BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
On XXXX XXXX, 2017, XXXX should down my AmexCard within minutes stating someone made a purchase at XXXX. I have not been able to get access to my account online or through the telephone. They have illegally charged me late fees and interested. I contacted Mr. XXXX XXXX and over ten ( 10 ) through faxes and he has never responded. To this date, I am unable to gain access to my account. They have intentionally ruined my credit. I did nothing wrong. I have a XXXX balance except for their illegal fees and late charges. They have ruined my credit reporting me late which is untrue as I am unable to even gain access to my account. They closed my account. I have never received any statements for the last three ( 3 ) months. Again, they have violated my rights. I can not even view my account online. I do not have any valid credit cards from them that are operative. Please investigate and fine them for their illegal behavior.

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 2019-12-06
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced primary residence mortgage with Loan Depot which was to close on XX/XX/19. Disbursement date was supposed to be XX/XX/19. Received automated email on XX/XX/19 that my mortgage was funded. I received a late fee notice in the mail from original mortgage company since the loan was not paid off by XX/XX/19. I reached out to my contact at Loan Depot via email on XX/XX/19 requesting when my loan was going to be disbursed. She responded on XX/XX/19 and indicated the settlement agency ( XXXX  XXXX  ) was running about a week behind on " payoffs ''. My original mortgage was then paid off on XX/XX/19. I was supposed to receive {$1800.00} cash to close per the Closing Disclosure. I have not yet received. I prepaid interest from XXXX in the amount of {$560.00}. I emailed my contact at Loan Depot via email again on XX/XX/19 asking them to wire my money ASAP and never received an email back. I called the contact with XXXX  XXXX  listed on the Closing Disclosure on the morning of XX/XX/19 and left a voicemail to call me. I finally got a hold of a live person on XX/XX/19 from XXXX  XXXX and she said she would put a rush on the payment. I asked her to give me a date the funds would be settled. I have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is not a 3rd party nor did I submit this in error.This is second letter I have sent to Equifax and they are intentionally and willfully being neglectful in remedying my affairs, see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
International remittance was sent via Western Union and XXXX payment services by perpetrators whom had access to personally identifiable information transmitted through electronic means for the purpose of extortion of monies during the covid pandemic. The transaction numbers provided in addition to the phone numbers in question from non-domestic numbers are questionable and require further remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On  XXXX   XXXX ,  XXXX  I applied to refinance my home mortgage. with  XXXX   XXXX . They ran my information through  XXXX  automated underwriting system and I reported back that I had a mortgage charge off.     I know for a fact that I did not have a mortgage charge off. I contac ted CitiMortgage  immediately to clear the issue. After being hung up on and given the run around, I was told they did not report my account as a charge off. The account in question was refinanced in  XXXX  by them. They have refused any further action or responsibility.     In the mean time ... .CitiMortgage is the only one that can clear this error and my rate lock expires in 14 days.

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 2017-06-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working on mitigation options wi th SPS sin ce   XXXX   XXXX   XXXX  . I have supplied all documents requested in a timely manner, however SPS is constantly asking for additional information, asking to re-send information. Then on    XXXX   XXXX   XXXX    they inform me that the review will be continue because the file was not received 37 days prior to the foreclosure which is currently set for  XXXX   XXXX ,  XXXX . The documents they requested were sent to them on  XXXX   XXXX ,  XXXX  and they failed to inform me that there was a deadline for those documents to be sent in. Additionally, I am not confident tha t SPS has  the legal rights to foreclose as they may have received the loan transfer after default nor can I find a recorded assignment of the deed of trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have had numerous conversations with CITI regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into CITI through Costco. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to CITI and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the CITI phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XX/XX/XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.

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 2017-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all  XXXX  bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted  XXXX ,   XXXX   and Equifax to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent in my disputes twice now to Experian and they keep sending me stall letters. I have sent them the information needed to dispute my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account does not belong to me. I have reached out to Transunion, XXXX, and XXXX  several time via mail in reference to this matter. 

XXXX XXXX XXXX acct # XXXX amount- {$420.00} XXXX  XXXX Acct # XXXX amount- {$770.00} XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX amount- {$250.00}

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
Consumer complaint received 2019-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 started my Capital One account and have never made a late payment. All of my payments have been on time, and I have even paid 10 times over the minimum amount. While having the account there were two payments that didnt go through. The payments that didnt go through was because of fraudulent activity that was cleared up through my other bank but those payments were also not payments that were even due. I was just trying to do good by my credit company. After I sent them a claim because of the data breach they used the two times my payments didnt go through as a reason to XXXX down my account. Their policys are unlawful and discriminatory. They charged me high interest fees and yearly fees that were not supposed to be there. I will be taking legal action if this does not remedy my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On X/X/17 a Federal Benefit Credit ( Social Security ) for {$41000.00}, was deposited to my checking account at USBank. I went to the bank that day and spoke to XXXX XXXX who told me i would have to wait until XXXX to make sure it cleared? I didnt argue but I went back on XXXX to withdraw the full amount. XXXX XXXX told me he could only give me {$15000.00}, cash and would " order '' the rest and it would be Thursday XXXX before I could get my XXXX I made him give me a Cashiers Check for {$24000.00}, as I didnt want to leave the $ sitting in my account. I need the money now! I called him the morning of XXXX and asked him to contact the other 4 branches of USBank and get me the rest of my . He got nasty and said " I told you I wont have your $ until XXXX ''. I told him that was unacceptable and I need my $ now. We had words and he hung up on me! I called another branch and got the name of the " District Manager '' XXXX XXXX. I called him 3 times and left messages on voicemail XXXX. He still hasnt called me! This morning I called him and left message that I was filing a complaint with Consumer Finance.gov. Bottom line is they wont give me my funds. There is no excuse! PLEASE HELP ME! 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 2021-11-13
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a debt on my credit report from EOS. Collections company. They claim I owe a debt of XXXX..from a service for which I orginally cancelled my XXXX account at the address if XXXX XXXX XXXX. It was paid in full and I returned the Equipment. They are stating the debt is from XXXX XX/XX/XXXX. I did not reside there at the time. I moved to XXXX XXXX XXXX in XX/XX/XXXX. 
I tried to explain all this to them..but they still were trying to get some money. I told them..why should I pay for a debt..that is not mine. I did not live at that residence. during the time period they claimed. 
I hope to get this resolved and removed from my record..and credit reports. I did live at XXXX XXXX XXXX.for 19 years..the home was in foreclosure from XXXX till the time I moved out in XX/XX/XXXX. But my XXXX account was paid in full. I was not there during the times they claim I owed the bill. Which was XXXX..to XXXX XXXX..the house was empty. 
I was residing at XXXX XXXX at the times claimed debt they stated. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data is currently reporting negative information on my credit reports. They were in receipt of a letter on   XXXX   requesting verification/validation of this debt as I have no knowledge of this account and have never done business with this company and they have failed to provide this information. They printed out what appears to be a statement with an amount that does not even add up the amount they are claiming I owe. Further, they handwrote an additional amount which still does not add up to the amount they are claiming I owe and which makes absolutely no sense. This is a violation of the Texas Finance Code as this company is now allowed to collect " interest ' '' on an account unless they have entered an agreement. Further, per the Texas Finance Code Section 392.101, a debt collector must hold a surety bond in the State of Texas in order to attempt to collect a debt. IQ Data has failed to comply with these regulations. I have attached all documentation that was mailed to the company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am disputing my Bank of America HELOC loan ACCOUNT # XXXX. 

Bank of America Home Loans has notified me multiple times that my HELOC mortgage is at a zero balance. Multiple times they have offered to mail me a paid in full letter and release of lien letter. I have written correspondence dated XX/XX/2016, from Bank of America XXXX Home Equity Line of Credit servicing company, stipulating the following : If you have a second mortgage Once your first mortgage is permanently modified under HAMP, a second mortgage on the same property may be eligible for a modification under the Second Lien Modification Program ( 2MP ). 

My lender advised me numerous times that my HELOC had a XXXX balance and had been charged off and that my debt on the referenced account was eligible under the United States Treasury 2MP guidelines for a full extinguishment of my HELOC loan. 

I have been misled, decided, and discriminated by Bank of America.

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 2021-04-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Over a period of six months, I have been trying to close my CitiGold bank account and they have either ignored my request., promised it will be close and didn't. I have placed at least 6 calls to the customer service department and every-time they explain to me their account closing procedure, I do follow it to later receive calls from agencies saying that I have an overdraft. 

There is nothing special about my account, and I now believe this could be a systematic process at CitiBank for people that want to close their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: WELLS FARGO & COMPANY
State: AZ
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:
I would like to reopen the case # XXXX because Wells Fargo bank is NOT investigating and looking to see if the charge on my credit card is valid. I had a service that was paid but I did not get the service, I raised the issue multiple times with WF and every time they come up with a different reason not to investigate the case. Every time they assign a person to the case and they disappear for a week and then comes with different answer. First they said I received the service and the clinic sent them agreement with the procedure crossed out so WF will not see it, they never investigated why the clinic crossed out the service instead they deny the dispute. I explained to them that the clinic crossed out because they denied my treatment and they called the police to me so I did NOT get correction or followup on the procedure which they crossed out. After informing Wells Fargo and wake them up about the clinic behavior they disappears for a few days and then another person came from WF saying because it is medical treatment then we are not investigating it, so why then they allow people to use credit card for medical treatment, doe not make sense at all. In another response from WF they said we will give you {$300.00} so they can avoid the dispute and avoid spending the time and effort to investigate but I paid {$1200.00} not {$300.00}. There is customer rights under credit act and if the service is bad or not done then a refund must be issued but WF does not follow the credit card customer rights, I need my money back, I have police report, I have proofs or service that was not done and also I have proofs of WF not doing his job in looking after people who charge credit cards without doing the service. 
I attached the police report shows that the clinic stopped me from going to the clinic to correct and followup on my bad XXXX. I also attached two certified XXXX  stating that the procedure has to be redone.

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 2021-11-13
Company: Sunlight Financial LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a solar loan with Sunlight Financial, I have the original contract and before I signed, I was told that my loan was transferable in case I sell my property located in SC. I asked the question before signing anything because we are a XXXX family and we moved frequently. I am trying to sell my property due to XXXX XXXX ; I need to sell my property and buy a house for my family in our new XXXX XXXX, however when I contacted the financial institution mentioned before, they said they have a policy they cant transfer my loan to my buyer because the loan is less than {$15000.00}. They told me it is in my contract ; I have the original paperwork and there isnt any clause mentioning that policy. I tried to connect with a supervisor or managers to find a solution for this unfair policy that its preventing us to sell and buy a home for our family, however ; I havent received any answer. They just keep apologizing and scaring me saying that I need to pay off my debt before selling my property. I need help because they lied when I get my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX   XXXX   /Ocwen (   XXXX   XXXX   XXXX   XXXX   XXXX   ) an nounced back in   XX/XX/XXXX /  XX/XX/XXXX  that  my house would be getting foreclosed and I had to leave premises. There was an auction on my front lawn. I was told after to leave and I did. Later I received a  XXXX  validating the foreclosure and  seizure of   said home. Also calls directly from ban k I no l onger owned home. I then started receiving calls from police and neighbors of drug activity and other criminal activity at house. as well as calls from board of health. I kindly stated I no longer owned house. this went on for over a year. finally I was notified a   XXXX   XXXX     XXXX  offender was squatting at the home and I could be held liable. Then I went to registry and noticed something wrong with deed. Only to find out there was an " illegal foreclosure ''. The registry was ambiguous at best with fake and faulty assignments. the bank without notifying me unforeclosed, when they realized they did the foreclosure illegally. but by this time I had already moved. TO THE POINT A   XXXX   XXXX   REGISTERED AS LIVING THERE! I removed   XXXX   XXXX   and secured the house through out the years spending a great deal of monies. The bank started sending me bills as if there was never a foreclosure and I lived there the whole time. I tried to explain how unfair it was to have me vacate, tell me I do n't own it, send me tax certs saying I do not own it. I was only a few months behind originally when it was foreclosed. then years later. say I own it. and now I owe all the money plus fees etc. I tried to explain how this makes no sense. if you took  it ( foreclosed ) legal ly and I was only 3 months late. How can you tell me years later, Oh we made a mistake and you owe all mortgages since the beginning? So the original bank, was   XXXX   XXXX   XXXX   contacting me and now ocwen.

Company response to consumer: Closed with explanation