BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit 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:
My card was stolen and used to make a charge. When I noticed it was stolen I called Truist and let them know. The day after, a charge appeared on my card ( it happened over the weekend, charge appeared Monday ). 

I called them and started the dispute practice. They said it would be resolved before the first billing cycle and that wouldnt need to worry about the payment. 

As the deadline approached I called again to check the status. This time they said it would be taken off between the first and second billing cycle. No one told me I needed to pay. 

After the due date, the charge was still there and there was a late fee + interest. 

I called them and the fraud rep said the dispute was still pending but a Credit Card Services Representative would be able to credit the late fee and interest. She transferred me. 

He told me that he couldnt do anything, and that I needed to pay the bill. And only after payment, Id have to call again to discuss the late fee and interest. He was rude, I asked for a supervisor and he said there wasnt any. I told him I wanted to make a formal complaint and he said hed leave notes on my account and then that was the end of the call. 

I do not believe he actually made the complaint which breaks banking law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Account was hacked and they sent a paymnet via friends and family. 

XXXX XXXX Paypal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
CitiBank sent me an email on XX/XX/XXXX stated that my CitiBank checking and saving account will be closed. Since then, I can not access my accounts anymore. There's still around {$16000.00} remaining balance in the account, and I called CitiBank on XX/XX/XXXX and their back office responded that the remaining fund will be sent via a mail check to me. 
Until today ( XX/XX/XXXX ), I still have not received the check. In XXXX, and XX/XX/XXXX, I went to the Branch several times ( located in XXXX XXXX XXXX, XXXX XXXX NY XXXX, and XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX ), and each time the banker can not find my fund no matter via their system or by contacting CITI back office. I also called Citibank customer service and back office, and each time they provided me with different responses, such as your fund has been sent via ACH to your bank account, or your fund has been sent via a check, or your fund is still being held with the bank, or you need to wait until 90 days after the closure.

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 2023-08-28
Company: DISCOVER BANK
State: NJ
Product: Credit reporting 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:
XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX I never applied for any accounts with these company 's I believe these accounts was open due to fraud and it is causing Hard Inquiries on my credit report which is hindering me from applying for anything that can help me with me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, 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:
I have reached out to Equifax, XXXX  and XXXX  six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX  which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to Equifax that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, Equifax refuses to honor and respect my medical condition and have these XXXX balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: EdFinancial Services
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have provided a complete list of every lender I am aware of that has been involved with any of these loans thus far. This information provided has been obtained from my complete credit report. 

EDFINANCIAL SERVICES L 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 I am in the process of applying for the Public Service Federal Loan Forgiveness Program. To do so, I must submit information regarding payments of my loans I have made under the income-based repayment plan. I am on able to access the information regarding how many qualifying payments I have made under this payment plan on the student aid.gov website. This is due to errors on my account as reported in the NSLGS database. The information reported by my lenders to the NSLDS database is in accurate. 

As the NSLDS database is accessible only to lenders, I am unable to determine what account information has been inaccurately reported. As a result of my inability to access my own personal information in the NSLDS database, only my lenders can correct the errors. I, as the loan holder, I am unable to determine what information was incorrectly reported, when the incorrect information was reported, and who reported the incorrect information. Further, there is no way for me to correct this information myself without the participation of the lenders. 

I have made numerous attempts to correct this issue with my current loan order, Edfinancial. I have submitted numerous documents reflecting all of my accurate identifying information several times to no avail. I have spoken with several representatives from NSLDS and EdFinancial and they have not resolved the issue.

I am able to log in to the FSA website with my FSA ID and password but can not view my loan information. The website inaccurately reports that I have no federal loan history whatsoever. I am unable to log in to the studentaid.ed.gov website with my FSA ID and password. When I attempt to do so, I received an error message that says student can not be found. After speaking with a representative from an SLDS, I am told that this is because my identifying information is inconsistent and/or inaccurate as reported to the NSLDS database by my lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

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 2017-05-12
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I own a  2nd floor office condo in an 18-unit, 6-story, 120-year old bu ilding  XXXX   XXXX   XXXX . In  XXXX ,   XXXX  , Peoples United Bank told me I had 30 days to purchase flood insurance on my property in  XXXX  or they would purchase it for me. I began the process and discovered that it was not possible to get this done in 30 days. In the meantime, the bank went ahead and purchased a policy for {$7500.00} and billed me for it. I managed to purchase insurance by  XXXX ,   XXXX   for {$2100.00}. Later, I discovered that the rest of the condo owners paid between $  XXXX  $  XXXX . This year I will renew at this cost. Also, none of the other condo owners were given this kind of a time frame.   The bank has deducted {$1800.00} out of my mortgage payment account, putting the account in arears and charging me for late payments. I have paid {$3900.00} for {$500.00} worth of insurance. I also have an engineering report stating that in reality, only the basement is considered to be in a flood zone ; none of the units in the building are. I also have a letter from FEMA station that the chance of our unit flooding is slim to none.   I am looking for the bank to return the {$1800.00} theyve withdrawn, remove any late charges, and make my account current. Ive made many calls to the bank, but theyve gone nowhere. My issue is not flood insurance, itself, its the fact that the bank is forcing a {$7500.00} policy on me, when the situation was not urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
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:
This item has been disputed and found not to be my account. This item is not associated with me and should not be on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX : XXXX   2.XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX   3.XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX : XXXX   4. XXXX XXXX XXXX XXXX XXXX : XXXX  5. XXXX XXXX   Equifax : XXXX, XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: KY
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2016 I took a personal loan with Lendmark Financial Services in XXXX VA for {$2500.00}. The loan was for 36 months at {$150.00} a month payment. I have never miss a single month payment, I only have 1 or 2 at most 3/4 days late payment that I call them in advance for. I was told by the Virginia office representatives that as long as the late payment is less than 8 days I will not be charged late fee. I also changed my due date from the XXXX of the month to the XXXX and I was told that I will not be charged a fee or interests. I was told many times that my last payment date is XX/XX/XXXX. All of a sudden theres a {$250.00} extra in my loan that they can not explain, even the Virginia agent was surprise and confused about the extra fee. The Virginia agent called and tried to explain the extra {$250.00} but he could not clearly articulate why theres an extra {$250.00} on a loan that supposed to have only {$150.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Credit 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:
I submitted a dispute transaction with my bank about a purchase of {$600.00} with XXXX XXXX XXXX. 
The goods were delivered to the wrong account. Despite my documentation, Navy Federal denied my dispute. 
I requested all the documentation from the merchant. Navy Federal sent me the documentation. The documentation clearly shows that my order was sent to a different account. 
Moreover, I sent them a screenshot and report of my account showing no trace of the transaction. 
I asked Navy Federal to reopen my dispute and reinvestigate it. They refused which is against the Federal Law ( Fair Credit Billing Act, FCBA ). 
I have proved by good faith and Navy Federal replied to me in bad faith.

Moreover, they said in the letter they sent that they are going " to continue to attempt to recover the funds through XXXX XXXX  pre-arbitration phase of the dispute resolution process ''. However, they immediately reposted the transaction on my account which represents a second violation of the FCBA. 
I am requesting from Navy Federal to reopen my dispute transaction and to treat it fairly. 
They have all my documentation showing that the transaction was sent to another account and they also received from the merchant the transaction tracking showing that another account received the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: WLCC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
on XX/XX/2023 I notice an amount of {$180.00} coming out of my XXXX  XXXX XXXX checking account when I looked into this it said that explorer credit was charging my account deducting {$180.00} for the past three months since XX/XX/2023 they claimed that I applied for a payday loan totaling {$500.00}. I told my bank that I attempted to contact his company and to report this as a fraudulent transaction. They proceeded to charge me knowing that this was fraudulent so I had my bank shut down my account refund the {$500.00} that they claim they deposited and dispute my charges. However, this company has been reporting this on my credit as a default payment I have no need to receive a {$500.00} payday loan. I havent been working for two years. My husband has his own business and I am financially stable. There was no need for a loan of this type for such small amount of money I have contacted this company over a dozen times, including legal advice, and they still have not stopped harassing me and attempting to collect money from me. I would like to report this company as a fraudulently operating company they claim that theyre US-based XXXX but their call centers are in XXXX. I am unable to get a hold of anyone in the United States. I have contacted this company over a dozen times, including legal advice, and they still have not stopped harassing me and attempting to collect money from me. I would like to report this company as a fraudulent Lee operating company they claim that there are US-based, but their call centers are in XXXX. I am unable to get a hold of anyone in the United States, there are over 900 reviews of this company. They have a one out of five star rating, and hundreds of people are claiming them to be fraudulently operated. Please contact me if you need any more information to proceed with this complaint. My number is XXXX. My name is XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I opened a 6 month CD with Truist Bank on XX/XX/2023 with {$10000.00} at the current interest rate which was about 4.5 %. I bought the CD so as to qualify for a free checking account which required that I keep at least {$10000.00} on deposit with the bank. I requested that the CD automatically renew, which it did on XX/XX/2023. Two weeks later, on about XX/XX/XXXX, I received notice that the CD, now worth {$10000.00} had indeed renewed but at an annual rate of .01 %. The going rate at the time was nearly 5.00 %. They were clearly hoping that I, and presumably the other thousands or tens of thousands of customers that they were doing this to, would not notice their attempt to hold my money without paying interest. XXXX percent of {$10000.00} for XXXX months is XXXX cents rather than the nearly {$250.00} I would have received had they renewed in an honest manner. I went to the bank branch since Truist could not handle the matter over the phone. The bank manager had the nerve to claim that since they were not offering 6 months on the renewal ( only 7 months ) they were only able to renew it at the .01 % rate. I told XXXX that they no longer had my trust and that I would be closing my account as soon as I could arrange to set up my XXXX XXXX deposit at another bank. The manager closed the CD, ever so generously waving the nearly {$25.00} penalty for closing the CD early ( sarcasm here ), and put the money into a money market account paying about 3.75 % interest. Meanwhile I have requested XXXX XXXX to deposit my monthly benefit in another bank which they will start doing in early XXXX. At that point I will close all accounts at Truist.

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 2023-08-29
Company: CARCO Group, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I haven't applied for no credit cards or loans and I have alot of hard inquiry I lost my social security card and id 4 years ago when I was homeless so who ever has my ss aND id are doing these pulls I wou them removed please so I can live my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CITIBANK, N.A.
State: NJ
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:
Hello, I find it highly problematic that Citibank is refusing to close client 's credit card accounts. I understand that they are trying to catch up with other big retail banks in the credit card business, but I think their business practises are highly unethical and unprofessional. My detailed experience is as follows. 

I signed up for a Citibank credit card a couple years ago. However, I didn't really like their offerings compared to their competitors, so I rarely used the Citi credit card. Last summer, I noticed a fraudulent activity on that card which prompted me to call Citibank to close my account. However, their customer service staff were extremely resistant with my request. They kept on going in circles asking me why I wanted to close the account and started offering me things I don't need in order to keep my account open. I was in a rush when I called, so I decided not to bother closing it. 

A year later, I decided to call Citibank again to close the account. They did the same tactic where they kept on asking me why I wanted to close the account. I answered, " I don't use your card and I want to close it ''. However, they refused to take that as an answer. They responded : " For compliance reasons, we need to know why you want to close the account ''. I said I already told them why I want to close the account. And then they started offering me 10,000 " ThankYou points '' to prevent me from closing the account. After wasting half an hour of my time, I became very impatient and I had to tell them, this is my account and I have the right to close it. I told them that I would report the to the regulators if they refuse to close my account. Only until then, they closed my account. 

I find their behaviour highly manipulative and unprofessional. I want to bring this to the attention of the regulators, as I think this is highly problematic and I have not experienced similar behaviour from other banks. 

Regards, 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 non-monetary relief
Consumer complaint received 2017-05-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On  XXXX / XXXX /  XXXX   I looked up the balance to m y American Express Gift Card,  and the record showed that it had been used fraudulently. I received this card months ago as a holiday gift, and it had not left my wallet.     The charge that I disputed was made at a   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , CA with a transaction date of  XXXX / XXXX /  XXXX   and a post date of  XXXX / XXXX /  XXXX  . The disputed amount was {$21.00}.     I contacte d American Express customer services, gift card division, and they said that my o nly recourse was to contact the merchant directly. The merchant could do nothing to help me.

Company response to consumer: Closed with explanation