BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank has reported to credit reporting agencies that the credit accounts with them were " charged off '' while cards were paid as agreed and Citibank refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.

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 2015-10-25
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN mortgage has done to me what they did to consumers who have lost their homes. I have been to small claims court XXXX and prevailed each time, however OCWEN has not stopped forecloser notices and fees I do n't owe them. They have just appealed the Judges small claims courts ruling where I prevailed with a {$6300.00} award. OCWEN refuses to stop reporting delinquent credit reporting. They have ruined my credit since this nightmare began in 2013. I tried refinancing with another lender and OCWEN refused to provide a payoff. My complaint against Ocwen is that they have imposed unauthorized fees, multiple abuses in the mortgage servicing process, to date continue to place my mortgage payments in escrow account and last month put my mortgage payment in a suspense account, so my payments show delinquent, and I am in default according to their records, and charged multiple fees for certified letters, inspection fees and other fees. This all began when they began escrowing for insurance I was already having debited from my bank account.This resulted in more late fees and my principle payments not being applied by OCWEN. Once OCWEN acknowledge confirmation of insurance they began duplicating my insurance payment to XXXX XXXX. I read about the class action suit and see they are still doing what States have sued them for. I need my credit restored and them to bring my mortgage current. Both times in small claims court I have proven their wrong doing, yet they refuse to correct my mortgage, and now appealing the Judge 's order. Money is tight and they know attorney 's are costly that I will have to hire an attorney for the higher court. Please help ... we liked our lives back and to keep our home. OCWEN has had XXXX different attorneys from the same law firm, and each does n't know what transpired in the prior court proceedings.Their lawyer XXXX reprised against me by canceling my monthly statements, bullied me, threatened to take my home, and I have limited access to their customer online site, due to the delinquency, that does not allow me to make online payments, that other OCWEN customers have access to. This litigation has gone since 2013, and during our litigation they continue to bill me for certified forecloser notices, when they are at fault. What they claim I owe them varies, by phone, correspondence, and their online site. The Judge had OCWEN customer service on speaker that demonstrated what the OCWEN Attorney was alleging was not what OCWEN customer service stated via phone in the courtroom, that in fact there were not XXXX delinquent payments, that payments were placed in suspense and escrow accounts and would be corrected. OCWEN attorney 's put a gag order on OCWEN customer service not to communicate with us further. We are desperate to resolve this, we ca n't buy cars or get any loans due to OCWEN. The stress has affected my health during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: PA
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:
There is proof that your credit reporting agency did not do a reasonable investigation. Your agency also did not investigate the challenge stated in my letter ( s ). Which means your agency is not operating in compliance despite other consumer reporting agencies deleting the account ( s ) in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When Is a No Interest Balance Transfer Actually Not a No Interest Balance Transfer.
I have had a Chase credit card since XX/XX/XXXX. In XX/XX/XXXX I applied for and was approved a 0 % balance transfer of XXXX. Since that time I have made payments of at least {$200.00} over the amount of any purchases I made for the month, with the balance being applied to the promotional portion of the account which has been decreased each month by the amount I have paid over the monthly purchases. But I am being charged interest each month because, according to the Chase customer service people I contacted on XX/XX/XXXX, there is a balance on the account, which is the supposedly no interest portion. So it appears to me that Chase is actually charging interest on a supposedly no interest balance transfer. To me this has the appearance of a deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and my information has been used to open multiple accounts. It has been confirmed by the bureaus that I am a victim of identity theft but they continue to report the fraudulent information. 

I have never had a credit card with XXXX and I never opened an account with 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 2016-03-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
My dad is a credit card/identify theft victim. He fell for a scam in XX/XX/XXXX and again in XX/XX/XXXX that have wiped his savings and created major debt. First, in XX/XX/XXXX it was a telephone call saying that he was late on paying a bill and needed to pay immediately, so he provided a credit card number with his personal information. That created a ridiculous amount of charges, which he was unaware of. He is in his XXXX 's with some XXXX caring for my mom who was very ill. Then in XXXX XXXX he received a phone call, letting him know that he had won the big prize of Publisher 's Clearance but that he needed to follow very strict instructions. So he did. The result : Someone opened via internet a Citibank credit card in XX/XX/XXXX and charged {$10000.00}. In addition, they charged over {$12000.00} on his XXXX XXXX XXXX card and another {$10000.00} at another institution. Both Citibank and XXXX XXXX XXXX refuse to accept the fact that he did not make any of the purchases and have released the case to Collection agencies to recover the funds. I 've documented all the transactions and we can not believe that after all the documentation, either institution have not properly looked into the case. What we get is letters telling us " You opened the account via internet in Citibank and this is your responsibility ''. My dad does not own a computer nor did he have internet service. We 've written to Citibank several times and get the same response, " you opened it, it is your responsibility ''. The crooks were brilliant in how they managed everything. They opened the Citibank account and deposited the money in his checking/savings account at XXXX XXXX XXXX, then proceeded to make telephone transfers. They completed wiped all this checking and savings. My mom died on XXXX XXXX, XXXX and her memorial was XXXX XXXX. Because of his XXXX situation, and my mom 's death - I took over my parents ' finances in XX/XX/XXXX. I have spent considerable time understanding what had transpired, documenting much of the transaction. Both banks ( XXXX XXXX XXXX and Citibank ) have been unsympathetic. We spent considerable time at the local XXXX bank and ultimately chose to close his account after my dad 's account was cleaned out. I 'm at wit 's end on what to do. I 've over communicated with both institution. My parents, who have had wonderful credit scores in the past and now my dad, are now considering bankruptcy as a solution, which for us is a last resort. I am disgusted by the arrogance and disrespect conveyed by both banks.

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 2015-07-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
On XXXX/XXXX/2015, I saw an online promotion from CITI which said XXXX bonus ThankYou Points canbe awarded after {$2000.00} in purchases within XXXX months if a new CITI Preferred Card is opened. Then I followed the link to apply the card and got instant approval after application. Then I spent more than {$2000.00} within XXXX months, and in the XXXX month, guess what, not a single ThankYou point was awarded. I called CITI customer service twice and they just responded that investigation is needed. I also mailed once, and finally on XXXX/XXXX/2015, I received a mail from CITI explaining the reason : " ... this account is not eligible for the offer you mentioned because you have had the same or similar offer on another account that has been either been opened or closed within the last XXXX months ''. What a despot clause! Where did CITI mention a period of XXXX months is needed for a new card to be awarded when I applied the new card? That is also unreasonable, does it mean I could not buy XXXX cars simply because the dealer has to offer promotion discounts for XXXX cars. Why CITI play such a trick in order to keep customers opening new cards and our customers just act like fools to spend money ( sometimes buying extra unneeded stuff ) in order to reach the amount required in XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I opened a Best Buy credit card in XX/XX/XXXX and was granted a {$500.00} credit limit. I have had the card since that time and I kept my balance at approximately {$200.00}. XX/XX/XXXX I received a letter from Citibank who happens to service the credit card telling me that my credit limit has been lowered to {$250.00} due to information reported to them by my credit bureau. I was recently laid off from a job that I held in XXXX for 5 years in XX/XX/XXXX which is why there are slow pays on my credit bureau. This practice seems almost predatory in the sense that I had my balance at a responsible dollar amount and Citibank felt it necessary to lower my limit which now makes my utilization seem inflated. I do n't want them to increase my limit but why would they decrease it and make this line of credit hinder my already suffering credit score due to my unfortunate circumstance of being laid off from my job!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion, Credit Reporting Company, When viewing my TransUnion Credit Profile today, Sunday, XX/XX/XXXX, under " Account Summary, '' TransUnion reports one ( 1 ) Delinquent Account. I reviewed my TransUnion Credit Profile to find one ( 1 ) Delinquent Account and zero ( 0 ) of the Accounts on my TransUnion Credit Profile show a " Delinquent '' Status.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Blackhawk Network Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
There is a small amount of money left on the card. The card will not let me spend that money. The prepaid card company ( myprepaidcenter.com ) will not even discuss the situation with me. They claim that there is some discrepancy with my address. I have the original paperwork where the card was mailed to me with my address on it. Providing this information exactly as written from that mailer is not working. 

I spoke with XXXX ( XXXX XXXX ) about this for nearly 45 minutes and got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: VA
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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am being charged about {$12.00} per month because my bank account balance is quite low. That wealthier customers do n't have to pay this fee is a clear example of price discrimination. Such discrimination has no other purpose than to extort money from those who do n't have the ability to fight it.

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 2021-11-14
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given XXXX XXXX any permission to do the following. XXXX XXXX is reporting information to XXXX and Experian which is in direct violation to me according to the above stated law. Due the violation of this law XXXX and Experian are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.

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 2016-06-07
Company: GREAT LAKES
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX XXXX College in XX/XX/XXXX-XX/XX/XXXX. I finished the program. Going forward with my education I was unable to use the school information. Nothing transferred to other schools. I was lied to constantly about being an accredited college. I found out that they used students financial aid by documenting that we received bus passes etc. I owned my car so I never needed a bus pass! Please help guide me in the right direction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I opened my KeyBank checking account on XXXX XXXX 2016, there was a sign up bonus of XXXX for direct deposit of at least XXXX within the first 60 days as an incentive. The local branch was at XXXX XXXX XXXX, XXXX, NY XXXX. The teller verbally confirmed that the offer is available for my account and the bonus would post after I completed the direct deposit. I completed the deposit twice on XXXX XXXX and XXXX XXXX. When I emailed customer service on XXXX XXXX, I got an email stated : " no promotion code was added ''. I replied on XXXX XXXX and requested the issues to be solved but get an answer : " we are unable to add a promotion code to your account via email ''. 
The coupon code I used at the branch was : XXXX Attachments is the screenshot of the offers I received through email. 
As of today, XXXX XXXX 2016, this offer is still publicly available on KeyBank 's website : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo Complaint Wells Fargo continually and intentionally charges my account for unnecessary and fraudulent fees. On XX/XX/2017, at XXXX my checking account had a balance of {$4.00} and I made a cash deposit of {$1100.00}. A little after 2 hours after the deposit was made, the bank intentionally put my account into a negative balance and charged my account an overdraft fees. This similar incident has happened numerous times. 
On XX/XX/2017, after requesting an explanation about the unauthorized fees, a representative at the bank XXXX XXXX XXXX was very disrespectful towards me raising her voice and screaming at me during the time of the discussion. She indicated that the bank will not reverse any fees because this is how the bank makes its money. She went as far as sending for a branch manager XXXX XXXX XXXX XXXX to speak on the bank 's behalf and he also indicated that this is the bank 's policies.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: AZ
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:
In accordance with the Fair Credit Reporting act, the following creditors has violated my rights : XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX, # XXXX, # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-04-14
Company: EQUIFAX, INC.
State: IL
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:
This debt is my ex wife, I have requested to be removed from my name as authorized user and per divorce agreement she is responsible for the debts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying my mortgage to in PITI for years. My monthly Mortgage ( PITI ) has been XXXX the past 2 years. 
It is my right as a mortgagee to pay any escrow shortage rather than accept any rate increase. The Principle and Interest amount is fixed and is only subject to amortization.The only change in amount due is based on an Insurance increase or a tax increase. If either or both should happen, it is the mortgage company responsibility to notify me of an rate change. They have not. 
If there is an anticipated shortage in the escrow the mortgage bank by law is required to notify me of the shortage. Then I have the option to send a check for the shortage amount or accept a rate increase. 
I have always sent in any needed escrow shortage and reject a payment increase. Wells Fargo is attempting to take away my option by forcing me to accept a payment increase. They have not sent me any escrow shortage notice. My principle and interest payment remain fix. Wells Fargo is now taking my monthly payments hostage and not applying it to the principle and interest and sending me late notices and threatening me with foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: IL
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:
This debt is my ex wife, I have requested to be removed from my name as authorized user and per divorce agreement she is responsible for the debts

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 2021-11-14
Company: Accurate Background
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
For a pre employment background check the company Accurate, ran a background check on XX/XX/2021. On the XXXX it was completed and sent to the employer I believe. The background report stated there was an active warrent. The XXXX was XXXX XXXX  so I was unable to verify it this was indeed true. On the XXXX I was able to go to the municipal court and validate this information. There is NOT a current warrent a new courtdate was reappointed for the case. I have documentation of that

Company response to consumer: Closed with non-monetary relief