BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-25
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was called by CitiBank on XX/XX/XXXX and told I had some charges to my account that they wanted to verify that I had made. There were XXXX charges totaling {$4600.00}. I told them I had not made any of the charges. They said they would lock my account and take care of the charges and send me a new card. ( This took over an hour on the phone ). The representative called me again on XXXX  and said he wanted to set me up with text notices from CitiBank as it was the best way to alert me if there were ever any more bogus charges on the account. ( This took XXXX phone calls and over an hour of my time again ). He told me he was unable to set me up with text notices ... altho while we were talking I did receive XXXX texts from CitiBank but apparently not the kind he wanted me to get. Anyhow I figured problem solved ... my new credit card will arrive by XXXX  XXXX. Later on XXXX  I notice XXXX more charges on my ( locked ) account that I hadn't made ... totaling {$650.00}. Also a notice on my account that I needed to call them about a fraud problem. So I called the number and the representative told me that he could not tell me anything about my account because I could not give him a verification code that I should have received by email or by text. I have never received any kind of verification code. He said I would have to wait until I got a letter in the mail with a code on it to prove that I was me before he could do anything about my account or tell me anything about my account. This is after I gave the earlier representative my phone number, account number, social security number and bank account number... .I was very uncomfortable giving him all that info. but I did it anyway. So now I await a verification code coming by mail ( 3-7 days ) so I can use my account and make sure they block the charges that posted on XX/XX/XXXX & XX/XX/XXXX. In the mean time I have received a text on XX/XX/XXXX saying that they are sending me a new card... I thought they couldn't text me?! If you XXXX " Having trouble with verification code for CitiBank '' there is a loooong thread of complaints about this same issue. 
I am now in the process of searching for a new credit card company.

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 2024-01-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am here to file a complain against Citi bank in CA. 

The situation is as follows : In XX/XX/year>, I closed my XXXX XXXX XXXXXXXX XXXX account for XXXX XXXX XXXX and received a cashier 's check for USD XXXX. In XX/XX/year>, I opened a new account at Citi Bank under the same company name and deposited the check into the corresponding XXXX XXXX XXXX account at Citi. I also transferred USD XXXX from another account into this company account, bringing the total to around USD XXXX. 

However, on XX/XX/XXXX, Citi Bank closed my account. After waiting for three months, expecting them to issue a check for my company, there has been no response. Despite repeated communications with Citi Bank recently, they refuse to issue a check, even though they have already deposited the XXXX  check into their account. They are asking me to request XXXX XXXX XXXX to ask Citi Bank to return the check to XXXX and then have  XXXX issue a new check to me. I have consulted with XXXX  and they do not handle any matters related to closed accounts. 

I wish to file a complaint against Citi Bank for this unreasonable request for the following reasons : I had already deposited the check at the counter. Citi Bank did not raise any objections or contact me about any issues with the check after it was deposited, and the funds from XXXX had been transferred to Citi. 
The action now being requested by Citi Bank is illogical, as they have already accepted the check. 
I have attached the relevant documents following my account opening at Citi Bank. These include : Documentation showing the checking account number for the company account opened. 
Details of the check amount I deposited. 
The letter from Citi Bank notifying me of the account closure. 
A photocopy of the XXXX  check I deposited into the Citi Bank account.

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 2024-01-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This complaint is against Wells Fargo, revolving around their settlement with the CFPB We received 3 letters from them saying they owed us around {$7000.00} for penalties of their wrong doings.

here are the reference numbers from WF : XXXXExact amount not known. Wells didn't/could n't tell us. 

XXXX-amount due us {$2000.00} XXXXamount due us- {$2400.00} I have no way to determine if these amounts are correct. They expect me to take their word for it. That has not worked out too well in the past. 

I have called them many times. Mostly about number # XXXX and XXXX Called once on XXXX. 

ON XXXX Called on XXXX-spoke to XXXX. It is in the process of being mailed. 

On XXXX on XX/XX/28 at XXXX XXXX  spoke with XXXXexpect it in 30 days. 

on XXXX I have called at least 5 times, that I have some notes on : XXXXLeft message XXXXleft message XXXXspoke with XXXX XXXXspoke with XXXX XXXXspoke with XXXX. 

Every time their excuses are that it is in their process, the system, and is almost ready to go out! 

I am tired of waiting, and being lied to. 

I want my money, along with a complete accounting of how they arrived at those numbers. The name Wells Fargo would be a good name for a bank

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 2024-01-28
Company: SUNRISE CREDIT SERVICES, INC
State: NV
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY IS TRYING TO COLLECT A DEBT FROM ANOTHER COMPANY THAT WAS OPEN VIA FRAUD,

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 2024-01-25
Company: Continental Finance Company, LLC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card debt with Continental Finance Company that went into default for XXXX, the account went into collection and was bought by XXXX XXXX XXXX, XXXX, then XXXX brought the debt for the same amount. XXXX sent me an compromise offer to settle the debt for {$320.00} to which I accepted and paid off. 

My account with XXXX # XXXX again was settled, I contacted them to make sure that they would contact all Credit Reporting Companies as this debt being settled and paid in full and have my a credit file updated as out of collections. 

XXXX looks like they only reported the XXXX and still leaving a balance on my report as outstanding, as I understood it that the offer would settle my debt and paid in full but it does not appeared that has happened. I contacted XXXX on XX/XX/24 to open a dispute to contact XXXX to update this as paid and satisfied. 

On XX/XX/24 I contacted XXXX Customer Service ( XXXX ) to get information that they would be contacted the credit reporting agencies to update this account as paid, XXXX informed me that they had no information or could not give me information regarding the status. 

If they bought the debt for XXXX and offered me a settlement of XXXX and I paid that offer I should not have this reporting on my credit file, otherwise I feel like this company did a bait and switch. 

I'm waiting for XXXX to finalize their inquired to my dispute of this, but wanted to also file a compliant with the CFPB.

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 2024-01-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. 
XXXX XXXX - never late Bloomingdales- not late was late in the past, and this came off my records XXXX  - never late XXXX XXXX - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.

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 2024-01-02
Company: SYNCHRONY FINANCIAL
State: MT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2024 To Whom It May Concerns, My information was bought and sold illegally because I was a victim of the XXXX XXXX breach. I want these items removed from my credit report effective immediately. I am attaching proof that XXXX has done nothing. Please help me delete these item from my report. I am listing all my information below. I am attaching proof that XXXX has admitted to the data breach and I was a victim and my information was leaked. 


Account 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

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 2024-02-05
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
HOME DEPOT CREDIT SERIVICES reported an inquiry on my credit report without my knowledge nor written disclosure regarding such report being made. The company also failed to provide me with the option to opt out of sharing my 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 explanation
Consumer complaint received 2024-01-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX, my membership account w/ fraud alerts for the past 4 years was hacked & hijacked from my access even with paid premium features that were to protect and recover this issue. My account sign-in info was changed to an Experian email address keeping me from logging in and/or changing password to log in. Someone was applying for auto loans daily for a month causing dramatic drops in credit score, then numerous fraudulent entries started showing up on my report including extra ssi numbers, fraudulent addresses, a list of XXXX aliases when I've only used my real name all my life, fraudulent accounts claiming to be in collections when I've had no collections in my name in over 10 years. Each time I dispute this information, it shows back up on my report a couple of months later. Each time I call in, I'm sent on a " transfer cycle '' where I'm transferred back & forth to several depts for hours, then hung up on. Just to have to call in again, and go through the same treatment with nothing being rectified. My accounts that have been connected to Experian Boost were disconnected several times causing my score to plummet again, even while I've been working w/ XXXX other companies reporting timely payments to increase my score faster than usual. I've dropped XXXX points just in the past XXXX weeks and no one can expain this repetitive fraudulent activity to me even with fraud alerts, credit freeze, and I mailed/faxed in the police report at the very start of this ever increasing 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 2024-01-20
Company: Prosper Marketplace, Inc.
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX, I had a major XXXX, was off work for XXXX  XXXX, missed my {$30.00} payment. They allowed a transaction to go thru that was over the limit for {$110.00}. This created a landslide of over the limit fees, late fees, merchandise fees, Ballooning the minimum payment. In XXXX  I contacted prosper  to ask if they had a program to help since it was a medical situation that contributed. I was told I didnt qualify. I asked for the card to be shut down and fees stopped so I could pay it off and be done with it, again refused. The minimum payment is now {$810.00} on a card with a {$700.00} limit. There is absolutely no way to get a handle on this card when they are increasing the payment at this rate. I want the card shut down so the fees will stop and I can get it paid off. I do not want this account or their 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 2024-01-19
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My soon to be ex husband applied for multiple credit cards in my name that I did not apply for. He also stole my wallet and racked up charges on my actual credit cards.

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 2024-01-19
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a payment to previous mortgage holder XXXX XXXX at time loan was being transferred to RoundPoint. There was a delay in transfer and recording. I had talked to RoundPoint and they said it would be OK. It wasnt. I later received a ding. I am not in agreement with that action. I spoke to RoundPoint again and was to receive a call or response in a couple of days. Called a second time on this and filed info online. Still waiting. It was interesting that in one conversation the RP employee quasi-acknowledged the frequent occurrence of late recording. I need the matter addressed and mark removed. Thsnk you

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 2023-11-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 was in the process of purchasing a home when I learned that I had several late pays, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted an application to Mohela for loan forgiveness through the XXXX program on XX/XX/XXXX. Mohela stated that they submitted the forgiveness application to the Department of Education, specifically to XXXX. Mohela would not provide the date that they submitted the package to XXXX and the Mohela representative told me to contact XXXX directly for that information. I contacted XXXX on XX/XX/XXXX and the XXXX representative informed me that the last XXXX form they had any record of for me was from XX/XX/XXXX and that Mohela had not submitted the XXXX form to them for the XX/XX/XXXX application for forgiveness that I had submitted. 


XXXX website indicates that they will process XXXX applications within 30 days, they took almost 60 days to process my application internally, and now after almost 4 months XXXX has no record of Mohela submitting this application to them. Mohela must submit this application to XXXX for forgiveness ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I request the removal of this account from my credit report as it has been over 7 years. The date on my credit report is inaccurate, and it states XXXX as the year. The charges were a result of the natural disaster Harvey, which affected me and forced me out of my home during the period when the charges were made. ( {$750.00} Despite my attempts to explain the situation to the company in XXXX, they continued to charge me without understanding. I can provide documents as proof that I was affected by Harvey at the time. The account is set to be removed from my credit report next year XXXX, however, it should be 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 2024-01-23
Company: Steel River Systems, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When reviewing my XXXX credit report in XX/XX/year>, My score dropped from over XXXX to XXXX because of an unpaid {$850.00} collection to : STEEL RIVER SYSTEMS , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX based on an account from : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have never had a XXXXXXXX XXXX Credit card. I haven't taken out any new credit in a couple of years. A couple of years ago, someone tried to collect a charge to XXXX that I never made. The address on the account was in XXXX FL. I live in XXXX FL, over XXXX miles from XXXX. I thought I straightened it out with the credit bureaus. 

I don't know if this new collection is the old XXXX charge or a new identity theft charge. I tried to call Steel River Systems and XXXXXXXX XXXX but they won't return my calls. XXXX will not take the charge off my credit report until I fill a report with this office. 
Thank you for your help.

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 2023-12-31
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
In XX/XX/2023, I applied for the SAVE repayment plan. My monthly payment came to {$670.00} which is entirely too much, as we are a XXXX income household of soon to be XXXX. At the time I applied for this forgiveness, I had stated I was working, however, I soon quit that job. Even so, my husbands repayment amount was not nearly that high, his came to be {$50.00} per month. I do not believe this agency took the proper steps to ensure the amount that was given would work around our income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX the companies were unable to validate the alleged debt reported to consumer reporting agencies with any endorsed contract between the consumer and original creditor. Which prompted the remittance of the following notice the next month : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly delete my information from all your reports submitted to third parties in compliance with the Privacy Act of 1974.

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