BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After my wife and I divorced in 2013, she signed a quit claim deed and made sure the divorce decree noted she was relinquishing her rights to the house. 
I then spoke with Citimortgage, my mortgage holder, who gave me the option to complete a loan modification. After filling out the paperwork and sending all the required documents, including the divorce decree and the quit claim deed, the Citimortgage auditor considered me for the modificationAfter review, the modification was approved. Because the mortgage was behind in payments, the mortgage was reduced {$100.00}. Due to my ex wife filing bankruptcy, I was left with too much debt, so I too filed. CitiMortgage also had knowledge of this information during the modification orocess. 
Back to the home, I again was ordered to pay a {$100.00} reduction for 30yrs at the same purchase price. Keep in mind Citimortgage being part of the lenders responsible for the housing crash, some involving good people. The purchase price was XXXX and the current value is XXXX. 
CitiMortgage sends me the paperwork for this " lemon loan '' and I need to have my ex wife sign. I spoke with Citimortgage and discussed she would not sign and I thought the quit claim deed and divorce decree handled this situation. My ex wife was still on the loan paperwork and therefore needed to sign. 
I was told by a Citimortgage representative on the phone that this was a regular occurrence. 
I just want others to have access to this information. I think Citimortgage should be ashamed of this process but they blamed it on Consumer Finance Protection Bureau. CFPB, please look at your regulations with these banks. CitiMortgage is still allowed to mortgage overpriced homes, foreclose hiding behind your rules, and going on like nothing has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and someone opened a XXXX Bank checking account using my personal information and stolen identity. The XXXX Bank checking account # : XXXX and the following inquiries removed from my consumer report : XXXX XXXX and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am very concerned about a late payment that is still showing on my credit report fro my CITI card which I opened around XX/XX/XXXX. In XXXX or XXXX this card was fraudulently used at a gas station without my knowledge. I have not used this card before nor had I incurred any sort of balance that required my attention. I was very shocked and confused when I tried to lease a car and was told I had a recent late of 30 days showing on my credit report for XX/XX/XXXX. This was fraud and I called Citi and was assured by them that this was not my fault and the late that are showing on all three of my credit reports would be mended to show current and never late. I received a new card and have this card at home in a safe. Please, i need this awful late payment removed from my reports because I have a business and require my personal credit as collateral at times. I was not responsible for the late payment and the associates an date management assured me many times that the 3o day showing on the reports would be updated to show current/never late. 

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 2016-04-24
Company: ENOVA INTERNATIONAL, INC.
State: ID
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Back on XXXX XXXX I made a payment plan with CashNetUSA and was told that as long as I made a payment of {$38.00} for the next year that I would be good. Well that was nor not the case on top of the {$38.00} payment that I made they said they were to take out another {$100.00} on the XXXX.I never agreed to this. After calling them I am told and I also have an e-mail saying they do n't have to disclose any terms and conditions of the Loan. I want this loan written off cause I was never made aware of the terms and conditions of the payment plan. I was told that I would make a {$38.00} payment for the next year to get the loan paid off I never agreed to have them take out an additional {$100.00} a month on top of that payment

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Alliant Capital Management LLC
State: GA
Product: Payday loan
Issue: Can't contact lender

Complaint:
The company, Alliant Capital Management LLC, harasses me by telephoning my cell and work numbers and my relatives continuously. The messages left on my phone has been " this is a courtesy call, documents are being filed today in court against you ''. I did not return their unwarranted calls after viewing the company 's reputation on the Internet. If was only after my relatives complained about the calls that I called them back. I insisted that the company needs to be send me a letter concerning any alleged debt to my home address via US Postmaster. Instead, I received an email stating that I had agreed to a payment plan and that they had my bank account information. The email mentioned the original creditor of " XXXX '' which I found out was a payday loan company which is illegal in my state of residence of Georgia. I am sending a certified letter today prohibiting further contact from this company by phone calls. Also, I clarified that I dispute the validity of the alleged debt. In addition, I notified my banking institution of possible fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is in regards to Wells Fargo Bank NA. Continued repetitive calls, a couple of representatives used profanity, constantly calling from different numbers, and after explicit request of not to call during certain times I still receive calls during such times and debt collector claims to have no record of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I requested a loan modification to Wells Fargo Bank because my husband had XXXX XXXX and needed XXXX and XXXX, so our income was going to drop. Wells Fargo Bank reviewed my case and stated that because the investor, XXXX, only allows XXXX loan modification every five years, they denied my request. I appealed this decision citing this court case ruling, " Other courts have also ruled that HAMP gives homeowners contractual rights to sue their bank when they fail to establish permanent loan modifications for eligible borrowers. See XXXX v Wells Fargo Bank , N.A . XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank, N.A., XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank N.A., XXXX XXXX XXXX ( XXXX Cir XX/XX/XXXX ). '' Wells Fargo Bank denied my appeal. This ruling states that that Wells Fargo Bank must approve a loan modification when I qualify for one. Please help. Thank you. 

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
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: TN
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:
As you can see in the files attached my reports for reporting a lawsuit full of inconsistencies. The credit bureaus have seen my letters Ive sent about the misinformation they are sharing to my consumer credit reporting agencies. This is very disheartening to see, some accounts are reporting open but are closed others are showing repossession of paid vehicle. The list goes on even showing a collection account that doesnt have a original creditor or agency listed in report, even accounts that have interest that Im not aware of the interest rate or even amount being charged. According to the FCRA I have the right to a 100 % accurate credit report XXXX. Its very disheartening and sad. Ill be suing for damages along with inappropriate interest Ive had to pay. Im reaching out to the Cfpb as a last resort for help to get these accounts cleared off my report due to incomplete/incorrect info.

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 2022-11-10
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XX/XX/1968 ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.

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 2016-12-13
Company: DISCOVER BANK
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I paid for a hotel stay in XXXX 2016 with my Discover card, and subsequently disputed the charges based on the mold and other health issues in the room, lack of promised services, and property theft by hotel staff. Discover processed the dispute, placed it in my favor by completing a chargeback, and then reversed it today claiming their charges were correct. I have disputed this several times with the company and with Discover, and Discover refuses to handle the issue professionally and appropriately.

Company response to consumer: Closed
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2022 I mailed experian, XXXX XXXX XXXX letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.

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 2022-11-10
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being charged by XXXX XXXX and Jefferson Capital for a debt I did not own. I did not sign or authorize any of these accounts. I have been disputing these charges for the last 60 days with letters to the 3 bureaus and the creditor themselves. I was in XXXX XXXX from XXXX. This is fraud and someone uses my identity. This is not my debt. Please remove this from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: National Credit Adjusters, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received the below email but I have no idea who this company is nor who the company is I am supposed to owe this money to. I checked my credit report to see if anything had been turned in against me by them or anyone else for this amount and there is nothing there. Due to them having my personal information, I contacted my bank to let them know what was going on so my account would not be compromised. There was no number to call and no representative 's name in the email. I have deleted my personal information that was in the email. They had my correct information. 


NATIONAL CREDIT ADJUST XXXX XX/XX/2020, XXXX XXXX ( 23 hours ago ) to me Dear : We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney. 



3 Hard allegations have been pressed against your name and your all information. 



1. Violation of Federal Banking Regulation. 

2. Collateral Check Fraud. 

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : SSN : Drivers License : Bank name : Account number : Routing number : We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a Home Affordable Modification with Wells Fargo on XXXX/XXXX/XXXX because I could not make the payments required and am three months behind. The response came back that I was approved for the modification and had to make three trial payments of {$3100.00} starting XXXX XXXX, XXXX - this is my current payment which I ca n't afford. The reasoning which I believe got me into this mess when we purchased in XXXX XXXX, is that our monthly household income is {$16000.00} - I WISH IT WAS! My husband and I do have a business which is a partnership and per our Home Preservation Specialists XXXX XXXX, our income is based on the Gross Income of the business and not what the XXXX show or the amount of {$5300.00} we submitted on the Income/expenses for household form we submitted with the loan modification paperwork. They are n't even taking in consideration the expenses of the business or the information provided to them on IRS Form XXXX or the income statements of the business we provided. In the year-to-date income statement we provided for the business our net income for the period ending in XXXX XXXX was {$14000.00} which has to pay for XXXX judgements against the company and past due bills dating back to XXXX that includes payments to the IRS. 
I do n't understand how they can come up with this conclusion when at the end of XXXX, I submitted paper work for a loan modification because we were 6 months behind and fighting foreclosure and they approved our loan modification. Our monthly payments were {$3100.00} prior to the modification and the approved mortgage modification lowered our payment to {$1900.00} which was more manageable for me.

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 2022-11-10
Company: EQUIFAX, 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:
This is the letter that I mailed to Equifax. 

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Over the past 3 months I have disputed a second inquiry that Equifax is reporting on my credit report from XXXX XXXXXXXX XXXX  XXXX The last time I tabulated my disputes with Equifax, I counted 7 times that I disputed the XX/XX/2022, inquiry. There may be more, but I got tired of looking. Equifax sent me a canned response for each dispute telling me that they are a matter of record.

Each time I complained to Equifax, I told them that my credit report has 2 inquiries, where there should only be one. I agree that the XX/XX/XXXX inquiry was legitimate. The second inquiry on XX/XX/XXXX is illegitimate and seems to be an error on Equifaxs reporting records. XXXX told me that if they ran my credit within 30 days of the initial inquiry, that they wouldnt report a second inquiry. Look at the dates. XX/XX/XXXX thru XX/XX/XXXX is less than 30 days. 

To make this complaint crystal clear, I have attached a letter from XXXX XXXX XXXX and an email from the dealership, XXXX of XXXX Georgia. Each of them puts the error squarely on Equifaxs doorstep. 

Additionally, I have filed XXXX previous complaints with the CFPB. Equifax delayed their answer ( XXXX ) to each complaint with the standard XXXX indicating that they are not at fault. 

So, with this in mind, I am filing a 3rd complaint with the CFPB in hopes that they can pin the blame squarely on Equifax ; forcing Equifax to remove the second inquiry. 

I am also going to file another dispute with Equifax through the U.S. Mail. Perhaps the canning process of XXXX will end. 

Sincerely, XXXX XXXX XXXX XXXX : CFPB XXXX XXXX XXXX XXXX of XXXX Georgia Attachments : XXXX XXXX XXXX, XXXX of XXXX Georgia email, copy of latest Equifax deflecting responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I went to a local Wells Fargo branch office to close out my accounts on XXXX. I was told that my WF Credit Card and Savings Accounts were closed, but there was a federal regulation that prevented me from closing my Checking Account until after the next account cycle ended on XXXX. This seems strange since I had cancelled all activity on this account but decided to leave it alone. I was finally able to close my Checking Account by calling customer support, however, the Savings Account that was confirmed closed on XXXX is still open as of XXXX with a {$50.00} balance that I ca n't withdraw because the account is " Pending Close ''. 

I do n't understand : 1 ) Why Wells Fargo would not close my accounts when I requested them to be closed 2 ) Why Wells Fargo refuses to allow me to fully close/withdraw the remaining funds from my checking account.

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