BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I took the Citi XXXX XXXX card due to an offer for credit off a flight I was booking. I made the payment for the full amount by phone, received a confirmation # and also a paper statement showing a balance of XXXX. A few days later I started receiving calls from Citi saying my account was over due. I called back and they said the payment had been returned. I attemped to make the payment again and it seemed to go through again. Now a week later the account shows a balance again and another late fee and returned check fee.

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 2016-08-19
Company: ALLY FINANCIAL INC.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Ally bank advertises that they do not charge any fees for the international incoming wire transfer. Since Ally bank does not have a XXXX code, Ally bank uses XXXX XXXX XXXX as an intermediary bank. 

I was told from the Ally bank customer service that if the fund is in US dollars, 'Ally bank and the intermediary bank ' will not charge any fees. What is quoted is 'no fee from Ally and XXXX '. However, the intermediary bank charged me {$22.00}. I first contacted Ally, and got a reply to contact the intermediary bank ( XXXX ). I contacted XXXX, then I was informed that XXXX as an intermediary bank always charges the transfer fee. I contacted Ally again, complaining that they provided the wrong, misleading information. However, they maintain that because the fee occurred in the third party, they can not reimburse the fee. 

I am very disappointed that 1. the bank provided the wrong information 2. They refuse to reimburse because it is happened by a third party. Ally bank should take responsibility for providing the wrong information and the loss of the customer from the wrong information.

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 2016-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Transunion in the form of copies of US Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus which Transunion admitted receiving XXXX/XXXX/XXXX. The later complaint to Transunion and earlier complain to XXXX specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Transunion, I certified that XXXX had not responded to me within the required 30 days after XXXX 's proof of receipt XXXX/XXXX/XXXX. Transunion then ignored this documentary evidence and used the repeated false electronic reporting from XXXX to " verify '' the false information in their Transunion XXXX/XXXX/XXXX report update. Transunion failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Transunion on the matter, a Transunion supervisor confirmed that Transunion is using an electronic " update '' from XXXX as verification and ignored documentary evidence from me that they admitted receiving XXXX/XXXX/XXXX. This Transunion XXXX went on to say there was no requirement in the FCRA for the original creditor to respond to the debtor [ sic ], and that the electronic verification Transunion received on XXXX/XXXX/XXXX was all Transunion needed to " verify '' the false information. I believe this is a violation of the FCRA because the XXXX/XXXX/XXXX " update '' from Navient does not contain any documentary evidence that Transunion or XXXX has or can provide to me, and XXXX/XXXX/XXXX is almost a full month beyond the FCRA 30 day required time period for a response from the XXXX/XXXX/XXXX receipt of certified notice of dispute.

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 2016-08-01
Company: Pacific Union Financial, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy on XXXX/XXXX/15 all while I was in bankruptcy I made all payments like normal and I also signed an affirmation to affirm on my mortgage so that I could keep my house. well recently here went to go shop for and automobile found out that my score was really low. got home that afternoon and check my credit report and found that my mortgage co. Pacific union financial has not been reporting my payments on my credit report. which has dropped score. I have made all my payments on time. and now its time for another payment, I 'm thinking twice about making payments until they correct this error on my bureau. and Pryor to filing bankruptcy I refinanced my loan with the same company, Pacific Union financial and they are showing that account in bankruptcy as well but should be showing paid in full. can someone here please help me with this situation. 
Thank in advance XXXX XXXX XXXX XXXX. 

being made on time.

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 2016-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans Union is reporting a 6 and 1/2 year old charged off auto loan deficiency with XXXX XXXX XXXX as having late payments and past due payments as well as including the amount of the original loan payment as part of my monthly debt. When the auto was reposed and sold that ended the contract and monthly payments. The debt has been charged off there should not be anything reporting as current activity or payments due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
No matter what web site I use they can not pull a credit report or score 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 2017-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX was previously deleted from the 3 credit bureaus and reinserted without any notification.

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 2017-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am not sure how to go about requesting this type of change to my credit reports. Currently they all show that I have a credit history of 14 years when in fact it should be around 24. My credit score is listed as being adversely affected due to the shortened reporting and it leaves out payment in full of 2 mortgages, 2 car loans, and a student loan. Is there any way to have these items restored to my 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 explanation
Consumer complaint received 2016-07-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We filed the background on this issue previously [ Case number : XXXX ]. 
No one at Citi admits fault ; however, they finally ( after more than 6 months ) have authorized a " modification '' to our loan. 

The remaining issue is that the people and processes inside Citi appear to be incompetent. No one shares information. Records are not updated properly. 

Although we continue to make on-time payments, we are charged " late fees ''. We continue to get " Important '' telephone calls from Citi. We have a " specialist '' assigned who no longer communicates with us or responds to email. A recent message through the internal messaging system received a reply alleging " I spoke to our collections unit and they state there is? no? modification on file for this loan. '' And yet, there is a modification on file _somewhere_.

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 2017-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unauthorized inquiries and/or unknown companies : 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 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 2016-04-06
Company: ALLY FINANCIAL INC.
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I filed a Chapter XXXX Bankruptcy and it was discharged in 2011. XXXX was included in it and they are still reporting on my credit with a balance. IT is affecting my credit and financing.

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 2015-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Transunion to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Transunion with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, PA and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This ticket was actually my sons while driving my car. I paid it to get it off of my credit report and contacted the courts who said it was paid and also sent me confirmation of the payment showing the balance of {$0.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This dispute and investigation is for TransUnion Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX in college. These cards were opened at separate times, XXXX in the XXXX XXXX and the other in XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. TransUnion has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with TransUnion that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. TransUnion also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX TransUnion reported the same XXXX accounts as being current late payments that went from 30 days, to 60 days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can TransUnion not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they BOTH be removed once and for all! I am also disputing the fact that they have XXXX reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed TransUnion keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!

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 2015-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of first delinquency for both accounts as XX/XX/XXXX. I have contacted the original creditor ( XXXX XXXX XXXX XXXX ) and verified that they date of XXXX delinquency for both accounts is XX/XX/XXXX. I have also requested that XXXX, XXXX and Transunion correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of first delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My HELOC with XXXX Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years XXXX last six months of statements are enclosed ). In XXXX I filed a complaint against XXXX Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for XXXX Bank dated XXXX/XXXX/XXXX XXXX letter enclosed ) saying that they would take care of it. I disputed this response because although XXXX Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted XXXX Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with XXXX, a division of XXXX Bank XXXX. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX XXXX letter enclosed ). The HELOC was then transferred back to XXXX XXXX effected XXXX/XXXX/XXXX XXXX letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that XXXX XXXX was now XXXX Bank XXXX letter enclosed XXXX. 

ACTION NEEDEDThis HELOC with XXXX Bank should be reported as open with a 10 year credit history. 

Under XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : XXXX 1 XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in XXXX XXXX XXXX for violation of my rights under the FCRA naming XXXX Bank, and the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
They are trying to charge me for a lease return for body damage that was repaired by a certified body shop at the XXXX dealership. I have paper work that shows what work was done and what they are trying to charge me the car was turned in on XXXX/XXXX/2016 and was not inspected until XXXX/XXXX/2016 by ally bank and I 'm not in good health and this is stressing me 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 2016-07-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Starting about three years ago my wife and I suffered several financial issues all at once which caused us to need a home modification. We had a XXXX which failed and lowered our total income. We got help from " XXXX '' who convinced Wells Fargo to lower the interest rate to make our mortgage affordable at that time, however Wells Fargo also added $ XXXX back into the principle which eventually caught up with us. We then suffered internal damage to our home due to storm winds and internal flooding. We are currently faced with pre-existing XXXX damage ( XXXX to repair ), septic tank failure ( XXXX ), market values dropped from $ XXXX to $ XXXX and my wife diagnosed two years ago with XXXX which has forced her into XXXX retirement. We filed bankruptcy three years ago and Wells Fargo was excused from the bankruptcy in XXXX 2016 after which they notified us of pending foreclosure. 
We requested a modified mortgage with Wells Fargo and after allowing us a three month trial adjustment period they offered us a new loan with an increased principle ( $ XXXX ), an increased interest rate ( from 3 % to 3.2 % ) and a 40 year fixed loan. Upon review of our appeal Wells Fargo recently informed us that we could afford to pay over {$1800.00}. per month although my wife now requires monthly treatments, her income is half what it used to be and we have $ XXXX in home repairs which must be repaired ( basement XXXX XXXX and septic tank ). It seems that each time that we make a new request to Wells Fargo we are told that we can afford to pay more. It seems that they never actually consider our finances and/or our situation. Are there any laws which protect us from this sort of treatment from these large banks. Did n't they get a " bail out '' from financial problems just a few years ago? 
Please help if you can. Advise us if you can not intercede on our behalf. 
XXXX XXXX XXXX XXXX Wells Fargo loan # 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