BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I originally had a XXXX checkings account in the United States. However, XXXX closed their operations and my account was transferred to be managed by Citizens bank ( it was transferred apparently in 2022 ). My old account with XXXX did not have any maintenance fees but the new one with Citizens has THREE fees- {$9.00} monthly maintenance fee, {$5.00} service charge account fee, and a {$3.00} service statement delivery charge. These fees total {$18.00} each month. Citizens has been charging my account these fees since XX/XX/2022 ( in total {$90.00} ). They DID NOT tell me at all of these fees nor properly notify me. These fees are clearly predatory in nature. The service statement delivery charge - charges me for statements in the mail ( without asking me for my updated mailing address ), they didn't even try to do paperless which is free. The monthly maintenance fee requires that I do a deposit and withdrawal from my account at least once per month. I don't know many people who visit the bank that often - especially when we are STILL in a pandemic with COVID going on ( they did not even offer me mobile banking either ). 

For one, they told me that they notified me by mail - however, I have not been receiving the mail correspondence for two reasons. Citizens did not ask me to update my contact information - thus they did not know my updated mail address. I have been in the hospital multiple times this year due to severe health issues and in the time I do not stay in the hospital I have been staying with my sister who has been taking care of me. 

Thus, I did not receive proper correspondence - no one bothered to call me or try to notify me XXXX XX/XX/2022. I received a call asking me to update my contact information and that I was being charged fees. I was so shocked - how can you wait 8 months to ask someone to update their contact information, and charge their account for so many months without asking for their permission for the specific account type or let them know about the fee structure. 

I went into the physical branch as soon as I received that phone call and they printed out the fees for me to see ( I've attached the paper they printed out for me ). 

The fees are leeching in nature, fraudulent and Citizens bank did NOT take any proper steps to ensure customers knew of the transfer and of the account type + fee structure. I did not know about this at ALL nor would I ever agree to this type of fee. I want these fees refunded to me and I NEVER want to work with Citizens bank after this experience. 

Given I was an account that was transferred to them Citizens did not take the proper transfer steps and instead implemented predatory fees to take advantage of these customers who were not informed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received an alert from my credit monitoring services that this company has reported that I owe them a debt. I have never done business with this company nor have I ever entered into any contractual agreement with them promising to pay for neither goods nor services. I have never received any notification from them either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I applied for a Capital One mastercard. Today on XX/XX/XXXX I received an approval email ONLY if a send copies of my ID which were NOT required for online application. After several phone calls to XXXX, representatives refused to close card ending in XXXX with a {$300.00} limit & send a letter stating closed by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for assistance due to loss of income multiple times since XXXX. I keep getting denied. I received a notice.of default XX/XX/XXXX. Covid hit and I entered info Forbearance around XX/XX/XXXX for XXXX  months. In XX/XX/XXXX I submitted another request for assistance and was offered several options after Forbearance. I was told I would receive paperwork to sign. In XXXX I still hadn't received the paperwork and called the bank and was told I had new options available. I requested loan mod and partial claim with limited documentation. 
I submitted what was requested and waited. I was asked different letters and statements which i supplied. I kept calling for status updates and was told it was in review. I called XX/XX/XXXX and was told they were waiting for documentation from me, which I supplied on the XXXX and the website stated that I submitted everything. The rep said she would submit back to underwriting. I explained that I was already offered options and was waiting for documents to sign. 
In XXXX I received a denial letter and was told to apply again and i would recieve a packet on the mail. Then XX/XX/XXXX i received a notice stating that my application was closed due to an incomplete application This has been the cycle since XXXX. It took them almost 2 years of missed payments before filing the NOD. 

I.want to keep my house. I dont understand why I keep applying and get denied. Now for public record against me.which is the NOD.

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 2019-07-13
Company: ZWICKER & ASSOCIATES
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
There is an old debt from 2011 that Zwicker and Associates, P.C. ( XXXX. XXXX XXXX XXXX, MN XXXX ) had filed and sued me in another State without my knowledge to complaint. The debt is too old for law to allow for any sued to be done now. They constantly send people to my ex-wife 's house or call my number or my ex-wife 's house threatening with wage garnishment or collections. I have had nemours conversation with them to stop harassing my kids and my ex-wife but the harassment continues. I just want the daily calls to my family to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion is continuously reporting multiple Unverifiable, inaccurate, misleading, inconsistent information on my Transunion credit report. As of XX/XX/2020 all of the following Accounts are in violation of FCRA rules and must be immediately removed from my TransUnion credit report. 



( XXXX XXXX ) This account can not be verified by original creditor a violation of FCRA rules and Regulations of the FDCPA section 809.

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 2020-03-20
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - applied for HELOC with PenFed Credit Union XX/XX/XXXX - was given conditional approval after uploading supporting documents. pre-approval was based on credit score, income and a pending appraisal XX/XX/XXXX - application was denied by underwriting. No notice was given. They deleted my application so the loan processor could not find it. I waited for 3 weeks to get an appraisal that I was told was the only thing keeping that conditional approval from turning into a full approval. Instead of an appraisal, my application was denied and deleted. No reason given and no way to find out what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Southwest Stage Funding
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cascade/Southwest Stage Funding XXXX Has used creative accounting practices on applying my payments. In an attempt to pay off my mortgage earlier I have sent in extra payments to be applied to Principle. It was discovered that this money was being shown as ADVANCE INTEREST. I had sent notice that any and all extra payments in a billing cycle should be applied directly to principle. When contacted about this, Cascade/Southwest Stage Funding , then shown payments were corrected. I feel that I was charged interest on money that had been attempted to be paid. I have requested an audit by Cascade/Southwest Stage Funding to ensure payoff amount is correct. This action has not been performed. Due to displayed accounting actions of Cascade/Southwest Stage Funding I request an investigation into their accounting applications..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX  Acct # - XXXX XXXX Acct # - XXXX XXXX  XXXX  Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-07-20
Company: Experian Information Solutions Inc.
State: CA
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 am filing this complaint to EXPERIAN there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion continues to report wrong information to my credit report even after you seen them proof of the false information is not reported correctly. THEY DO NOT CONTACT THR CREDITOR DIRECTLY TO VERIFY THE INFORMATION THEY USE A DATA BASE SYSTEM THAT'S NOT UPDATED. They will not update your credit score as you pay off a credit card to bring down your debt to ratio. They are reporting that I did not pay off my two XXXX XXXX XXXX XXXX credit cards. They also showing other credit cards not paid off and they have been the information Transunion is reporting is not correct. 
XXXX is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.

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 2021-07-24
Company: Experian Information Solutions Inc.
State: TX
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:
Unauthorized reporting multiple laws were violated.

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 2023-10-31
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I've called MOHELA multiple times in XXXXXXXX XXXX XXXX XXXX XXXX  ) to get my recertification cancelled. I received an e-mail from US Dept of Education earlier in XXXX to re-certify to qualify for the SAVE program, which will offer the lowest payment amount for my students loans. However, I found out right after submitting my request that recertification is NOT required until XXXX and my monthly payment on the SAVE program will be significantly higher ( previous payment amount was around {$160.00} and with the SAVE program, it is almost 3x the amount ). I called and talked to a rep the very following week ( as recertification was completed on XX/XX/XXXX, Friday ), was told that they will cancel the recertification and I will be remained on my previous IDR plan. I called the next day ( XXXX ) again to get reconfirmation and they reassured me that the cancellation for recertification was on file and to call back in a couple of days. I repeated the process on XX/XX/XXXX and I was relayed the same information as they were still working on the cancellation. A week later, my account was updated with the SAVE program with a new payment amount of {$420.00}, which is almost 3x the previous amount. I immediately called again and inquired about what happened. MOHELA representative told me that the recertification is in process to be cancelled. It has been almost 2 months, I've been on hold for hours and hours on end with no success of getting a representative on the line. No change has been made and my account is still showing the SAVE program with the new amount that's due in XXXX. I just want to go back to my old IDR program and monthly amount until I have to re-certify next year ( XXXX ) with my updated tax information then. As MOHELA have told me they will do but failed to do so! PLEASE!!! I've sent messages to MOHELA as well and they reply back days later to call their number. I have TRIED to call and been on hold for hours and been hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I filed a bankruptcy back in XX/XX/2009 and in my XXXX  XXXX  it shows that the bankruptcy record has been removed but my score still stays the same. Also, XXXX  has updated and removed from my record and my score has increased! 

I paid for a credit score and a credit report on the TransUnion website but it still says that I have a bankruptcy record under public records. 

Pls. Help me get this straighten out as Ive tried so hard to build my credit back to buy my first home. 

Thanks

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 2023-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I went to close all of my accounts with bank of America on XX/XX/XXXX. I paid my entire credit card balance, and it was at a XXXX  balance when I closed it. I was in person at a branch, but the credit card portion was done over the phone in the office of the branch. After closing my card and all of my bank of america accounts, I moved to a new bank. I received no communications from Bank of America and was under the impression my business with them had been concluded. In XXXX of XXXX I received a letter that my credit card was in delinquency, over a {$4.00} balance that was not paid, and an additional {$7.00} in late fees. Confused, I went into my local branch. At the time I was unable to be given an answer as to why the charge was there, how it was closed with a balance, and why I had received 0 communication about the card until the delinquency letter. I was under the impression I was receiving good customer service when the associate at my local branch told me they would waive the {$7.00} in fees, and had me pay the {$4.00}. I had had this card for over 5 years and never missed a payment, so it was clear to the associates in the branch that the {$4.00} was some sort of error. At the time my primary concern was my credit score not being affected by this 4 months of " late payment '' I paid the {$4.00}, and then was again under the impression that I had concluded my business with Bank of America. When I checked my credit score at the beginning of XXXX, I found that it had dropped nearly XXXX points, as the account was still regarded as delinquent, as the {$7.00} had not been waved. I have since paid the {$7.00}, as Bank of America refused to do anything to an account that was in collections. To reiterate, I found out the account was in collections due to my own diligence, I had not received communications from them aside from the 1 delinquency letter on XXXX XXXX, XXXX. I believe it is relevant that they did have my contact information for this letter, but failed to provide any statements or other communication about this account. I then went through a credit bureau adjustment case with bank of America, only to have them conclude there were 0 errors on their end. The department for this is not accessible by customers, and I had to spend hours getting transferred around by BOA to file this report. I had to call and request the result be resent, as the initial letter was not sent, and they could not tell me the findings of the case over the phone. I spent many more hours trying to dispute this information, as it was not accurate. At this point nothing has been resolved, and I have no faith that bank of america is capable of assisting.

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 2023-02-17
Company: EQUIFAX, INC.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation