BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-07
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank has attempted to defend its actions in this matter by reliance upon the Expedited Funds Availability Act. That defense is only tangential, not central, to the current claim. 

In this instance, when I attempted to deposit the counterfeit cashier 's check ( copy attached ) ostensibly drawn on XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) in a Citibank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, the ATM rejected the check. I then approached a teller at that Citibank branch location and indicated to him that the ATM had rejected the cashier 's check and asked whether the teller would accept deposit of that same counterfeit cashier 's check. 

As noted by XXXX XXXX, General Counsel for XXXX, in his email of XXXX XXXX, 2015 ( copy attached ), any bank teller with the requisite training in detecting counterfeit cashier 's checks should have immediately known that the check I presented for deposit was counterfeit. In this regard, as XXXX XXXX points out, legitimate cashier 's checks have " a tracking number which is not present on the check presented to Citibank. '' In addition, as noted by XXXX XXXX, legitimate cashier 's checks bear the telephone number of the issuing institution ( which the counterfeit check did not ) and the check in question bore a suspicious " security features box located on the reverse side. '' Therefore, Citibank 's act of accepting the counterfeit cashier 's check, which their employee ( the teller ) knew had just been rejected by Citibank 's own ATM machine, was, at best, gross negligence, and the teller who accepted the check was either completely untrained in fraud detection by Citibank, extremely reckless, or knowingly and intentionally careless in his actions. The fact the I was given immediate credit in my account for the counterfeit cashier 's check merely compounded the grossly negligent and reckless behavior of Citibank and led to their loss - - which they are now attempting to pass on, unlawfully, to me. 

Under the circumstances, Citibank should be made to suffer the entire loss in the amount of {$1900.00}. Instead, Citibank has, as they admit, closed my account and has also notified other banks to not do business with me, thus preventing me from opening a new account elsewhere and further damaging and injuring me in my personal finances, reputation and credit.

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 2020-04-19
Company: EQUIFAX, INC.
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:
other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Early Warning Services, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
They are crooks in Texas, I complained somebody at XXXX had compromised my account, XXXX refunded the money bach to XXXX, XXXX never complied. All Texas Banks are crooks, they work together to take advantage because they are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received a letter from Synchrony bank about my Amazon  credit card account. The letter stated that my credit limit with Amazon was decreased from {$900.00} to {$260.00}. Which my balance is about {$220.00}. I have been having this account for about 5 years. Never had a problem with Amazon  or the financial institution before. When I called Synchrony to find out what the problem was, they told me that I had to call XXXX  ( reporting agency ) to dispute the information in the letter. I informed them that I pay Synchrony Bank and not XXXX  for my Amazon  account. Synchrony had run my credit and I did not give them permission to run my credit again. Initially my credit was run and this is how I got the account. I did not give Synchrony permission to run my credit report, when I have an open account with them. I did call Synchrony, and they could not give me any answers, but that's ok because I know they were wrong in doing so. I am going to pay this account in full as of XX/XX/2020. I want this complaint to be filed against Synchrony Bank and if possible against XXXX. The information that XXXX  reported is incorrect, and I want it removed. I called XXXX  and their operator was not in the United States, and they could not even communicate with me about my problem.

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 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was closed by me in the year 2009 it is over 7 years old.. It has a {$0.00} balance I have disputed it several time to be removed from my credit history ... Saying it is past 7 years and a {$0.00} balance and they still will not remove the account. Something need to be done please. 
They are doing this with multiple account on my credit history.. This is just few example. Another is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Closed in 2009 XXXX Closed in 2009

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 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XX/XX/2022 XXXX XXXX XXXX XXXX CAPITAL ONE XXXX. We have disputed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi CFPB, I closed my mortgage account with the Company Loan Depot. I have been reaching out to them to provide my escrow refund. As per your regulations it should only take 20 days to get a refund. I keep getting the run around and their customer service is no help. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am executor of my father 's estate. My father had an existing mortgage loan through XXXX that was subsequently transferred to Bayview Loan Servicing 8 months after his death. The loan with XXXX was current at the time it was transferred to Bayview Loan Servicing. Bayview Loan Servicing received the mortgage and attached a {$200.00} late payment to the account which is unexplained. They refuse to remove those charges which I currently dispute. On XXXX XXXX, 2015, I made an online internet payment for the month of XXXX. A week later the available funds were never drafted from the designated account and Bayview loan attached a {$35.00} NSF fee to the mortgage account on top of the {$200.00} late fee payment that they insist that the estate pay. The NSF fee is because they were supposedly unable to locate the bank account ( not insufficient funds ). The funds were indeed available at the time. Bayview Loan Servicing said that they can not help or remove any of these fees. We are only 60 days into this relationship with this company and it is a headache. The negative reviews for Bayview is 85 % or higher. This loan servicer should be investigated immediately because their business practices and unexplained fees appear to be unethical. I am asking CFPB to step in and mediate and penalize where necessary on behalf of my father 's estate and other consumers who have been affected by their practices. I am thoroughly convinced that this company is violating consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I have an account with CitiBank that ended up with Fraudulent charges. Citi was good enough to call me to check on the unusual activity within 2 days of the incident. Several charges were identified as fraudulent which they said they would take care of. A few days later after review my account, I called them to ensure all fraudulent charges were part of the investigation. After several ( 5-6 ) calls, I am still waiting for them to refund all the charges. It has been since XXXX XXXX. At this point, there is still XXXX charge remaining ( {$64.00} posted XXXX/XXXX/16, Description XXXX ), interest has been charged ( {$5.00} ) and a payment is due. I do not want this to effect my payment history but am unable to get the final charge refunded. My most recent call on XXXX, I was told said it would be credited in 3-5 business days. My call yesterday provided no additional updated ... .they are looking into it and no a supervisor was not available. Hoping you can help with resolution.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : USDOEXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} USDOEXXXX XXXX Balance : {$0.00} XXXX : USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance XXXX {$0.00} USDOE/XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX {$43.00} XXXX XXXX {$310.00} XXXX XXXX {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXX {$660.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX {$43.00} XXXXXXXX  XXXX {$310.00} XXXX XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CITIBANK, N.A.
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX our mortgage became late now XXXX and XXXX different agencies later I 'm still making the same mortgage payment and the company I make it to is not listed on my credit report but the original company is but it shows the account as a charge off. I need help.

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 2016-09-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have filed disputes against a debt on my XXXX credit report. I have spoken to the original creditor, and I have spoken to the debt collector. Both have stated that they do not have me in their records. Both have verified that my name and social does not match, and that it is a mistake. Neither are willing to provide a letter reflecting that. Both assure me that filing a dispute with XXXX would fix the problem, but I have done this twice and no deletion. XXXX has told me that upon investigation, The collections agancy, has replied that the debt is indeed mine. I have never lived in that apartment complex. The collections agency, Procollect, has given me the run around completely. They give me extension numbers, and email addresses that dont exist. They asked me to call them back with proof that they were reporting onto my XXXX account. I hung up the phone logged into XXXX, and called them back. They stated that no one by the name I was given works at that office. It literally took less that 10 minutes. Other times I have called and they connot fine the file in question. My bank has a debt resolution company that was assigned to my case. Except Procollect doesnt accept calls from 3rd parties. In dealing with Procollect, I have been yelled at, called a liar, and hung up on. I would hate to see how people who actually have a debt are treated.

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 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX XXXX {$2800.00} XXXX {$740.00} XXXX {$2000.00} XXXX {$2800.00} XXXX {$2000.00} XXXX {$960.00} XXXX {$1300.00} XXXX {$2000.00} XXXX {$1300.00} XXXX {$1500.00} XXXX {$2200.00} XXXX {$790.00} XXXX {$460.00} XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In re XXXX XXXX  and Hunter Warfield Revenue Recovery Services I had a scheduled check out date at the apartment. The checkout day was during a weekend and/or holiday, so I turned in the unit key to the on-site security/property office. At the time of turn-in, I asked the team whether they a document to sign, or other process form and receipt to show that I have turned in the key ; the person at the time responded they do not. 
XXXX XXXX and Hunter now claim that I stayed in the unit 2 weeks after the checkout date. Since the question turns on what day the actual check out was made, I have repeatedly asked XXXX XXXX  and Hunter to provide documentation satisfying their claim of my alleged check out date. They have repeatedly failed to provide this, nor can they provide any sort of documentation in a log, or document with my signature, of either checkout dates in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We got screwed over by Wells Fargo. We won the lawsuit & got a settlement. This is so unfair to still be on our credit report! We have been paying higher interest rates since. Going on five years! We would like this off our credit report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Equifax : USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} XXXX : USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance XXXX {$0.00} USDOE/XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received letter from XXXX XXXX, XXXX on behalf of Bank of America. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX could not provide debt validation. The situation was a nuisance and we settled via a stipulation for {$2500.00} with XXXX. XXXX XXXX did not disclose to us he was working with XXXX XXXX XXXX - a debt collector law firm. XXXX XXXX XXXX never provided any information to us via the FDCPA. We were completely unaware of their involvement in this matter until an email was sent to us by mistake on XXXX indicating they were in fact acting as an agent for Bank of America.We then contacted Bank of America , XXXX XXXX , CEO and were directed to a XXXX XXXX after many communications XXXX XXXX indicated this evening we were out of luck. The stipulation was signed # XXXX, it did not matter that the collection agent XXXX XXXX XXXX was not disclosed to us. When I asked for debt validation he said the " statute of limitations had run out '' and " he was unable to provide the validation ''. It did not matter as we signed # XXXX on the stipulation. I indicated to XXXX XXXX had any of this been disclosed to us we never would have entered into a stipulation. Had we known XXXX XXXX was involved along with XXXX we would not have agreed to any of this with Bank of America. There was deception in the lack of disclosure to us by Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was clear it would be punitive measures on our credit report as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation