BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a promotional offer for a Citigold Checking account with Citibank XX/XX/2016. The terms of the offer were to fulfill {$1000.00} in debit purchases and XXXX separate bill-pays in two consecutive months within the first three months of account opening to receive XXXX AAdvantage miles 90 days after the promotional requirements were fulfilled. I fulfilled my requirements on XXXX/XXXX/16. 

Long story short, after battling with Citibank about the promotional offer being attached to my account or not, I 've since received two explicitly written letters confirming that I was indeed enrolled in the aforementioned promotional offer and would receive my miles by XXXX/XXXX/16. I still have n't received the miles, and the executive office told me today, XXXX/XXXX/16, that I would n't receive the miles for another 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a credit card with Wells Fargo. I previously owed XXXX $ on it. I paid that off a few months ago. I thought I had paid off the entire debt but apparently owed XXXX $ in interest. This was not showing up in my online accounts as being still owed. Eventually I got a letter from Wells Fargo saying they were closing my credit card account and sending the XXXX $ which was now XXXX $ to credit reporting agencies. I have had about XXXX $ in my Wells Fargo checking account the whole time. I called Wells Fargo because my credit card account is still showing XXXX balance. The lady I spoke with said she was requesting this to be dropped. I got a letter about 2-3 weeks ago saying Wells Fargo had researched it and their information was correct. They were reporting it to credit reporting agencies. I called again today and spoke with someone who said he was going to remove the problem from credit reporting agencies because the debt of XXXX $ was based on interest. I do n't understand that. I asked why they did n't just pay the remaining balance from my checking account. He said that his department could not take payments from me. Nobody has offered to reinstate my credit card. I am very frustrated. Incidentally I also have a mortgage with Wells Fargo. I have been thinking of trying to refinance with a different company because I do n't trust or like Wells Fargo. Perhaps they are trying to make my credit worse so I can not refinance the loan, although they are so huge, there would be no reason for them to care about my measly XXXX mortgage. Please assist. I would like for them to reinstate my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: CA
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 a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX : ending in XXXXXXXX XXXX XXXX  : ending in XXXX XXXX XXXX : ending in XXXX XXXX XXXX  : ending in XXXXXXXX XXXX XXXX XXXX XXXX : ending in XXXX XXXX XXXX XXXX : ending in XXXXXXXX XXXX XXXX  : ending in XXXXXXXX XXXX XXXX XXXX : ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by Santander who has since stated that the debt was fraudulent and have removed me out of their system. now i need XXXX XXXX to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
it was payed-should have never been reported-credit protection if I could I would XXXX for this false report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
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 submitting this complaint on behalf of myself and not any third party. I sent a letter to Wells Fargo certified mail tracking number XXXX it was delivered on XX/XX/21.

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 2022-01-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2015-05-08
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX, at XXXX I received a phone call from a man who stated his name was XXXX ( no last name ) and that he was with United Collection Bureau. He was rude, abrasive and continued to cut me off in the middle of my sentences. He was calling in reference to my Husband alleged account. My Husband 's name is XXXX XXXX ( there are over XXXX in our area alone ) so I informed XXXX that I would confirm last XXXX of social or date of birth if it was the correct person as we have had some identity issues lately. XXXX than told me that he would just call my Husbands employer and terminated the call. 

This behavior is not professional in the least. I have the recording of the call and did inform XXXX at the start of the call that I would be recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Chexsystem continues to report information on my Consumer Report after being notified its a result of ID theft and in violation of my request to block that information under FCRA Section 605B and 623 ( a ) ( 6 ). They responded that it was validated but how can an account that is NOT MINE and a result of ID Theft be validated????? I have never had a bank account in my entire life and use a payroll card for all my bills and finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
EQUIFAX IS REPORTING A TEN YEAR OLD DISMISSED CH.XXXX BANKRUPTCY ON MY CREDIT REPORT AND REFUSING TO DELETE IT. THEY ARE RESPONSIBLE FOR XXXX COMPLAINTS AND SOME LAWSUITS. I FILED A XXXX COMPLAINT ON THEM CONCERNING THIS MATTER AND FOUND OUT THEY HAVE XXXX COMPLAINTS AGAINST THEM. I WOULD LIKE YOU TO INVESTIGATE EQUIFAX AND ALSO A XXXX COMPLAINT THAT WAS MADE AGAINST THEM ON XX/XX/2015 BY ANOTHER CONSUMER. THIS CONSUMER FILED A VERY COMPARABLE COMPLAINT TO THE COMPLAINT I MADE AGAINST THEM AND EQUIFAX DELETED IT OFF OF THERE CREDIT REPORT WITHOUT ANY PROBLEMS .SO IT LOOKS LIKE EQUIFAX HAS ITS PICKS AND CHOOSES WHO CREDIT IT RUINS FOR YEARS AND WHY THEY ARE ALLOWED TO RUIN PEOPLES CREDIT FOR YEARS. PLEASE LOOK INTO EQUIFAX AND THE XXXX COMPLAINT DATED XX/XX/2015. I AM REQUESTING FOR EQUIFAX TO DELETE THE DISMISSED CH. XXXX BANKRUPTCY AND TO SEND ME A UPDATED CREDIT REPORT AS SOON AS POSSIBLE. THE FAIR CREDIT REPORT ACT MENTIONS NOTHING IN SECTION 1681 C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILINGS. THEY HAVE NO RIGHT TO MAINTAIN INFORMATION WHICH THE GOVERNMENT HAS DEEMED NONEXISTENT. PLEASE INVESTIGATE THIS COMPANY. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is involving my credit card account with Barclays Bank. 

My XXXX statement was released on XX/XX/XXXX for the period between XX/XX/XXXX - XX/XX/XXXX The statement started with a {$0.00} balance, I pay the card off in full every month, and I made {$500.00} in purchases during the XXXX statement period. The full amount due was {$500.00} and the payment due date was XX/XX/XXXX. 

I made a payment in the amount of {$500.00} on XX/XX/XXXX. That payment was reversed the same day due to insufficient funds in my bank, and the payment was resubmitted and successfully went through XX/XX/XXXX. 

An interest charge of {$0.00} was added to my account on XX/XX/XXXX, after initial payment was reversed. However, because the the payment wasn't due until XX/XX/XXXX, there was never any " Balance Subject to Interest '' in my account at any point and interest should not have been charged. 

On XX/XX/XXXX I spoke to a customer service representative about this interest charge, who said that the interest had been assessed correctly, but that she would add a " credit '' to my account in the amount of {$0.00}. 

On XX/XX/XXXX, this credit had not posted to my account. I spoke to three customer service representatives who did not acknowledge the error and also said that interest had been assessed correctly. They did not see a credit added to my account, but added the credit again, which I saw successfully posted. I requested a callback from a supervisor at Barclays to address the initial error. 

On XX/XX/XXXX, I received a callback from a customer service representative who initially refused to acknowledge that an error had been made. After 20 minutes, she put me on hold to look into my account again, and said that the interest charge was a result of a " banking error '' On XX/XX/XXXX, I reviewed my monthly statement for the XXXX period and saw that it reflected a " Purchase Interest Charge '' of {$0.00} with an " Interest Charge Adjustment '' ( made manually, after multiple phone calls ) of - {$0.00}. 

On XX/XX/XXXX, I called customer service to get confirmation that their banking error had been fixed and that I would not be impacted again. The representative told me that it was not a banking error, and that I was properly charged interest. No notes had been made in my file that a banking error occurred, or that there was any action taken to address the error in Barclay 's system.

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 2020-04-18
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES AS IDENTIFIED AS INQUIRES THAT WAS PLACED AND REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO DEAL WITH THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INACCURATE ACCOUNTS AND INQUIRES HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a current mortgage with Mr. Cooper/Nationstar and in XX/XX/XXXX I began a refinancing process. In this process an appraisal was required. I paid for the appraisal on XX/XX/XXXX ( XXXX XXXX transaction with XXXX XXXX Appraisal XXXX for {$650.00} phone : XXXX ) and received the appraisal on XX/XX/XXXX, which had an expiration date of XX/XX/XXXX. Ultimately, Mr. Cooper was unable to meet my needs so I withdrew my request and started the refinance process with XXXX XXXX XXXX on or about XX/XX/XXXX. I provided this new company with a copy of the appraisal. They reached out to Mr. Cooper trying to get the appraisal transferred to them with no follow through. I have attempted on several occasions to contact the personnel I worked with@ Mr. Cooper but have only been able to leave messages and haven't received any call backs. Now because of Mr. Cooper 's lack of action a new appraisal has been requested which is going to cost over {$900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX my family and I got extremely sick with Covid-19. My Wife and I missed a lot of work and pay. I called US Bank to start a forbearance plan. The plan was ONLY supposed to last 6 month. In XXXX of XXXX, I called US Bank to have the opportunity to start making payments again. US Bank offered me 3 separate options for a mortgage modification. When US Bank gave me my options, I misunderstood what the Loss Mitigation Rep was telling me, and I choose the incorrect option. It is now XX/XX/XXXX, I have gone through 6 loan modifications! According to US Bank, they " never received '' any of my loan modifications documents. On the other hand, I have been told by several different representatives through US Bank and they have told me received my documentation. I had a rep even tell me " Because I signed in to online banking, my load modification went null in void ''.

It is difficult to get ahold of US Bank. I have called 10 times. Each time I have called, I have waited over a hour on hold. I have tried calling different times during the day. No matter the time, I am stuck on hold waiting for a representative over an hour. This is a tactic to prevent their clients from calling in. I am a director of a call center of a Credit Union. We focus on getting to the clients as fast as we can. You can monitor wait times with the call center programs. When members have to wait over an hour to talk to a representative, this disregard towards their members shows US Bank is unwilling to assist their members in the best way possible. How can I get an issue fixed when I have to take at MINIMUM 1 1/2 hours to try and get my situation fixed. They do not have physical locations to go to. When I first signed my mortgage, it was with XXXX. My Mortgage was sold to US Bank. We never freely went to US Bank to get our mortgage. I feel like US Bank is purposely causing these issues. I am strongly believing that they are trying to foreclose on our house to make more of a profit off my house. With current interest rates at an all time low, US Bank is forcing their clients into foreclosure to get the most value for their investment. I have a Wife and four daughters, I can not lose my home. I need your help. I need US Bank to finally fulfill their promise on completing a PROPER LOAN MODIFICATION.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ), Account # XXXX ( XXXX ), and Account # 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 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
When I went to court they told me that since i wasnt on lease I could n't answer the would n't add me to judgment

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 2022-12-30
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I signed a XXXX contract for XXXX XXXX XXXX monitoring ( which at the time was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called XXXX about moving my service to a new address since I had just moved. They told me my monthly charge was going to go up and I'd have to buy new equipment. I told them I didn't want to do that and I wanted to cancel services. They said that, since I signed a contract for 36 months, that they would continue to charge me until XX/XX/XXXX. I told them I wanted my services cancelled as soon as that period ended. I also asked for a copy of my signed contract and for something in writing saying I cancelled. They told me they would email me my contract, but they never did. They also told me that my call was documented in their system. I asked for an email or something else confirming cancellation, but they continued to just say it was documented in my account. After that conversation, I continued to pay every month through XX/XX/XXXX even though I did not have any services through them. However, in XX/XX/XXXX, they tried to continue charging me. I had to dispute the charge with my bank and ask my bank to do a stop payment, since I had already asked XXXX to cancel my account and stop charging me once the contract had ended. After that, XXXX continued to try to charge me every month and added late fees as well. I was not under contract with them at this time, did not authorize them to charge me, and had already requested my account be closed in XX/XX/XXXX. They continued to attempt to charge me every month until XX/XX/XXXX, at which point they decided to finally cancel my account and then they sent it to collections. Now they are saying I owe them {$390.00}, but these are all charges accrued after my contract period ended. They were not authorized by me to continue accruing these charges yet they sent it to collections and put it on my credit report. This is fraud.

Company response to consumer: Closed with explanation