BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good day. 

Please note that in reference to my CFPB Complaint # XXXX, I have now received a Decline Letter from CitiBank Best Buy after they informed me I was approved with a counter-offer. This is now unacceptable banking practice. An approval with a counter-offer is a DECLINE? This is just indicating to me that they do not know the difference between an Adverse Action Counter-Offer and a Decline over there. This is unacceptable banking practice. 

Furthermore, the decline letter has 4 adverse reasons... only 1 of which was communicated to me on the phone. The rest of them I just don't understand at all. The adverse reasons I list below. " Proportion of loan balances to loan amounts is too high? '' My revolving debt utilization is presently 5.5 %. Therefore, " Proportion of loan ... '' must be referring to my mortgage ( term debt ) - and that shouldn't be a reason for selecting " Proportion of loans balance to loan amount '' because it's term debt. Principal balance on mortgage debt will also be the credit max on mortgage debt because it's term debt not revolving debt. Even if Proportions of loan balance to loan amount were a system selection, they should know to deselect it. This is unacceptable banking. 

_Length of time revolving accounts have been established????? 
_Too many accounts with balances???? 
_Time since most recent account opening is too short. ( This doesn't change 5.5 % utilization ) _Proportion of loan balances to loan amounts is too high???? 

This is very scary. So was CitiBank Best Buy lying to me on the phone about a counter-offer? Or are they lying now about a decline? Where is the transparency in all this? And as informed as I am, I'm still confused. I can't imagine how confused this would be for a customer less informed. This is wrong. This is unacceptable banking practice.

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 2022-07-27
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was hacked the week of XX/XX/XXXX, reporting this incident to Columbia State Bank ( XXXX XXXX - XXXX, XXXX ), on XX/XX/XXXX, including my police report, FBI ( IC3 ) report along with all text messages and documentation of each day 's occurrence. 
* I asked XXXX about FDIC coverage for the financial loss that incurred and received no response ; also, I asked for a Currency Transaction Report ( CTR ) and received no response. I also said to her that if I didn't have online banking this situation wouldn't have occurred, inferring I didn't receive the proper protection *I asked XXXX if I could call the Fraud Dept. , she responded with " no '' we're handling this internally. 
*With XXXX XXXX help I was able to withdraw monies in order to open a new account with my new bank. 
* On XX/XX/XXXX, I withdrew my automatic DRS deposit and asked XXXX to call me and she said she would tomorrow XX/XX/XXXX, ( to this date she hasn't called ( ( it's XX/XX/XXXX ) ). 
* I'm feeling I'm being disrespected and ignored by staff members that I respected deeply by not informing me of this ongoing investigation.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error

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 2022-06-22
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX  Account Number : XXXX Please remove it from my credit report Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2022-12-29
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXXXXXX XXXX XXXX I chatted with an agent about my card and unauthorized transactions. The agent started a dispute process and asked me was the charges she was disputing unauthorized I told her yes. Today XX/XX/XXXX I received an email saying my dispute was denied. So I looked into it and seen that put transactions on the list that was not suppose to be disputed at all. They are very unorganized and purposely denying a claim. If you read over the chat I did not put the 2 claims into the disputing transactions. I want my claim reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Benuck & Rainey, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of dentity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: WI
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 act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-23
Company: EQUIFAX, INC.
State: WI
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 act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX to Roundpoint Mortgage Servicing. They took the initial payment after transfer ( have my bank statements to prove it ) and now they are trying to charge me double the next month, slap me with a late fee, and likely ding my credit. I can not get anyone on the phone or an email response back. Instead it just pushes me to make the double payment on their automated phone system. I even called last month in advance to confirm the transfer was successful and a rep assured me it was fine and went through. This is absolutely absurd and I need this resolved ASAP.

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 2022-06-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed my constant credit line in late 2021 The account is still showing open. I have tried calling but have been unable to reach a resource who can help. Hold times are 30+ minutes. Ive tried going in the XXXX office and they tell me the account is closed and there is no further action needed. However my most recent credit report still shows it as open.

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 2022-04-23
Company: DebtEaze
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a call explaining that I was eligible for a public service forgiveness for my student loan. I returned the call to speak with a XXXX XXXX that worked for Debteaze ( www.debteaze.com ). After using deceitful and manipulative tactics, he was able to obtain my social security number, credit card number and and other critical information. He explained that after 9 consecutive payments, my student loan payments would drop to 0. I have formally written and called to explain I do not want the services and do not approve of any charges or information sharing. Please contact me at your earliest convenience. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been audited by the IRS, and I have requested Wells Fargo for photocopies ( images ) of all my checks that have been deposited into my checking account between XX/XX/XXXX. XXXX and XX/XX/XXXX. I have called their customer service at XXXX three ( 3 ) times, each time I spend one 1h30m ( for the past month month I have spend almost 5 hours on the phone with them ) on the phone with them while they put these checks images together, and each time, they keep sending me bank statements. I can get my bank statements online, but unfortunately, Wells Fargo does not allow to obtain images of checks. We as a consumer only can obtain these up 18 months or we have to call their customer service, witch did several times. I went to my local branch also, and have asked the bank XXXX, XXXX XXXX for his assistance. And until now he has done nothing in regards this matter. Anytime I go to the bank, he says that he is " busy ''. I come to your organization to help me obtain these checks images please. 

Respectfully, 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 2023-09-22
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notification on XX/XX/XXXX from XXXX XXXX that my CITI Best Buy account was closed, when I called I spoke to 3 people, the first time I was told that it was sent to me via my CITI account, I checked, and nothing. On the 2nd call, the manager ( XXXX ) was so rude that I asked to speak to his manager. Once his manager came on, he told me it was emailed to XXXX. I checked the spam and regular folder in multiple ways, searched by name, date, and anything related to Best Buy or Citi Bank, and nothing. I reached out to the CEO of Best Buy and Citi and spoke to Citi 's corporate team, if I had received notification I would have used my Best Buy card if I would have received notification. I did not receive any notification until the final notification that they are not changing their mind but I can reapply, this not only hurts my credit by closing an account with no notification giving, but opening an account will ding my credit as well. I am opening a business of my own and need my credit to obtain a loan, CITI bank has ruined my credit, I did speak to an attorney, and he advised me before taking legal action to file a complaint first. I have the documentation to provide on what I did receive and my XXXX XXXX notification, which came in XXXX and my account was closed in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a certified letter stating that my reverse mortgage was in foreclosure through PHH Mortgage. They stated that my signature did not match my original loan documents and they took foreclosure measures without any contact with me. I have been sick, but in order to save my house I had to go and get my signature notarized and send it back to them certified mail. I spoke with them 7 days later and they stated they did not receive it. I was able to pull up the tracking number for them and it had been received on XX/XX/2022. They stated they would open an " investigation ''. In the meantime, the threat of foreclosure is very real. I have made at least 10 attempts to contact them and have gotten no suitable answers as to why they are proceeding with this. All of my payments and requirements are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with XXXX at BC Services on XX/XX/22 in reference to two accounts to dispute the validity of the debt I was being contacted about. I emailed and mailed the requested documentation stating that I no longer owed the medical debt for services rendered. I filed a response with the 4th judicial district stating that I do not owe the debt, and I have continued to receive notice of their intent to proceed with a default judgement. I also received documentation from BC Services for a debt that is not mine, and has a different unknown party information included in the correspondence.

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 2022-06-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see below inquiries : INQUIRY Cap XXXX XX/XX/XXXX INQUIRY Us Small Bus Administration/XXXX XXXX, XXXX INQUIRY XXXX XXXX, XXXX I am hereby notifying you that neither on that or those dates similar did I authorize any individual from listed to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this informationplease remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report this information and as of now you are not doing that. I look forward to the credit reporting ageny resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

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 2022-08-20
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Bank initially lost and never processed a completed loan modification of mine from XX/XX/XXXX and and incorrectly applied payments and escrow due to this major error. They never corrected and transferred the erroneous information to XXXX. I have filed complaints with XXXX and XXXX XXXX Bank and no actions have ever been taken to correct, so I am guessing my issues are not a priority for your office. Freedom Mortgage just took over my mortgage effective XX/XX/XXXX and they have advised I have a shortage of {$870.00} in my escrow. I submitted Notice Of Error that was received by Freedom Mortgage XX/XX/XXXX including copies of my bank statements confirming all my payments made back to last year. I have not missed a payment and the escrow analysis was incorrect. They just responded with a letter dated XX/XX/XXXX, advising I am in a shortage of {$870.00} and included XXXX pages of unintelligible payment postings from XXXX that do not make sense. It looks like XXXX raised my principal from around XXXX from the last year with XXXX XXXX XXXX to XXXX when they transferred to Freedom Mortgage XX/XX/XXXX. Please explain how this can happen when my bill is paid every month?. I am asking for help. Once again. My mortgage has not been correct for XXXX years and I have been begging your office for 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