citi Branch at XXXX XXXX XXXX, XXXX, XXXX XXXX to update XXXX status in person. I then called in on XX/XX/XXXX to check the status. The Citi Associate told me my XXXX status had not been updated and requested for more patience as it would take XXXX business days to update XXXX. On XXXX, XXXX business had passed since my in-branch visit, I called in again and was told my XXXX status had not been updated. This time the Citi Associate came out another innovative excuse : the in-branch documents I signed would need to be mailed to Citi 's back office so it would take XXXX business days for my XXXX status to be updated. 

At this stage, I do n't know if I can trust anything Citi states. Citi Associates give out misleading and disparate information to customers whenever information fit the situation. Moreover, the efficiency is unbelievably low. While I have been doing everything I can to resolve the issue, Citi has not take any pro-active action at all to help me resolve it since I raised this issue 5 weeks ago.

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 2020-06-17
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There has been a theft robbery and burglary cases involving me lately. My XXXX   XXXX me with XXXX and XXXX my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an XXXX took my cards and finding some way of using it to get a room at XXXX XXXX and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX XXXX XXXX XXXX XXXX XXXX and a numerous others. Please as she remove these negative items.

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 2017-07-15
Company: Activehours
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Bank account balance is still wrong

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, a Senior and resident XXXX with XXXX XXXX with complicated matters such as Mortgage and Modification. I have enlisted a Third-Party to assist with the submission of Making Home Affordable paperwork, who have submitted reams of paperwork for over two years without success. More recently, we again submitted a full and complete package using a XXXX Label provided by Wells Fargo on XXXX/XXXX/2015. We have called repeatedly, and NO LIVE PERSON will ever give an update as to the status of the Loan Modification Request. The persons who answers the phone, will direct the call to a phone number with a lengthly recorded message in very, very, low tone that is completely inaduble, with a promise to call the Third-Party. 
I am a house cleaner with limited income and is seeking a loan modification that will reflect my financials. TWO YEARS IS JUST TOO LONG TO WAIT! 
We were successful in having XXXX XXXX XXXX to Forgive the XXXX lien, This was a XXXX Subprime Loan 7.5 % Interest Rate!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Other fee

Complaint:
I was really hoping Macy 's had changed their bizarre practice of charging XXXX dollars after a balance is satisfied. I 've had a Macy 's card previously ( and currently ), paid the XXXX dollars after my total balance is settled, only to be charged XXXX dollars in subsequent months. When I 've called in the past, it has been explained as interest for the first month, and then a " mistake '' in the following months. The only way to stop the charge is to call and ask for it to be credited back -- and then I get charged again in the following month. I have found the most effective way to deal with this fee is to cancel the card completely. Luckily, I pay attention to my bills. If I were another consumer who did n't, Macy 's unfairly sets them up for late fees and additional charges that can impact their credit score. 

Thank you, 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 2015-11-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
a Fraudulent account was opened under my name without my knowledge or consent. I contacted the company 's customer service and fraud departments to inform them of this. 
I was told that I would be sent a fraud statement. They never did. They have harassed me via telephone ( my cell ) and I am now receiving letters from a collection company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A branch specialist at Citibank made an unauthorized teller withdrawal on my checking and savings account. I filed a fraud claim with Citibank, but they denied it due to a lack of evidence and said the decision can not be appealed. They also can not further investigate the matter because the branch in question is now permanently closed. If Citibank would pull up the security footage of the incident, it would clearly show that I was n't present for any teller withdrawal and did n't withdraw any money. What other options do I have to recover my 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 2016-06-29
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My complaint is mainly against M & T Bank 's Loan Officer XXXX XXXX and the team he utilized to work on my home mortgage loan. In Exhibit A, the bulk of my complaint/concerns are outlined in chronological order. To date ( XX/XX/XXXX ), I have not received an apology nor an explanation or answers as to why everything fell apart at the end and why the cost of their neglect fell on me. 

M & T violated the three-day closing rule : if the final CD is changed then closing has to be pushed back three days. M & T issued a final CD on XXXX/XXXX/XXXX with closing of {$1300.00} for settlement date of XXXX/XXXX/XXXX, then changed the dollar amount the morning of XX/XX/XXXX when they noticed that they missed the processing fee ( initially {$700.00} then revise the morning of closing to {$310.00} ) for XXXX and added it ( which meant settlement [ per regulation ] should have been rescheduled for XX/XX/XXXX to give the three day change ). The contract extension ended on XXXX/XXXX/XXXX and a new extension had not been sign ( nor was possible to get signed and on the books to push closing back again ; the home was still at risk for foreclosure and an extension would have meant starting the entire process all over again with the short sale approval from the seller 's bank ). It 's inexcusable and neglectful that the M & T loan officers/underwriters were not paying attention and doing their jobs which led to missing the processing fee and then trying to tack it on at the last minute. M & T needs to assume responsibility of the XXXX processing fee and reimburse the full amount that they neglected to add when it was first noted on the XXXX/XXXX/XXXX CD from XXXX. 
( The full complaint will be attached in a PDF. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I emailed cashnetusa to remove my financial information from their database because they no longer offer LOANS in California. I have not heard from them, so I am filing a complaint. I do not feel my financial information is safe at their website. They have changed my Loan ID XXXX to Payday Loan ID XXXX this is dangerous I do not want to be a victim of identity thief like I was in 2016. This is a serious matter their website could become HACKED, and my financial information will be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like the 3 Credit Bureaus : XXXX, Equifax, XXXX to take any fraud Alert or Freeze that they may have put on my credit reports. I personally did ask or request for any fraud alert to be placed on my file. I applied for a credit card which I should have been approved for and was informed that there was a fraud alert placed on all 3 bureaus that I was not aware of nor was I notified about. I did not authorize for any of the 3 bureaus to put an alert or freeze to be put on my credit file. As a result of this I have been having a problem applying for any credit card because they keep indicating I have a discrepancy on my file, because I am asked if a fraud alert or freeze was placed by me on my credit file with the 3 credit bureaus. Which I responded that I have not but was informed that there is. I want them to immediately take it off my credit file. In the future I am also requesting that I be informed and notified immediately if one is put on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Social Finance, Inc.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
First of all, a bit of background : I have a good financial history in the US including several credit cards, an auto loan and a mortgage ( FHA ). I make nearly XXXX per year and live in a low cost-of-living area, so most of my income is available to service my financial obligations. 

I applied for a student loan ( private ) and it was denied because the XXXX that was issue by the United States Department of Homeland Security ( DHS ) was not sufficient for the financial institution to proof my permanent resident status. 

I am in the process of renewing my expired XXXX XXXX XXXX - XXXX ( expired on XXXX/XXXX/XXXX ) and have received multiple extensions to my XXXX from the DHS - United States XXXX XXXX XXXX XXXX ( XXXX ) since then ; in other words, I have not interrupted my resident status since XXXX/XXXX/XXXX when I got it for the first time but unfortunately for me, the XXXX field office where my case is assigned to has a significantly large backlog. 

Having said this, the DHS has not issued a XXXX to extend my status, they just stamped my XXXX passport ( the stamp states that I am permanent resident and have work permit until XX/XX/XXXX ). 

When I explained this to SoFi Lending Corp. they told me that : " In order to move forward with the refinance we will need a document that verifies your XXXX status. Unfortunately we are not able to move forward with an expired XXXX card and your current documents provided for the extension, which would include the stamp on your passport. We will need the documentation that your renewal was approved or a valid XXXX XXXX XXXX. '' I feel that I am being discriminated based on my national origin by SoFi Lending Corp. The fact that the XXXX issued my with a non-conventional kind of XXXX than a XXXX does not constitute a valid reason to deny my application. The eligibility requirements stated in SoFi Lending Corp. 's web page stated ( at that time ) that the requirement to be eligible for refinancing my loan is to be XXXX ( which I was and still am ), not to have the kind of XXXX they want ( this is something completely out of my control ). 

The application was to re-finance the student loans I have after getting my XXXX in XXXX XXXX at XXXX University ( XXXX campus )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: PA
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:
All student loan accounts were marked as closed for an entire XXXX XXXX and were reopened as of XXXX. This is illegal and inviolation of my consumer rights. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 168 1b 2. This company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Info was marked as accurate which in inaccurate and I am entitled to cure forthwith and henceforth.

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 2022-07-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XX/XX/2022 I woke up to an email from PayPal stating that I can no longer do business with them and that they decided to permanently limit my account because my account was found to have a potential risk associated with it. The email I was sent has been given the following reference ID : Ref ID - XXXX and was sent on XXXX XX/XX/2022, XXXX. The email sender was XXXX. I have been an active user on PayPal for the last 8 months, having my account on permanent limit deeply cuts into every aspect of my life. The night before XXXX XX/XX/2022, I had attempted to withdraw an amount from my PayPal account I did not end up to complete the transaction. I am confused, would this be the reason why my account had to be put on permanent limit or what? I feel like I deserve a succinct clarification because I really do not understand this at all. I also realized that earlier on, PayPal had demanded that I was to confirm my identity, You've exceeded a regulatory limit on payments you can send in a year. To comply with regulations, we need to confirm your identity as the account owner. This will help you avoid account limitations. For some reason, I did not see the notification early enough ; just in case this was the reason I deserved a temporary limit until I confirmed my identity. I went ahead to confirm my identity and it was approved as of XXXX XXXX but still the account is on limitation. I've tried to contact PayPal about the same but the only response I got back was an automated message that didnt help to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX at XXXXXXXX XXXX  XXXX XXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$6500.00} the collection has been reported as pas due balance. I do not know this company. I have never done business with this company. This company does not have any contract with my signature. 

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.SC.C 1681B ( A ) ( 2 ) - No consent is identity theft

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 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit cards were closed and my credit worthiness has been jeoperdize because it seem to be compromise by other people. I am been denied a credit card despite I had a XXXX  score of greater than 800 about a year ago. Now i owe less than XXXX dollars of credit and i could not have a least one credit card because my XXXX  score is been compromise to be less than 500. See how this is possible? Also some credit history has been deleted out of my credit report. Like history of student loans I paid off.

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 2016-05-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX 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 explanation