BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank is offering a bonus for newly opened eligible checking or savings accounts. If you open a checking/savings account and deposit {$15000.00} into one or both accounts, after 60 days, Citibank will give a {$400.00} bonus. 
I did everything the bank required and was a qualified new customer at Citibank. But now my $ XXXX is in the account for more than 3 months and no bonus was sent to my account, I called them and they said I need to appeal. 
My husband also opened an account just like mine and he called Citi bank and he got a letter telling him to wait another 90 days. 
I can believe CITI bank is such a scammer, I found many people complaining about the same problem and people suggest we complain to CFPB and the problem will be solved quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Bank of America accepted over payments for approximately XXXX dollars and I have been arguing with them for a week about getting the money back I have called many times and I keep being told different. things. 
I need the money back and currently have XXXX credit cards that are negative balances of XXXX combined. 
They put me on hold and promise things and don't deliver payments made XX/XX/XXXX calls made daily since XX/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 monetary relief
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian has to be the only credit reporting agency that doesn't do any research. Because I have a credit freeze on my account. I'm still getting inquiries from companies that I have not applied for credit. I have a total of 7 that Experian refuse to investigate and remove. XXXX XXXX is also being reported on my credit report which I've asked Experian for a copy of my signature for this name I've never used.

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 2020-03-11
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened 2 Trust Checking Accounts about 4 months ago. Since day 1, XXXX XXXX can not properly record the Address of the Trust. I have contact the Local branch as well as Wells Fargo Corporate office at least 4 times now, including about 3 or 4 complains online to the XXXX and CFPB. I have threatened to leave the bank a half dozen times ... .yet NOBODY at Wells Fargo is fixing the issues. All i ever get, are employees who are completely incompetent. Not 1 Wells Fargo employee has the brain power to simply RECORD THE PROPER ADDRESS. So the purpose of this Complain is : i went into the Local branch  today on XXXX XXXX in XXXX. I had 3 temporary checks made ( I NEVER RECEIVED MY CHECKS THAT I PAID FOR ) and they made me pay 3 dollars for them. When i got home, i realized the Bank DID NOT PUT THE TRUST NAME ON THE CHECKS, instead they put a legal name, NOT THE TRUST NAME ... .and they wrote down THE WRONG ADDRESS ONCE AGAIN!!!!!!!!

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 2021-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
IHAVE FILED DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Ballybunion Enterprises, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX and XXXX placed a collection account on my report in XXXX stating that I owed Military Credit Service over {$3000.00} well I contacted XXXX  and talked to a lady by the name of XXXX XXXX at XXXX and she said that I didnt have not ever had an account with Military Credit Services and gave me the number to XXXX XXXX XXXX who owns supposedly XXXX XXXX XXXX at the following numbers and to let him know the account is inaccurate and that he can contact her. These are the numbers given XXXX and XXXX. XXXX XXXX said to talk to him because he would be able to remove it off of my credit since it is not accurate. She also stated that he could call her and the only account I had was XXXX XXXX who is a sister company, but that account is over 2 decades and has been sold numerous times, they also went out of business years ago and I included them in my XXXX XXXX  back in 2001 in Texas which she saw. I contacted XXXXXXXX XXXX XXXXXXXX and talked to a XXXX @ XXXX and she said XXXX XXXX was on vacation and she placed a dispute with the company so that he can get back with me but no one has. They have placed said account on my credit without validation of debt. I have never had an account with XXXX and XXXX XXXX verified it. If they ( XXXX XXXX XXXX ) try to say they sent me a certified letter which seems to be a pattern with them in all the claims I have read against them on the XXXX  they consistently state they sent out letter but I have NEVER received one. I can verify it due to I have informed delivery with the USPS and it shows all the mail I ever received for this year with screen shots of all mail as a preview to show what is coming. I am requesting that XXXX XXXX  XXXX removed Military Credit Services because they are posting fake information in other words fraud. This is all my proof of what XXXX XXXX  XXXX has placed on my report as fraud, fake and wrong information. This unaccredited company has violated my rights as a consumer and I request the account be removed from my XXXX credit report due to failing to adhere to the FCRA guidelines. I have enclosed screen shots of how corrupt XXXX XXXX  XXXX is and the tactics they use repeatedly on others and are doing the same with me. They never validate their collection accounts and leave the consumer in despair. They need to be dealt with in accordance by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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: Personal information incorrect

Complaint:
I disputed inaccurate address on my report. The bureau sent a letter stating it was deleted. I checked my report weeks later and its still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. That is a completely foreign area to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wrote XXXX XXXX a letter that there are too many incorrect late payments being reported on 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 2020-03-19
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
No direct access to your funds not telling consumers you have to email and upload documents to use the card. And not approving the card for access in a timely matter.

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 2020-03-11
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: Information is missing that should be on the report

Complaint:
on XX/XX/2020 I went to try to purchase a house with XXXX XXXX and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.

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 2015-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX keeps places debts back on my credit report that were previously removed. They will be XXXX, then show up on Equifax XXXX and visa versa. The debts have never ever been verified. Each and every time I request verification. I state to them that the debt is well beyond the SOL and is a time barred debt. These debts were closed and sold between XX/XX/XXXX and XX/XX/XXXX. They show them as current open collection accounts. They have repeatedly done this even though they have been sued and settle for the exact same things. If it is not them it is one of the subsidiaries. This has been going on for a very long time. How is it that the credit reporting agencies are allowing them to do this without consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX and the XXXX were due to be removed in XXXX of this year they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: DataMax Corporation
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a rental property in XXXX that was empty for a short period of time in XXXX 2015. The utilities were supposed to never be transferred in my name ( due to an incoming tenant ) but apparently were because XXXX XXXX billed utilities to my account. XXXX XXXX has both my phone number, email, and address but I received no calls, no emails, no letters at my address in XXXX and the tenants have stated they received no letters for bills or collection notices in my name. 

On XXXX XXXX, a derogatory remark hit my credit. I called within the hour to XXXX, who directed me to the debt collection agency. I still have not verified the debt is valid ; however, given that despite having my phone number, email, XXXX and XXXX address -- - and no notification being received on my behalf, I would pay a legitimate debt owed within the hour of notification, but I need the derogatory remark removed since I was never informed of this debt. 

The debt collection agency claims they mailed letters to my XXXX address ( however, both my tenants have affirmed they never received any mail in my name ), and I even pointed out they had my email and phone number and could have contacted me. They did not care, claimed that regardless what I said or what I did, they put a letter in the mail and they would not be removing it from my credit report. 

I have never even paid late on a single bill that I have been notified of, let alone had something like this happened. If XXXX XXXX or the collection agency had conducted any level of due diligence into proper notification ( utilizing email, phone #, multiple addresses ), and notified me that I owed them money and why this would have been paid and settled within hours. 

This should not be on my credit nor remain on my credit report as a derogatory remark given the circumstances ; however, the collection agency has notified me that regardless what evidence, what information I provide, or what I can prove they will not remove it from my credit. 
The company 's phone number is ( XXXX ) XXXX, the lady that I 've mostly spoken with is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent XXXX And Experian multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management has contacted me at work and via my cell phone, both legal, but they call from a number that comes up as Unknown. I verbally told them to stop calling me at work and on my cell phone as I work XXXX hour days and do not have time to speak to them. The woman from Midland Credit Management told me she had not called me at work yet when I told her they could not call me there, she suddenly had the number at her fingertips to remove. My greatest concern at this point is that on their Pre-Legal notification, the Date of Default is listed as XX/XX/XXXX but the date of last payment is XX/XX/XXXX. How can an account be in default if the last payment was made in XXXX. Therefore, I am fully and rightfully disputing their claim that I owe {$4200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This complaint relates to complaint already filed and closed number XXXX in which I charged that Bank of America wrongfully closed my LAW FIRM TRUSTEE ACCOUNT without prior notice to me. The Bank of America responded by presenting false information to this Board by stating it sent me 2 notices dated XX/XX/XXXX, and then again on XX/XX/XXXX stating my account was inactive. I never received those notices, and I do not see any proof of mailing of said notices. However, I do have, and attach hereto, a notice from Bank of America to me dated XX/XX/XXXX stating " Action required. Please contact us to update your organization 's information by XX/XX/XXXX so you can keep your account ( s ) active. I completed the notice, which was 6 pages long. Option 2 on this notice says to " Fax the completed and signed form to us at XXXX in the U.S. '' I attach the proof of facsimile sheet dated XX/XX/XXXX at XXXX pm to the above referenced number.

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 2022-03-21
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the CFPB prematurely closed out my previous complaint without reading any of the documents PNC Bank provided, I am submitting this new complaint as a response to the original complaint, XXXX. 

Please see the attached Waiver of Escrow form that shows no acknowledgement of a fee associated with the waiver of escrow nor there a dollar amount given for the not agreed upon waiver of escrow. This is the original document PNC Bank has on file. 

PNC Bank, please note that if you refuse to comply with the original agreed upon terms of my mortgage as shown in the attached document, I will be taking this to XXXX XXXX XXXX XXXX XXXX. There you can pay a lawyer to explain to a overtly consumer friendly judge why you feel you are entitled to charge any fee you wish in accordance with the overly broad language in section 14 of my mortgage contract. Im sure your shareholders will be glad to hear that you expended so much of the companys resources to fight a {$750.00} illegitimate fee you are trying to charge me. 

All the best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problems with Loan Depot Paying our Taxes and Insurance Property taxes were due by XXXX XXXX. XXXX XXXX I called Loan Depot ( LD ) to makes sure they would be paid on time. Money for the payment was sitting in an Impound Fund since closing on the loan. Future contributions for taxes and Insurance would go into the Escrow Fund. 

I learned XX/XX/XXXX that my taxes were NOT paid by LD. I called LD at XXXX ET and was passed around several people. No one would tell me why the taxes were not paid. I was asked if the tax money was collected at closing, which funds were collected and rolled into the entire finance package at closing. 
Speaking to a Supervisor, again I was asking why the taxes were not paid. I received questions instead about if I sent them the tax bill? They received copies of all of this prior to closing of the loan. I once again uploaded the Tax Bill to them. This this explaining how the amount due not is higher than the amount due by XX/XX/XXXX. This Supervisor said she would Request to Disburse Taxes. 
This call was 49 minutes long. 

XXXX XXXX XXXX ET Taxes are still NOT Paid. 
I called LD to as WHY not? Held 23 minutes before I got a human on the call. I get passed around to various people again. I ask for another Supervisor. This time Im connected to XXXX XXXX ( SP? ) He said he is arranging for the taxes to be paid within two days. 

XXXX XXXX I receive and email saying my taxes were paid. I look on the XXXX County web site and the taxes are not showing paid. I call the tax office making sure. I was told that the amount wired was for the XXXX amount of {$6900.00} This amount due now due to being late is $ XXXXthe county does not accept partial payments, and the wire is rejected. 

I call LD and held for almost an hour..never got a human. 

XXXX, XXXX LD employee # XXXX. I start the whole story again. It goes no where. I ask for a Supervisor and get employee # XXXX Ms XXXX She tells me the correct amount will be wired within 24 hours. 

XX/XX/XXXX XXXXXX/XX/XXXX The Taxes are not paid by LD. No wire ever arrives. I call LD and get employee # XXXX XXXX? I start over with my explanation. I ask fora Supervisor and get # XXXX XXXX XXXX I explain it all again. He tells me The correct amount of money will be wired tomorrow. Duration of this call XXXX XX/XX/XXXX XXXXXX/XX/XXXX Taxes are not paid yet by LD despite many people telling me they would be by now. 
I call County Tax office to verify all wires have been processed. 
I call LD and spoke to employee # XXXX ( woman ) she tells me it will be escalated and no one will be able to look at it until Monday XX/XX/XXXX. So now the taxes wont be paid in XXXX and a higher amount is due as of XX/XX/XXXX the amount due is {$7000.00} Call duration 42 ; 00

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX/XXXX/16 I obtained my Equifax credit report and discovered an unknown medical collection acct listed. I wrote to Equifax on XXXX/XXXX/16 to properly dispute this alleged medical debt and they responded on XXXX/XXXX/16 that they verified the entry belongs to me. They then provided me with the name of the collection agency ( XXXX XXXX ) and instructed me to contact them and provided me with an address. I promptly wrote to XXXX XXXX at the address provided ( as instructed by Equifax in their response on XXXX/XXXX/16 to my initial dispute on XXXX/XXXX/16 ) to dispute and request validation of this unknown medical debt and received no response. I wrote to Equifax REdisputing this unknown medical debt providing them with a copy of my letter to XXXX XXXX as well as proof of delivery of the letter to XXXX XXXX and again requested that they delete this unknown entry on my credit report. According to the USPS, Equifax received that letter on XXXX/XXXX/16 at XXXX. Equifax has failed to respond ( as of XXXX/XXXX/16 ) in the required 30 day time frame and this entry should now be deleted as I properly disputed this unknown account with both parties. This account is not listed on any other of my credit reports. Equifax 's refusal to properly investigate this account is a violation of the FCRA and XXXX.

Company response to consumer: Closed with explanation