BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-05
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my servicer, CitiMortgage, until I paid off my mortgage # XXXX, XXXX # XXXX last summer. I have no idea who actually owned the mortgage. An undated Release of Mortgage by XXXX XXXX XXXX XXXX , XXXX recites that it " does hereby acknowledge that it has received full payment and satisfaction ... and in consideration thereof, does hereby cancel and discharge such Mortgage. '' If CitiMortgage gave my payments to XXXX , XXXX, it misapplied them. XXXX, XXXX does not lend money ; can not hold legal title ; or be a mortgagee under XXXX. law. XXXX. General Laws c. 183, s.65B. I asked Citimortgage repeatedly to return my promissory note. It did not. On XX/XX/XXXX, I sent Citimortgage a Qualified RESPA Request, Notice of Error, & Request for Information for, inter alia, ( 1 ) whatever instrument assertedly authorized " XXXX XXXX, Assistant Secretary '' to execute the purported release of my mortgage on behalf of XXXX XXXX XXXX ; ( 2 ) if my loan was securitized, the complete name of each specific Trust in which it was supposedly securitized ; ( 3 ) the XXXX number for each Trust ; ( 4 ) the Trust 's opening and closing dates ; ( 5 ) the date that my mortgage loan was assertedly sold into the Trust. 
If the Trust 's Pooling and Servicing Agreement or equivalent instrument is not on the public record, provide a certified copy. 
Provide my original, wet-ink promissory note executed in respect of this mortgage, IN ITS CURRENT CONDITION, showing all indorsements or allonges ; Identify the principal ( XXXX ) for whom XXXX XXXX XXXX purported to act as of XX/XX/XXXX and XX/XX/XXXX, with written proof of any authorization for XXXX, XXXX. 
( a ) to act as of those dates for the lender, or the lender 's then-current successor or assignee, with respect to my mortgage, and/or ( b ) to receive my mortgage payments. 
I also asked whether my mortgage was ever assigned, & if so, certified copies of all assignments ; andTo confirm or deny whether my promissory note was ever sold separately from my mortgage. 
And some other things, including the Servicing File. 
Citimortgage received my request on XX/XX/XXXX, per USPS Domestic Return Receipt # XXXX XXXX XXXX XXXX. A XXXX XXXX signed for it. 
I have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We have been clients of Chase banking for over 20 years with no issues. As of XXXX XXXX, 2016, our account was compromised ( both checking and savings ) in which all of our money was removed from the accounts. We had realized that our account was compromised when we attempted to make a purchase and our account was denied. We received no alert from Chase that a questionable purchases from another state were made. We contacted Chase the moment that we found that our account was compromised and they had closed our account and told us that we needed to go to the nearest Chase bank to open a new checking account which it would take 48 hours to reimburse us. We opened the new account on XXXX XXXX, 2016 at the XXXX branch in which they claimed that the money would be placed into the new account. We explained that our paychecks are directly deposited into our checking accounts and they assured us that the paychecks would be wired from the old account into the new account. The money from our paycheck was deposited into the new account, but as of Friday, XXXX XXXX, 2016, our account once again had a zero balance. None of the money was taken out by us. We returned to the XXXX branch, spoke to the representative that opened our new checking account, and she told us that the money that was removed was from a computer error and would be back in our account by Monday or Tuesday. Today, XXXX XXXX, 2016, I had called the bank representative and she had told me that all of my accounts had been closed and that our money would not be reimbursed at all ( XXXX the money that was originally taken from the account, as well as our most recent direct deposit. She gave us a phone number to call, because she did not have further information for us. After calling the number, we spoke to a XXXX, who explained that the claim went through review and due to " multiple claims '', we are liable because our bank accounts were not secure enough. I had inquired about the " multiple claims '' in which he changed his wording and mentioned that it was only XXXX claim. He said that Chase no longer wishes to do business with us. This has been the first time that we had ever had a compromised account without my knowledge as to how the account was compromised. The transactions were made in Florida from what we were told and we had not been in Florida nor made any transaction with anyone in Florida. It was explained to us that since the money taken was less than {$5000.00}, our account would be reimbursed, which did not happen, nor did the reimbursement of our direct deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On numerous occasions, since XX/XX/2022, the TransUnion Credit Freeze page takes my personal information. When trying to proceed, the next page says : We are sorry, but we are unable to fulfill your request at this time. 
What to do now : If the problem persists, please contact our Website Access Support team at XXXX, available Monday through Friday : XXXX XXXX  to XXXX XXXX, and Saturday through Sunday : XXXX XXXX. to XXXX XXXX. Eastern Standard Time. 

Calling the telephone number, the person says they're system is working just fine. No problems. 

Tried again today, XX/XX/2022. Again, same message. 

There is no other way to contact TransUnion.

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 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have attempted to get my annual free report from transunion for 4 weeks and I am unable to have the report delievered to 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 non-monetary relief
Consumer complaint received 2022-11-16
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had lost everything in hurricane Irma. I would normally have been in Florida but due to health I was still in XXXX XXXX. I had made the decision to become a full time Florida resident so I closed my accounts up here. Because I was going to be in Florida within a matter of days I decided to open a new account in Florida. I'm retired so the account was going to be just for my social security. After the hurricane I stopped receiving any mail from Florida. My home in Florida is gone. It will be years before I can return. So I reached out to social security. Because I hadn't opened a new checking account social security suggested I open a local account. They need a few weeks to process a new direct deposit and said my direct deposit would be sent to my recently closed account but that bank would send the deposit back to social security and they would then send it to my new account. So I go to the us bank on XXXX XXXX XXXX XXXX XXXX and open a checking account. All goes well but the woman clerk tells me I need to bring in an official us mail so they can verify my address. Never heard of that before and I had been clear in that I have no mail. I used my dad 's address in stetting up the account so she said at some point thet I'd need to bring something in. I told her that social security was sending some forms and I'd bring them in. 
This morning, XX/XX/XXXX, I called to see if my social security check was deposited. I was shocked when they informed me that my account was suspended because apparently I had two days to bring in some mail. I spent the entire on the phone with 8 us bank employees and got the same story. They even said it was mentioned by the woman in my application. 

Now here is where it gets really odd. The first woman I talked too then mentions I had opened another checking account this morning. I was shocked and she couldn't explain anything about the account. Now I opened my account one week ago, I received two letters ( by the way they would not accept their mailing as official ) one was my new pin the other my debit card but I didn't open them till today. So after spending all day on the phone with them. No one could explain this new account. Finally one person said I had must have been hacked and it was my responsibility to resolve this with their fraud dept. 
Did some research and it turns out us bank had been fined XXXX XXXX for taking client data and opening account with out customers concent. I believe they are still doing it. 

In closing I finally gave up. The last person I spoke with I told him I would go to the branch tomorrow and close the account. The response,, because my account was suspended I could not close it until I brought in an official mailing address to 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 2016-07-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card refuses vehemently to refund my {$490.00} plus {$190.00} shipping for an electric bicycle I believed I was ordering thru XXXX. Apparently XXXX ( a " crowd sourcer '' " crowd funder '' ) is known for scams and fraud- but I did n't know this. I have kept all my " purchase '' receipts which use the words " Buy '' and shipping and itemize the charges. It is an ad to purchase an electric bike/ says nothing about funding a " start-up ''. Apparently there is no Ebike and no " campaign owner '' - the only " person '' I could find is called " XXXX XXXX '' ~ who has a # of XXXX XXXX aliases if he exists at all, and has created fictitious partners. I have only seen small pics of the notorious XXXX XXXX entity on some complaint chat boards where he wears motorcycle googles and a hat and could be anyone. my feeling is that XXXX is scamming with these fictitious people- they brag they " collected '' XXXX on the last Ebike `` campaign '' but I have not heard of anyone who has received a bike. What do they do with the $? As others have stated it appears to be a very clever Ponzi scheme. These crowd funding sites were apparently allowed under the XX/XX/XXXX or XX/XX/XXXX Fed Jobs Bill and not regulated in the least. They have also recently been given permission by the SEC to trade securities -/ with NO oversight! 
And they are apparently operating tax free! So the IRS, SEC, FINRA, AGs of CA and maybe other states should be shutting them down- apparently they slide btw categories as a " crowd funder '' " crowd sourcer '' but they are also clearly marketers and sales. It 's unbelievable to me that this co remains at all! As a consumer affairs writer I am amazed and awed at their level of fraud- which seems to be protected from very high places. My MasterCard ( citi ) categorically refused to to return my $ after XXXX stated they did n't have to give it back and I should expect to lose it. 
Remember, The only ad i saw was a product ad by XXXX selling the bike.I believe this co is fraudulent from top to bottom. Why are n't they shut down? This is clearly fraud. My credit card co said it was n't fraud since I gave my credit card// btw, XXXX only has a phone with a tape and no way to reach anyone. They only give " XXXX XXXX '' as " campaign '' contact name. And if u get to the bottom of the " Wave '' Ebike ( product ) and XXXX- the appear to be one and the same.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3700.00} ; 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 XXXXXX/XX/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 2015-10-03
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX unauthorized withdrawals made to my checking account in the total of XXXX dollars via teller machine. After filling a fraud investigation request with banking institution CITIBANK they have refused to investigate. I filled a police report with local agency and have given them the report as they asked. I am still being told the investigation is denied and Im not going to get my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was advised by my book keeper on XXXX XXXX, 2016 that access and activity on our checking account was abruptly stopped. This was done without prior knowledge to me and without my consent. 
Efforts to restore service VIA telephone and directly at my bank were unsuccessful and refund of my money was denied. It is important to note that no indication, ( both written or verbally ) was even communicated to our office regarding imminent action nor do I find justification in doing so for ( what I later learned ) " my negligence in not confirming that I am the sole owner of my corporation '', A fact that they already know. 
This action by Citibank had triggered a domino effect of un-honored checks which we had issued, and has literally crippled our ability to conduct business, and which has consequently, created a negative credit reputation. 
I have worked very hard over the years to develop and maintain a positive financial image and must hold Citibank Corp. directly responsible for the consequences they have caused.

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 2022-11-16
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Midland Credit Management , Inc stating I owe them a debt again after I already told them to cease and desist. Today I looked on my consumer credit report and Midland Credit Management , Inc has a collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: OH
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted a validation letter to XXXX and Equifax XX/XX/2021 asking for confirmation IN WRITING that the debt is mine. It is now XX/XX/XXXX and I have yet to receive validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$11000.00} 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 non-monetary relief
Consumer complaint received 2015-05-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home, paid down the loan caught Ocwen putting Principle monies towards payment XXXX times, I moved, and rented the house out, I took out Landlord insurance with XXXX XXXX. Claim # XXXX The renters vandalized the house and XXXX gave me XXXX for damages. The check was put into my name and XXXX. I sent the signed check with all their required Docs. they received it on XXXX XXXX 2015. In their letters they say how my fist draw will be in 7-10 days, today is the XXXX, ,I called and got the run around. First I was told they did n't get the check, then they did n't get the paperwork, it was all in the same package, then I was told, '' oh we see we got the check, but we need the paperwork '' ... I told them it was all in the same package ... ..Then it was " oh lets see if we can find it '', I 'm getting the royal run around with these folks, holding up the construction and selling of this property but I 'm still making Insurance and mortgage payments on a house no one can live in!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
All XXXX credit bureaus is showing several different information. XXXX is showing a balance of {$190.00} with XX/XX/XXXX being my last activity date, XXXX is showing a different last activity date of XX/XX/XXXX while XXXX is showing a balance of {$200.00}. Please investigate and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a business line of credit with Wells Fargo Bank. My company went bankrupt but we continued paying on the loan. Wells Fargo unilaterally discontinued our account access and sent no statements. They contacted us after XXXX months and still refused to give us account access since it was part of our company, but they said we had to pay it since it was personally guaranteed. They still would n't send any statements or billings. Today they took over {$3400.00} out of my personal Wells Fargo account. They still have not given me any written explanation of the amount, fees, interest, anything. The representative at Wells Fargo XXXX XXXX at XXXX XXXX was not only rude but also refused to give me any information about the amount taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Macy 's Store Card and all of a sudden in XXXX of 2015, unbeknownst and unapproved by me, they started charging me {$0.00}, {$0.00}, {$1.00} every month and then charging me minimum finance charge and late fees when I did n't see it getting paid. 

The information for the company billing me was 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 monetary relief
Consumer complaint received 2016-08-27
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Issue: Payoff process

Complaint:
I called Citi for the third time this year to request a reduction in the interest rate for a credit card that I have had for 15+ years. They denied my request each time. I began making automatic payments of {$950.00} a month 1 year ago. My balance in now under {$3000.00}. They continue to charge me 28.9 % interest. Now, my interest payments are greater than the costs of any charges on the card, should n't they reduce it? Whenever I call, I ask to speak with a manager. This time they told me " marketing '' sets the rates on cards! I asked for a manager again, was put on hold for 8 minutes, then cut off. Bad bank, bad policy, bad service. Ca n't we today this card off.

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