BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had an account wi th Citi Bank Best Buy for over 5 years. I recently filed a dispute with  XXXX  about my account history wi th the creditor. After that action was done, the creditor closed my account. They gave me reasons that have nothing to do with my account and m y credit score ha s actually increased over  XXXX  points in the last month or two. They refused to open my account back up and told me that I had a better chance of seeing  XXXX  before they would open my account back up. I want my account reopened or I will file a civil rights law suit against this company and I feel they need to wipe my balance to {$0.00} for the inconvenience.

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 2016-09-27
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a debt that 3rd party Midland Funding is trying to collect on. I am unaware of the debt and they have not provided valid information that this debt legally belongs to me, I 've sent a Debt-Collector-Disclosure-Statement and a Dunning Form letter to Midland Funding and to their lawyers twice to no avail and they have not proven that I owe them the dept. They are reporting me to the XXXX credit bureaus. I 've disputed with the XXXX credit bureaus but they will not take it off of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
received letter from Portfolio Recovery Services threatening to file a XXXX on a time barred debt that on itself states the debt is old. I requested a verification letter that the debt is mine which was not received. I was informed that this is unethical as well as illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
C F P B The initial incident happened with  XXXX   XXXX ,   XX/XX/XXXX  the y issued me an " Interest Only Mortgage '' based on the monies I had invested with them. They (  XXXX  ) put 40 % of the initial value of my condominium  (  {$140000.00 } ),  10 Year -- Interest Only -- 6 % ( locked in   XX/XX/XXXX   ) (  XXXX  ) ( {$450.00} -- Ap p. Fee ( Returnable @ settlement ) {$56000.00} in an escrow account. With that account I could invest in Grade " A '' Stocks and Bonds, and put the proceeds in a Money Market Account, where my mortgage ( at the rate of 5875 % ) would be paid out of. I also added to that account the rest of my estate to a total of {$72000.00}. After 5 years ( and a crash in the market, where I could not transfer my monies out of the stocks and Bonds account fast enough with out getting permission from the Mortgage Dept. ( by that time my investment had declined approx. 50 % ). When my account fell below {$25000.00}, I was   contacted by   XXXX   XXXX   of   XXXX    XX/XX/XXXX  (   XXXX   XXXX   XXXX   XXXX   XXXX   Department and told not to make any more payments, so I could qualify for a HAMP by  XX/XX/XXXX .      1 )    XXXX    (   XXXX  )  Modification Request    XX/XX/XXXX   denied ( reason-Estimated value of condo was wrongly estimated at {$360000.00} not {$200000.00} its actual worth.      2 )   XXXX  (  XXXX  ) Modification Request   XXXX   denied no reason given.      XXXX   XXXX  sold Mortgage to  XXXX   3  ) OCWEN Modification Request   XX/XX/XXXX   -  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  denied ; reason (  XXXX  does not allow Modifications  4  ) OCWEN Modification Request  XX/XX/XXXX  - Ocwen Account Specialist,  XXXX   XXXX  recommended Modification  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   denied  ; reason (  XXXX  does not allow Modifications  5  )  OCWEN HAMP   XX/XX/XXXX   Ocwen  Attorney  XXXX   XXXX  recommended HAMP  XXXX   XXXX   XXXX   XXXX  ,  XXXX . of  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   (  ATTORNEYS AT LAW ) denied ; reason (  XXXX  does not allow Modifications 6 ) OCWEN Modification  XX/XX/XXXX  Ocwen Attorney recommended HAMP w/  XXXX   XXXX   XXXX   ,   XXXX . of  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   ( A TTORNEYS AT LAW ), Ocwen recommended to contact HUD APPROVED HOUSING COIUNSELING (  XXXX  ). Contacted  XXXX   XXXX , at  XXXX  regarding scheduled Sheriff Sale on   XX/XX/XXXX  , He researched and  XXXX  does do Modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Park Hill Holdings
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: Problem with personal statement of dispute

Complaint:
There is an eviction on my report being reported by this company 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 2022-01-02
Company: LEXISNEXIS
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: Problem with personal statement of dispute

Complaint:
There is an eviction on my report being reported by this company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was charged off more than 4 years ago ( statue in california ). Debtor reported the activity to the 3 major credit bureau 's knowingly violating the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested removal of personal information  (  addresses & also known as ) 2 times. Both times EQUIFAX has claimed the information was removed ( included all records for proof & showing today 's information ) but when I check my records it 's still listed on my credit report. I need this information removed immediately as it does not belong to me nor have I lived at these addresses ...     Additionally, I have no clue how they go about remove or re-adding information but I 'm sure its a violation of the FCRA. I would like sanctions brought against Equifax ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it my concern : My name is XXXX XXXX, I have a Loan with WellsFargo, Loan # XXXX and I have a complain the way WellsFargois handling my situation and the way how they have been treating me. 2 years ago I was in XXXX I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked WellsFargo for help asking for a Loan Modification program or any other relief available. It is very hard to deal with wellsFargo because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by XXXX many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past two years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from XXXX XXXX XXXX, I am frustrated and stress and I feel WellsFargo is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to WellsFargo to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I 'm wondering if WellsFargo does n't want to help me because my name is XXXX XXXX and I am XXXX I feel discriminated by WellsFargo. 

XXXX published on XXXX/XXXX/2013 " WellsFargo former employees : We were told to lie '' the article is based on employees of WellsFargo routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX   XXXX  I applied for a secured credit card  ( S ecured  Visa ) with US Ba nk. This secured card is specifically marketed to individuals with less than average or poor credit to assist them with improving thei r credit score.  As with most secured cards, applicants must transfer/provide the full amount of their credit line as a deposit for the card.      XXXX / XXXX /  XXXX   : I received notice from USBank stating that my application was not approved at this time due to " Your debt to income ratio exceeds established maximum guidelines. The total monthly income amount recorded on your app was {$2500.00}. The monthly housing payment recorded on your application was {$0.00} ''.     The notice further states for me to call them if my housing payment is not accurate.     My complaint is as follow  s : 1. The notice suggests I was denied for not having a monthly housing expense, which is unfair considering the home I live in is paid off and I live with my mother.
2. Any individual with poor credit will have a high debt to income ratio which is why such individuals apply for secured cards. Therefore, this particular card should not exclusively use credit as a factor.
3. I called US Bank 's customer service line and spoke with an unfriendly representative. She stated that ratio guidelines were set by the federal government. I then asked her what was the maximum according to those guidelines and she responded that the information was confidential. Confidential federal guidelines?
4. If delinquent accounts or poor credit history is a factor, credit companies ALWAYS state so as the reason for the denial. That was not the case with this application, leading me to believe that there are other biased factors that may contribute to the denial of a SECURED card requiring full deposit of the credit limit requested and may require federal investigation.
5. Whether US Bank uses federal guidelines or their own, that is critical information that should be provided to any consumer requesting approval, especially if the consumer is suffering from poor credit and specifically seeking to restore such credit. The hard inquiry also means a point reduction in credit score making any preventable denial a disservice to the consumer.
6. US Bank had internally decided to discontinue the card prior to the denial of my application. I believe this to be the real reason my application was denied. The card is also no longer being offered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A debt validation letter was sent on XX/XX/XXXX to prove that this debt is owed by me. This is very damaging to my credit as I try to apply for my first home. This validation letter was sent on XX/XX/XXXX as of today XX/XX/XXXX this debt has yet to be proven to be owed by me. This company has not replied to the verification letter of the this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Windham Professionals, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive daily calls from a recorded message saying that they are looking for a named person who I do not know and that my telephone number and the persons name is somehow associated to my information. The calls are threatening if I do not return the call which I never have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I made a large deposit on XXXX/XXXX/16 at XXXX XXXX Eastern time to my savings account, # XXXX at Wells Fargo, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. At the time of deposit I was told the funds would be available either Tuesday or Wednesday. Today, XXXX/XXXX/16, I was told the funds would not be available till XXXX/XXXX/16. Yes that is 7+ business days from the deposit. Is n't this in violation of a banking regulation? The time is excessive! Also I was told that the check was held by the bank and not presented till XXXX/XXXX/16. Please tell me what type of legal action can be taken? 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On  XXXX  purchased  XXXX  products for shipping only.  XXXX  for {$5.00} and the other for {$5.00}.    XXXX   XXXX   Received cr edit card bill on  X/XX/17   , opened statement to review charges. Found the above charges and tow additional charges I did not agree to. They are :  XXXX  FOR {$92.00}  XXXX  FOR {$92.00} On  X/XX/17   , I called the credit card company and the company of the products. I was told I could not have my money refunded because I did not call within the 14 day free trial period. I told them I did not agree to this. I was told I did agree to this when I clicked the " By clicking below I agree to the terms and conditions and am  18+ y ears old. '' However, I never saw any terms and conditions. The terms and conditions did not have a link to go to to read the terms and conditions. However, the credit card company and the products company refuses to refund {$92.00} and {$92.00}.

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 monetary relief
Consumer complaint received 2015-06-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
We used our XXXX to book a cottage through XXXX for a mini vacation to celebrate my husbands first year in XXXX and the completion of his first year of school XXXX and still working towards his XXXX degree.  The room they booked was unfit for staying in. It was at XXXX.  They charged us and showed a prime place on their site at XXXX for XXXX a night.  When we arrived the septic field was dug up right next to the cottage they put us in.  The living room floor was caving in and my sons were tripping and fell XXXX, the bathroom door wouldn't close and there were animal feces next to the stove.  I have the pictures.  I called XXXX to cancel Confirmation Number XXXX.  They wouldn't because they couldn't get the managerof the place on the phone.  It stunk we were getting sick and the ad said it was airconditioned.  This was a lie the bedroom had no vent and no air conditioner seperate and it was XXXX degrees in the keys.  We told XXXX we couldn't stay it wasn't fit they said you have too.  That's fraud they falsely advertised this place.  They wouldn't cancel we offered pictures,  we offered for them to skype in they wouldn't.  We had to leave and had to pay for another hotel it's on our bill as proof we put the keys in the maagers night drop box and drove XXXX hours and checked in at XXXX that night,  then we went home sad and broke.  XXXX is saying they can't make XXXX  remove this fraudulent biling.  Now the XXXX in bogus fee's are putting us high on our credit card and were trying to buy a house.  So it's hurting our credit ,charging us money we don't have.  XXXX  He's in school getting his XXXX Degree XXXX.  He already helps XXXX and wants to help XXXX  This was his treat for 70 hr weeks,  for a year,  trying to do school and a internship so he could bless others.  We were not so upset about it happening we forgave but to charge us for this is horrible.  XXXX need to get a heart or not be used by consumers.  Also they need to be responsible and step up when their merchants commit fraud.  We have all the pictures from this fiasco as proof. XXXX says it's to bad but XXXX says too bad the manager wouldn't cancel.  The manager renting fraudulent rooms doesn't want to give up his money.  Really?  I thought XXXX were there to help us with that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Experian Information Solutions Inc.
State: GA
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:
My credit was pulled and sent to a lot of different lenders by XXXX XXXX XXXX ( XXXX ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX GA XXXX to pull my credit and shotgun my credit to a lot of lenders. I checked my credit before I went car shopping and I was at XXXX in one of the bearous. When I did make my decision in purchasing a vehicle, I went to a different dealership ( XXXX XXXX ) to purchase my vehicle and when I gave them permission to look at my credit they had told me that my score was not XXXX and had dropped to XXXX and that they could see a lot of inquiries in the last two days from XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and I asked to speak to the manager and they told me he was n't available. I worked so hard to be able to get it up in the XXXX 's before purchasing a vehicle and at that point when XXXX XXXX had told me that my score had dropped from XXXX sending my credit to different lenders. I had no choice but to take the interest rate XXXX XXXX was offering me because of my credit score dropping so many points after XXXX had used my credit without my consent and sent it to diferent lenders. XXXX XXXX XXXX 2016 are the dates that XXXX XXXX XXXX used my credit to send it to multiple lenders without my consent. My name is XXXX XXXX and my cellphone is 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 2016-09-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Filed disputes for charges from my Wells Fargo bank accounts. Merchants provided emailed or paper receipts reflecting credit slips including cancelled transactions. However had to file disputes in order to recover funds. I provided Wells Fargo with all requested documentation to recover funds. The contact center and branches decided to close all of my accounts. I requested my funds from all accounts and expressed that no balances, overdrafts, charges or credits were pending against the accounts. More specifically my savings account has no attachment to my affected checking account. Wells Fargo has advised not to provide my {$410.00} to me until XX/XX/2016. I advised that these funds are social security income funds. Branch and executives advised that they refuse to release my held funds. I demanded a release of my funds and they refused. I advised that this is illegal and Wells Fargo has violated my rights!

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 2017-05-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company advises that I owe the amount of {$1200.00} and the payments are late. This is not my 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
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion is showing XXXX inquires on my credit report that I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the inquires have the date of X/XX/16. When I called Transunion on XX/XX/XXXX, the representative told me that I need to dispute it directly with the financial institutions. That 's not possible, because I 've never done any business with any of them.

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