BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-20
Company: NAVY FEDERAL CREDIT UNION
State: ND
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Navy Federal Credit Union is refusing to provide monthly statements for our mortgage because we declared Bankruptcy in 2009. We did not default on our mortgage during the bankruptcy and have continued to pay in full and on time throughout the life of the mortgage. We are now expected to blindly pay our mortgage without knowledge of our principal balance, interest rate, or current payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I contacted Capital One towards the beginning of XXXX when I lost my credit card. They told me that would send out a new card and that I should receive it within 5-7 days. Two weeks later I realized the card never came and wondered what was wrong. SO I called back and they said that one was sent out and that we should've gotten it by now. I asked for a new one to be sent out and if one could be sent Next day ( and that id pay for the shipping ) or via XXXX so that tracking could be given. They said it was not possible. I made a complaint at the Post Office with my post master and they said they would look into it for me, to no avail in finding the lost letter. I called Capital One again on the XXXX to see why I had no received the 2nd card that was sent out and the rep told me that I should have it either the XXXX or the XXXX at the latest. After checking the mail yesterday my husband insisted I call Capital One again but I said lets wait. We check today and no card so I called them again. The rep said that no card was ever sent out previously but that they sent one out yesterday, the XXXX. meaning for the entire month they lied about sending out a replacement card yet expected me to make payments on time. I asked for a supervisor and she only apologized but gave no reason to why they lied and said I would have to wait possibly another week to see IF a replacement card came. I NEED HELP BECAUSE THEY KEEP LYING AND I HAVE NO OTHER WAY TO RESOLVE THIS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I do not remember a charge of XXXX from XXXX. I let Citi bank know. What do you know they play the same ticks as always. I have over XXXX USD of disputes I have asked them to take care of. I am so upset that they keep on breaking the law it makes me sick. I get a letter saying they are doing an investigation and than a email stating that they closed the case because they did not get the information I had my friend mail XXXX and emails I sent. So they closed the case. Why is it out of my XXXX banks these flakes and frauds do not provide the service of communication with their clients? As stated several times now, they do not answer my emails, phone calls, or call backs. They do not follow the law by giving me a fair and honest case they just close without cause and say they never got my docs. This is of course false and it does not make sense. 

I hope these clowns get a full investigation on how this are XXXX their local clients and not giving a fair chance at all. They close disputes with the docs in hand. I have proof of this with my prior disputes and also that they write to my address in the US thatXXXX decided to do a investigtion and now they close the case as I stated they would with all of the docs i have sent.

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 2021-08-31
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted three letters to Equifax over the past 4 months to investigate an unverifiable debt and remove it from my credit report. It is absurd that there is no information for original creditor nor a collection company name, nothing. Equifax is in violation of federal law. not only have they reported inaccurate, incomplete information they have ignored 3 requests of mine to remove this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: CA
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:
SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.

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 2016-12-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX of 2016 I purchased a XXXX from XXXX that used to be on display and was marked down. I purchased it from them for around {$600.00}. After about a month I returned the item to the store and received a return receipt. In XXXX XXXX I was reviewing my account when I noticed that the charge for the XXXX had yet to be credited to my account. I contacted Citi Retail Services and Disputed the Charge. On XXXX XXXX I received a letter from them ( Enclosed ) stating they were going to award me credit for the charge in the amount of {$570.00}, and in the mail the week after I received the award letter I received an updated account statement showing the credit had been removed. My account balance at the time was somewhere around {$1400.00}. After waiting for 2 weeks my account balance had not changed. I contacted Customer Service and spoke with an associate. They stated they had already credited me the balance stated in the letter, but could not remove it from my current balance because they had already updated the statement from XXXX. This confused me mainly because when someone is given credit it typically means they have the amount deducted from their accounts, not just have a previous statement edited.

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 2015-12-10
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Payoff process

Complaint:
I paid off my Macys Credit card on XXXX XXXX, 2015, cleared on XXXX XXXX, 2015 thru my bank. I called on XXXX XXXX to check if had been reported to the credit bureau and they said it would be reported on or before XXXX XXXX. In the mean time ... I am trying to prequalify to purchase a home so I am awaiting for my credit report to reflect. My loan company ran my credit report on XXXX XXXX, 2015 and Macy 's is still reflecting a balance. I called them again on XXXX XXXX, and they said they could n't do anything about it and they would report it to the credit bureau by XXXX XXXX, and also for me to contact the " Credit Bureau '' which was a dead end, not sure where to contact because the number they gave me was incorrect. Due to this problem it has affected by credit tremendously. If they did n't assure me of being cleared by XXXX XXXX, them I would n't have had my loan officer run my credit on XXXX XXXX, 2015. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Investment Retrievers, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have never heard of Investment Retrievers Inc before until just recently. They are counting on people being too busy to take defensive action against them. If you look at just a few of the cases they have won, you will find that most of the cases went uncontested from start to finish. 

As a result of this, Investment Retrievers Inc has been successful in filing and wining ( mostly by default judgment ) hundreds of court cases throughout South XXXX.

Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now during a Pandemic period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021, I sent formal complaints and an Identity Theft Report to XXXX, Transunion, and XXXX  in regards to inaccurate reporting on my consumer report. 

It has been well over 30 days and I have not received a response and have not seen these items removed from my report.

As required by the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

They are also fraudulently verifying information on my consumer report. Pursuant to 15 USC 1681d, an
investigative consumer report can not be prepared on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living ( which is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information ), whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( XXXX ) ; and ( B ) the person will comply with subsection ( b ). 

They are violating the law.

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 2016-07-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We are having a hardship and closed the business and need the mortgage modified to a 3 % interest rate and extend to 480 payments due to loss of job, income, and business.

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 2021-08-31
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I sent formal complaints and an Identity Theft Report to XXXX, XXXX, and Equifax in regards to inaccurate reporting on my consumer report. 
It has been well over 30 days and I have not received a response and have not seen these items removed from my report.

As required by the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

They are also fraudulently verifying information on my consumer report. Pursuant to 15 USC 1681d, an investigative consumer report can not be prepared on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living ( which is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information ), whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

They are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Was on hold with CitiBank for 49 minutes and when a guy answered asked for my CC number they hung up super fast, called again and waited another 40 minutes and the didnt ask for my card number and actually let me speak. XXXX  werent doing deferments because of Covid 19, just like 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 2021-08-31
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I recently filed a complaint against Equifax regarding a public record on my credit report. After disputing the bankruptcy the results confirmed it was verified by XXXX XXXX solution. I provided a letter from XXXX stating that the public record was deleted for several inaccuracies do not exist. I was then told they verified it with the courts. I mailed in a letter from the bankruptcy court stating they do not report any information or records to the credit bureaus. I called Equifax and a representative explained that they call the US bankruptcy court ( an automative system ) to verify. Which violates section 609 because the system can generate false information. I understand that information has to be verified from the original furnisher. I was told by a XXXX XXXX that the credit Bureau can call them and they will confirm anything in my file to resolve the issue. After spending countless hours on the phone with Equifax I asked if they could call and confirm with XXXX with me on the phone. I was told no and hung up on. It seems as if Equifax is working against me instead of helping me. The representatives are very rude, impatient, and constantly telling me to file a dispute online. I would like all supporting documents that was used to complete my investigation such as name of people that verified the information, dates, and times. I have asked for this information during my previous disputes and was not provided the information. My question is how is a Bankruptcy that do exist in my XXXX profile XXXX your listed vendor ) being verified. Please delete this negative and inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a dispute with Citi Bank over a purchase with XXXX. The issue was that XXXX would not honor their return policy. I purchased a bed frame from XXXX and was dissatisfied with the quality, thus I went to return. XXXX refused to accept the return even though it was within the proper time frame and inside the original boxes the item came in. 

I call my credit card company to opened a dispute stating they refused to except the package. Citi Bank sent me a form to fill out and with it I attached a letter explaining my exact reason for wanting to return it, I was establishing it was a return with cause and not in bad faith Citi Bank then went against my claim once they received a boilerplate answer from XXXX. Citi Bank refused to look at the evidence and returned the money to XXXX and now claim I must go after them myself. 

On XXXX/XXXX/16 at XXXX I called and spoke with a dispute rep in which she admitted that they incorrectly filed the claim as problem with quality instead of the correct claim, failure to honor return policy. They made a mistake in handling this claim and now want me to remedy myself. This call has been recorded and I can provide it as evidence.

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 2016-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
i am having trouble with my mortgage and my equity loan with BOA. They converted my mortgage with my equity loan and still charge me separate for an equity loan that I know nothing about it I tried to call them on several occasion trying to clarify this issue I ca n't get any answer from the loan officer or mortgage manager Now BOA is trying to foreclose my house or ask ask me to do a short sale on m, y house while I am still paying my mortgage. every month

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 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hi, This is regarding couple of unusual and suspicious charges on my unemployment prepaid card account on XX/XX/XXXX, I complained this calling bank 's claims/escalation 3 times but this is not yet fixed, Their claims didn't give a satisfactory answer when I called them first time, the next day they said it's a " mistake ''. 

Their response seems suspicious and not acceptable, they must explain me and fix this asap. 
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 2016-03-08
Company: U.S. BANCORP
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
US Bank sent me to check systems for XXXX I had made no purchases or did nothing to overdraw this account. They had no reason to damage my credit with XXXX. 
I did not get a phone call or a letter that my account had been closed or I owed anything. I have read many stories on the internet where they have done this to people. I have contacted them and they refuse to correct the problem.

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 2016-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied to wells Fargo located in XXXX CA and they declined my loan for missing docs When they did n't even sent me a letter stating that I was missing docs. 
They did n't send me a welcome letter within the 3 days that the law permits they told me to provide them documents only to ask for more and to reject the ones that I submitted. they had me re-apply a second time ' so that I would meet some TRID guideline that they violated. This is the worst bank ever.

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