BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Late fee

Complaint:
My credit card issuer, Citi Visa, assessed my account with a late payment fee of {$27.00} on XX/XX/XXXX that was a direct result of their online payment system being unavailable to access requests from XXXX. In speaking with their technical support services staff 1 day prior due date of about the issue they informed me that they were not able to provide an alternative and advised me to contact the Citi Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. 

On XX/XX/XXXX I contacted Citi Customer Service via their online Chat Service and spoke with an agent who informed me that they would not refund the late fee despite the online payment system availability and the assurances from their technical service staff and prior chat session representative. I attempted to escalate the issue by requesting to have a supervisor contact me to provide my chat session notes and the my account of all that occurred but the representative insisted they would not reverse the fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XXXX I opened a complain on this site ( Complain # XXXX - report is attached ) because XXXX was charging me late fees when I had applied and been approved in a monthly basis for referred payments until XXXX due to the COVID pandemic. By XX/XX/2020 XXXX finally responded that they were waiving any late fee I was being charged and apologized for all the inconvenience. 

Today I learned that XXXX had reported to the Credit Bureau that my account was late for 30 days, impacting negatively to my credit history. 

I am very much mortified for all the inconvenience and headaches XXXX XXXX has put me through. I had a credit score was outstanding and now it has decreased significantly decreased because of this situation. 

XXXX had taken almost TWO months to take care of the prior related issue and it was not even do it right. They have handle this situation very poorly. 

Now I have to waste time, resources again, to have this issue fix. This is not ok. 

I am enclosing the report that was filed and recently closed related to this current issue.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
It's been information reported on my consumer report that I consider private and it's account that should not be shown on my consumer 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 non-monetary relief
Consumer complaint received 2015-10-14
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I tried to set up by-weekly payment with Ocwin, but even through the website list by-weekly payments as a option no method exist to set it up. I called and the person I spoke to could not set it up either or could she direct me to a person who could. I believe this is fraud on Ocwin 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage assistance with ROCKET MORTGAGE under the CARES ACT OF 2020. I was told to pay my bill until I receivd a letter that I am approved and that would take 30 days. We were well into XXXX and I asked what I should do about the XXXX bill and I was told to pay and if I am approved XXXX I will get my money back. My approval date was by XX/XX/XXXX so I made sure they got my payment by XX/XX/XXXX and filed for forebearanced as instructed. 

I got my letter today and called in to confirm, and no one knew what to do until one resolution specialist said they don't have to return my money or start the forebearance next month. They can keep it AND charge it to forebearance and there's nothing I can do about it. I can not appeaL, I can not create a complaint. I can not speak to anyone else. I can not send a letter. I shouldn't have paid my mortgage on time. I begged that even if I was given the wrong information when I called in for filing information this was still a hundred year horrible world wide pandemic and Rocket Mortage should do the right thing. The right thing that they did was hang up on me after 40 minutes. Thank You Rocket Mortgage. 

I publish this so other consumers don't get abused by the policy -- they want you up to date or you won't get approved for forebearance, and then when you get approved for forebearance they will keep your money anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: LA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Prepaid card
Sub-product: General purpose card
Issue: Advertising, marketing or disclosures

Complaint:
I sent XXXX to a friend in Virginia to give to my sister because she needed the funds. Money gram took the money along with the fee from my card sent me a confirmation with a reference number to state the funds were ready in Virginia. When the receiver arrived she was told that the funds were not there and the number was invalid. I called money gram and after being hung up on several times I was told that they would refund {$2700.00} ( including there fees ) in XXXX4 business days. I explained that this was an emergency. They said no it was a scam area. I asked why did they remove the funds. I explained that my online account has sent money to this individual person and they said no. Now my family member is in danger because I do not have an additional {$2500.00} laying around to help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CITIBANK, N.A.
State: CA
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 have submitted a dispute for XXXX charged to my credit card on XX/XX/2019. Citibank has accepted this dispute only after I have complained to CFPB last month that Citibank had been refusing to accept my dispute. 
However, Citibank does not process my dispute according to the law, and they refuse to provide any information to me about the status of my dispute. 
When I contact Citibank I am subjected to XXXX abuse from their employees who tell that they are based in XXXX. these employees belittle and humiliate me. When I complain to them, they then tell me that they refuse to communicate to me on instruction from Citibank, They also refuse to provide their last names. The three employees that I communicated with all said they are in XXXX and that their legal names are XXXX, XXXX and XXXX. They all give American-sounding names. I submit to CFPB that Citibank instructs and/or allows their employees to give false names and racially abuse me, I insist that Citibank resolve my dispute and provide the credit for the disputed amount and cease XXXX abuse directed towards 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 2022-03-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I submitted a fraudulent claim in regard to a transfer and withdrawal of funds from my bank account to another bank account in the sum of {$2000.00}. This was clearly a hacked account situation and was reported. They sent me a letter which I received today XX/XX/2022 stating there was no error and no credits will be issued. This is wrong and I need to get the money stolen from my account back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir or Madam : My wife and I recently ( XX/XX/2022 ) attempted to refinance my mortgage with US Bank. I chose them because my existing loan was already with them. I was assigned a loan officer, XXXX XXXX XXXX XXXX help the process go smoothlyI thought. 
I filled XXXX XXXX in with all the personal and financial information he requested. He indicated that the only out of pocket expenses I would be responsible for was an application fee of {$390.00}. I learned, as the process continued, that XXXX XXXX concept of Out of Pocket did not include what eventually would become thousands of dollars in bank charges taken from the sum I was borrowingbut the truly outrageous problems were yet to come. 
In the first set of loan documents I was sent the estimated cash to close included a cash payment to me of {$4400.00} plus dollars. Less than what I expected but XXXX XXXX explained that because they had to increase the amount of the loan based on my income the costs had gone up. These loan docs were e-mailed and I Docu Signed them. 
In the mail arrived a full set of loan docs on paper for my wife and I to sign. On the page that included the costs, what previously was {$4400.00} plus dollars had now become {$550.00}! The costs had once again gone up. I tried calling XXXX XXXX for four days but got no response. Instead I received an e-mail from him with all the Loan Docs for me to final review. On the cost page of these docs was a shock. The {$4400.00} that had become {$550.00} was now listed as {$22000.00} for me to pay the bank in order to get this load!!?? After two more days of trying which included have the US Bank home office send an e-mail to XXXX XXXX telling him to contact me, I finally reached him by calling all morning. 
On the cost page the loan had gone up, the points had doubled and other costs had been included. XXXX XXXX put it off to the back that my home, that the XXXX had listed at {$630000.00} was now worth {$730000.00}! He also seemed totally unaware of the {$22000.00} the bank wanted me to pay them to get this loan. 
In the past 50 years I have had many mortgage loans and have been through a number of refinances. No bankruptcies never missed a payment, never foreclosed. What this appears to me is a clear case of discrimination. The bank feeling that my wife and I were XXXX plus and therefore a poor risk. Rather than just pass, they felt it was easier to propose an outrageous amount of costs and therefore I would just go away. To this day I have not received the $ XXXX XXXX paid as the initial fee, nor any sort of reasonable explanation for the hours my wife and I spent with paperwork only to be left with nothing. 



Sincerely, XXXX XXXX XXXX XXXX ID in 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 2020-10-02
Company: Experian Information Solutions Inc.
State: TX
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 been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and XXXX, Experian and XXXX  are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.

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 2016-08-02
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
My father XXXX XXXX bought this car for me several years ago as a gift ( XX/XX/XXXX ). I Never got the repairS finished or the DMV smog. So I gave it back to my father XXXX in XX/XX/XXXX. XXXX then gave it to his nephew, XXXX XXXX, in XX/XX/XXXX and turned in a release of liability with California DMV at that time. Some time later XXXX XXXX, my cousin sold the XXXX to his friend XXXX XXXX. XXXX then surrendered the Toyota to a Junk yard on XXXX XXXX, XXXX. I AM NOT LEGALLY RESPONSIBLE FOR THIS XXXX TOYOTA, VIN # XXXX PLATE # 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 2016-12-27
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chain of Events : First, I must state that I never, ever, use my M & T XXXX XXXX for purchases or payments. I occasionally withdraw cash from an ATM but it is not frequent. 

On XX/XX/2016, I discovered that an unauthorized, fraudulent debit - XXXX Online Phone Payment in the amount of {$150.00} - had been applied to my M & T Checking Account on XX/XX/2016. I immediately contacted M & T and was told to come in and file an affidavit. The affidavit was filed on XX/XX/2016. I requested future debits from XXXX XXXX be blocked but was told they could not block an individual debit, only freeze the entire account from all future debits. Since I had legitimate, automatic debits linked to the account ( XXXX and XXXX Prescription Plan ) I was advised to leave it open until I could stop these debits, a process I began immediately. 

On XX/XX/2016, M & T reimbursed me for the fraudulent debit on XX/XX/2016, {$150.00}. I received a letter stating, " Our research has concluded that the transaction was unauthorized or processed incorrectly. Your account was credited {$150.00} on XX/XX/2016 for the disputed transactions. '' I stopped all direct debits but, before I could notify M & T to place a debit freeze on the entire account, another unauthorized, fraudulent debit was made to my M & T XXXX Account for the same amount and via the same method - XXXX Online Phone Payment in the amount of {$150.00} - on XX/XX/2016. I called the bank and they issued another affidavit and placed a debit freeze on the checking account. 

On XX/XX/2016 I received a letter from M & T stating, " We have completed a thorough review of your account and nothing in our records indicates that the transaction ( XXXX ) was unauthorized or processed improperly. As a result, no funds will be credited to your account as a result of this claim and the claim is now closed. '' With the letter was a " Written Statement of Unauthorized Debit '' form to submit to M & T for consideration under the Automated Clearing House ( ACH ) rules. I also requested, in writing, copies of the documents relied upon in connection with this investigation, which were available upon request. 

I do not understand how XXXX debit was considered fraudulent but the second XXXX, XXXX months later, was not. I did not authorize these debits and I feel M & T should have done more to prevent this from happening. There is a debit freeze on the checking as well as a savings account that I have at M & T, since I do not know the source of the fraud and do not feel protected by the bank. 

I leave this in your hands and will abide by the decision made after investigating the issue. 

Best Regards, 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 2020-10-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have set up autopay numerous times, the payments do not pull. I get behind on payments without even knowing. they have all of my bank account information and I have agreed to when they would pull out the money. It has to be on time and when I agreed or else I do not have the funds set up properly.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I sent TransUnion a certified letter exercising my rights under FCRA 609 a ( 2 ) in regards to a public record listed on my credit file. I requested for TransUnion to send the information and all sources that were used in the investigation that was conducted when they came back and verified that the public record was accurate. The letter also requested the data furnisher information including if there was a third party that was used to verify. Well on XX/XX/XXXX TransUnion sent me a letter refusing to conduct a reinvestigation. They also denied my rights under FCRA 609 a ( 2 ). In the letter they listed the court house as the data furnisher but I know that this illegal information on my credit file because on XX/XX/XXXX the courthouse responded to a letter that I sent them in regards to furnishing this information on my credit file. The courthouse responded by claiming that they do not furnish information to any third parties or Credit Reporting Agencies. So why is TransUnion allowed to post the courthouse as the data furnisher when the court never supplied or verified the information with them. They are willingly reporting inaccurate information. They also have failed to provide me the real data furnisher who sold them this information. Finally The Privacy Act of XXXX prevents personal information from being included in Courthouse documents that are posted on the systems like XXXX. So this leads me to believe that they did not conduct a real investigation because they are missing key information like a social security number and birthdate to verify the information. I also never gave TransUnion the right to use my Social Security number or birthdate that is located in their systems to verify information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for $ XXXX on XX/XX/XXXX. 

The check was held for 7 days until XX/XX/XXXX. On XX/XX/XXXX the XXXX factor authentication system failed and I was unable to wire my finds. 

I reached out to the company 3 times with no success. 

I then proceeded to used XXXX transfers to send my money. The online account was then blocked on XX/XX/XXXX and some of the XXXX transfers were also blocked. 

I tried to contact them via phone on XX/XX/XXXX as the email said : " To restore your access to your online banking service, you can reach us at XXXX, Monday Friday, XXXX a.m. to XXXX p.m., or Saturday and Sunday, XXXX a.m. to XXXX p.m. XXXX Time. You can also reach us by calling the number on your statement or on the back of your ATM/debit card. Please note that for security purposes, we will need to verify your identity before reviewing any recent activity. '' Despite this after spending XXXX hour contacting them, I was told they are not actually open on the weekend and that I needed to call back on Monday. 

I then spent over 5 hours on XX/XX/14 trying to get the account unlocked. Finally they unlocked the account. 

I proceeded with another XXXX transfer and the account was blocked a second time. 

I contacted them XXXX more times spending over XXXX hour on the phone and they refused to unlock my account. 

Now they are saying that I XXXX XXXX to the nearest branch to get my account unlocked. The nearest branch is XXXX XXXX away from my location. 


I have lost out on over {$8000.00} in investment profits so far. And I expect to lose $ XXXX week that I am unable to access these funds. 


Please ensure that the bank allows me access to my funds and also compensates me for my losses due to inability to access my funds. 

Thanks, 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