BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My Citi Card will not allow me to make changes to my profile as it says I am authorized user which I am not. I am the only card holder and primary I have spent hours on XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX trying to resolve. They transfer me around to about dozen different departments. They have reset my user profile and it still says I am authorized user. On XXXX  I spent my time from XXXX XXXX  being transferred overseas to numerous departments and all refused to let me speak to a supervisor. On XXXX  XX/XX/XXXX same issue. All says my account is fine need to talk to technical support. I am not able to change my profile or access my Thank you Rewards points. I am the primary card holder. They have refused to let me speak to a supervisor or transfer me state side to speak with a rep.

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 2015-12-01
Company: National Principal Group, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not think I ever took a loan from these people. XXXX XXXX is apparently where i obtained the loan, though i do not recognize this, and I am being hounded by a company called National Principle Group, They say I took the loan in XXXX, they say I made payments from XXXX to XXXX of XXXX. They say I borrowed XXXX but owe XXXX. I have taken loans from Pay day people, ( I admit it sadly ) I have ALWAYS PAID them back and in fact have not used XXXX for several years now. These people are harassing me at work and on my cell. I have told them I contacted my attorney General 's office, that I will pay if, I in fact owe it, and have requested that they send me the information in writing, through the mail. They will not, usually yelling at me telling me they 'DONT HAVE TO DO THAT '' they want to send me an email, ( but the email they have for me is no longer good, I have NO, and will NOT give them my new one ) They do have at least the last XXXX digits of my SS # and my bank account, as well as my home address, and both cell and work phone numbers ( obviously ) they will not give me the information on the account they say I have, not the account number or anything. They said they would take a settlement of XXXX if I paid right away. I have not. i can block them from my cell, but i ca n't stop them from calling my work, how can i do this before i get fired!!! if i owe it, i will pay it. My question is why wo n't they send it to me in writing if it is legitimate? i have not moved, nor changed jobs since the date of the so called debt, if i did owe this money i ca n't believe that i have not received one thing in writing or before this time from 6 years ago. 

National principle group-several phone XXXX plus ext XXXX ( quality assurance, haha ) fax XXXXXXXXXXXX address is a po box XXXX XXXX XXXX # XXXX, XXXX, ny XXXX, at least this is what is on the internet as their addressSome of the above info is from their websiteAs i said, if i owe it, i 'll pay it, but i need this to stop, i ca n't have the threats of some goons banging at my door or hauling me away for XXXX!!! and i ca n't go through my work day worried about them calling everyday. BOY WHAT A MISTAKE, ONE I WILL NEVER MAKE AGAIN. 

The first person i talked to was not bad, firm, but not mean, the XXXX and XXXX ( i no longer take the calls if i can help it ) were both harassing, yelling, threatening, talking fast, never letting me say anything just yelling, " admit you owe it, admit you wont pay it, we will take further action '', when i ask for it in writing they yell they do n't have to, they will send it in an email and i can print it, but when i told the Atty Gen, they said they will send the email but it wo n't contain any information and that they HAVE to send it by mail, which a legitimate collection co would do. it 's getting meaner and more harassing with each call and i will admit to being scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Consumer Financial Services
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A financial institution with which I 'm indebted, has sent several employees to my apartment complex, knocking on my neighbor 's doors. They engage into conversation with my neighbors to " break the ice '', and then they commission my neighbors to give call them as soon as they see me, and they share with them the fact that I owe money to this financial institution and I am behind on my payments. None the less, last night, XXXX of their employees came to my apartment at XXXX, and I asked her to leave as she was violating fair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: MOHELA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans were transferred roughly 90 days ago and my account still fails to reflect how many payments I have made, or how many payments I have left before my loans are 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 2016-05-06
Company: U.S. BANCORP
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, I received a debit card in the mail at my home address from US Bank with a " welcome kit '' that I did not request. Within an hour, I called US Bank to let them know that the account was fraudulent. I requested at that time that the account be closed. I subsequently ( within 10 days ) received paper checks in the mail that I destroyed. At that time, the statement balance was {$25.00} that I assume was deposited by the fraudster to open the account. I received nothing from US Bank for the next three months. In late XXXX XXXX, I received a US Bank statement indicating a negative balance of XXXX for withdrawals and monthly fees. When I called them, US Bank said that I needed to fill out a detailed fraud complaint so that they could close the account. I filled out the paperwork they send me via email ( which included copies of my drivers license, utility bills, etc. ) and replied back to them with the information on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they replied and requested missing information including a notarized theft statement and a copy of my original SS card. I could not locate my ORIGINAL SS card ( I am XXXX years old ) but I did send back the notarized statement. Imagine my surprise when I received a letter dated XXXX XXXX, XXXX indicating that this FRAUDULENT account was overdrawn and has miraculously finally been CLOSED. However, US BANK claims that I now owe them {$40.00} in FEES. On XXXX XXXX, XXXX I again called US Bank and their rep " XXXX '' told me that I could either pay the fees ( to make this go away ) or SIMPLY provide another notarized statement, go to my local SS office to get my replacement SS card ( which I would receive in the mail in 2-3 WEEKS ). Resubmit and hope for the best. My questions is WHY COULDN '' T US BANK just close the account XX/XX/XXXX before the fees were incurred? I ca n't help but think this is just a scam. Unfortunately, I have had my identity compromised twice before, and I have never had to deal with this situation. I simply called and closed the accounts immediately.

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 2022-11-14
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
According to letters that I received from U.S Bank, I was supposed to receive {$13000.00} worth of provisional credit from fraudulent charges on my account. In the letter dated XX/XX/XXXX, it says, " Please note, provisional credit totaling {$13000.00} will be provided 10 business days after receipt of your OCC concerns, which was XX/XX/XXXX, if the claims are not complete by that day. '' I did not receive the credit that they themselves said I would and it has been more than 10 days. In a previous letter from XX/XX/XXXX that I received in the mail, it said that they would need the claims in writing which I provided, but they did not give me proper time to submit them in writing seeing as they said they must receive them in writing 10 days after initiating a claim.

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 2022-11-14
Company: EQUIFAX, INC.
State: MD
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:
I received an alert from XXXX XXXX today that I had a hard inquiry on my XXXX and Equifax from XXXX XXXX XXXX! I have not applied for any credit from XXXX XXXX  XXXX at all and this just happened today! XX/XX/2022. Please help me! I am a senior and I have fairly good credit! This hard inquiry was not initiated by me and I dont need my credit rating to be destroyed by this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I am trying to stop the foreclosure of my home and have been working diligently with the Citizens Bank Home set for auction XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I found out today that due to Bank of America mistakes I am now on the blacklist at early warning services and other banks are not willing to give me an account. 

On or about XXXX XXXX 2016, my dad and myself went to a BOA branch in XXXX NY to open a bank account for our business. 

After the rep opened the account she took me to the ATM and had me deposit a check of {$9900.00} via the ATM. After the check went in a receipt was printed indicating that the check will be held for 7 days which was not acceptable for us. 

We immediately told her that it was not acceptable and we want the check back. The rep told us that it is not possible and got us the manager when we requested. 

The manager told us that it is not possible to get the check back and suggest that we put a stop on the check at our other bank. I responded that I will do so if BOA will absorb the fee associated. The manager told me he can make some calls and waive the fees from XXXX XXXX. About 15 minutes after I was told that a XXXX rep wants to talk to me regarding waiving the fee. 

At this point the manager at BOA was able to get the fees waived for a stop payment for the check that was in the ATM. I went ahead and confirmed with XXXX that I wanted to stop this payment. 

A few days later I was informed that the BOA account was being closed due to the first check getting returned. I was ok with that. We then went to our local XXXX XXXX and opened an account only to find out a few days after that they are closing it due to the reports of Bank Of America to XXXX. 

I would appreciate if someone from BOA would clarify with early warning services as to why they closed my account. 

The ATM number 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 monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern : All collection accounts You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

The agency cant prove I owe them the debt Ive asked for original documentation stating I contracted with them Have asked for it to be removed from credit because one or more is a Hippa violation Sincerely, 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 2021-07-29
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing my existing jumbo loan with better.com. They are asking me to increase my new loan amount $ XXXX more than my current loan balance on a loan that supposedly has discount points. They are refusing to lower my new loan amount or show me the payoff quote my current lender provided and will not request another one with the current amount. I had completed underwriting and was moving into closing when they told me I needed to bring {$7500.00} to closing. This occurred on XX/XX/2021. 

They also made me pay for an appraisal which they knew they would not be using the value of based on their underwriting guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: AXOS FINANCIAL, INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
The loan company keeps calling me to insure me that loan check would clear and the freeze on my bank account will be lifted and the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Delbert Services
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I closed an account with Delbert Services ( DBA XXXX ) on XXXX by authorizing payment to be made in full. The transaction is reflected in my checking account. On XXXX XXXX, 2016 I followed the XXXX guidelines for disputing an entry on my credit report. I sent the document via fax ( all receipts and confirmations available ) expressly requesting that the entry be disputed as their data as of XXXX of 2016 still showed an open account with a {$10000.00} balance. XXXX has refused to place the issue in dispute or make any changes. I am working to pay my bills but when XXXX and Delbert services throw roadblocks in my way and refuse to even communicate with me it makes it a lot harder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
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 or about XX/XX/2022 the company was contacted by me regarding information I believe inaccurate and/or incorrect being reported on my credit reports. I asked the company to provide account level document regarding the account. I asked the company to provide proof of ownership of the account among many other items which can be seen clearly in the attached documents the company has failed to respond and failed to delete the information it is reporting as accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called the company on XX/XX/2022 and requested validation. I also sent IQ Data International a Certified Letter, dated XXXX XXXX, XXXX  requesting that they validate the debt within 30 days. Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX. The company has yet to respond to my Certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Frost-Arnett to collect a debt to XXXX XXXX. A Check was sent to XXXX. The letter threated to hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have switched my home insurance to XXXX in XXXX. Quick Loan escrow made a payment to XXXX on XXXX XXXX in the amount of {$1100.00} and got a refund back from XXXX on XXXX XXXX because the payment was to the wrong XXXX. I was not aware that the payment was to the wrong place and refund was received until I got the cancellation notice from XXXX. I called Quicken Loan escrow on XXXX XXXX and they assured me that the correct payment will be sent out via overnight mail. I received a final cancellation from XXXX again, as the result, I had to pay out of my own checking account in the amount of {$1200.00} as the result of late payment. I called Quicken Loan escrow again to find out the status of the payment. Apparently Quick Loan escrow sent out a check in the amount of {$1100.00} on XXXX XXXX in the regular mail instead of overnight. As the result of Quicken Loan escrow. I end up paying additional late fee and the risk of cancellation on my home insurance policy. Quicken loan not only did n't pay my home insurance on-time, it was also paid in the wrong amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
An unknown representative from Financial Credit Network called my cell phone and left a voicemail asking for a return call. She did not state her name, the company she was with or that she was attempting to collect a debt. I have a no-call agreement with FCN because I have a recurring payment plan set up to pay the debt and am current in doing so. The call XXXX are unnecessary and borderline harassment. I had to XXXX the return phone number to find out it was Financial Credit Network who had called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The Ditech company keeps sending me a collection notice on property that I have never owned or had loans on this property. They say I have a loan from this company when i do n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: LJ Ross Associates
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:
i have a fraud account on my report ive submitted all required documents to support my claim, the bureau claims that these documents were not in report as a cfpb rep clearly states that they are included as this report will also ... ... .. L J ROSS ASSOC IS A FRAUDULENT ACCOUNT I WILL LIKE TO HAVE IT REMOVED IMMEDIATELY

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a XXXX XXXX I ordered XXXX authorized transaction from XXXX XXXX XXXX ( based in XXXX ) and for XXXX year, they made fraudulent charges, totaling over {$1900.00}. XXXX has a protection plan, but they are playing hard ball and stonewalling me. I went through the process, and it has been over 30 days. I need help to reclaim {$1900.00} taken from my checking account. I have contacted the bank and the bank says to contact XXXX who does nothing. The date the fraud started was XX/XX/XXXX and it has been continuing until XX/XX/XXXX, in the total amount of {$1900.00} by XXXX, through 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 2016-12-03
Company: U.S. BANCORP
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
US Bank keeps sending letters for a lease vehicle we no longer own. It was turned into dealer one day before end of lease and have threatened to turn into a credit bureau.

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 2016-02-19
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I signed up for a XXXX Secured account ( paid {$300.00} ) but was n't made aware of the {$35.00} annual fee so when I got the 1st bill, I called the bank rep who sold me this product and cancelled the card because I NEVER sign up for cards w/annual fees. I did charge {$58.00} so I asked for my {$240.00} in writing on XX/XX/2015 and have yet so receive it even after attorney letters went to them. They did send XXXX cks ; XXXX for {$120.00} and the other {$55.00} but those cks add up to {$170.00} and were not cashed. So where is my full {$240.00}?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation