BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was trying to close my account on the citi website. 
My complaint is that are deliberately making it very difficult to do so, hiding the options to do so, providing misleading information for how to do so, then forcing the consumer into a marketing/retention call. 

I went to the app, no ability to cancel. 
I went to the website, no ability to cancel. 
I opened the chat feature, asked to cancel, and it send me to phone support I called phone support and was put on hold for XXXX minutes. 
After being on hold, a person answered and asked me what i wanted, I said to close my account, and they said they had to transfer me. I asked not to be transferred and they refused. 
While waiting on hold I put my close account request into the chatbot again, and it said ( this time ) it could connect me to a rep. 
The rep connected and " reviewed '' my account, then asked the reason for my cancellation, which i told her ( didn't want to pay the annual fee ), then she told me i had to go through the voice system. 
Around this time, I was connected to the " account specialist '', I asked this person at least XXXX times " Please close my account '', and they would not refuse, but would not comply, instead trying to get through their retention scripts. 

This is abusive behavior, this is friction deliberately put into the system to discourage people from cancelling the card, and I think companies should be forced to allow cancellations to be done at least as easily as signups.

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 2021-01-13
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX XXXX balance {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. 
I was notified through an alert that on XX/XX/2020 a thief who stole my identity applied using my name and social security number, for a Capital One credit card. I notified Capital One of this fraudulent application. Capital One reviewed the application and determined that indeed the application was fraudulent and thereby cancelled the application. 
On XX/XX/2020 I formally requested through the Federal Trade Commission, a request for a copy of that application and request for other related records/documents from Capital One. To this date Capital One has refused to comply with that request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I applied for a payday loan back in XX/XX/2018 in the amount of {$500.00}. The last email I was sent was an invite for me to use direct deposit. I was never sent an confirmation that the loan was approved but the very next morning I checked my account and the funds were there. I tried to contact the company and send the funds back but was told I couldn't do so. After reviewing the documentation I saw that I would end up paying 5 times the amount owed. Once the debt was sold to the third party National Credit Adjusters I did receive a letter in the mail and also a phone call from a very kind woman advising me of the payment options as well as offering a payoff. I told her at the time I couldn't afford another bill but I would call them when I am ready to make a payment. That conversation happened in XXXX and for the past 3 months I have received repeated call from different numbers all dealing with this same company. They call at all hours of the day and if I don't answer the number the will call from a different one the very next minute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
On XXXX I did an online escrow payment of XXXX to cover estimated shortage from pay off quote of XXXX which I was given XXXX on XXXX I did an online payment of XXXX towards the principal On XXXX I wired in a payment of XXXX which was the amount requested to pay off the loan On XXXX I wired in a payment of XXXX as requested from a supervisor named XXXX to cover the new escrow shortage. 
I have called numerous times to have this paid off in full and they refuse to apply the funds received to do this. 
I have spoken to numerous supervisors and a manager named XXXX XXXX. 
I was told to call the ombudsman dept and I spoke to XXXX who said to call back in 2 business for an update. 
I have been told something different at every call I make. This has been going on for weeks. They have a total of XXXX of my money yet refuse to pay off my house. 
They have now taken some of that money as of today and made 2 house payments for a total of XXXX and put XXXX in my escrow account, now saying I owe another {$2600.00} to pay off the house. All of the funds have been there but they refuse to pay off the house. I am also concerned this will show up on my credit report as a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with Bank Of America from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!

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 2023-01-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Around XX/XX/XXXX my ex girlfriend moved out of my residence due to the end of our relationship, she changed all my personal information on a credit card that we opened together and submitted to Chase Bank her own personal information without the bank notifying me that my PI was changed to my ex girlfriends information. She maxed out the credit card to an amount of over {$18000.00} around XXXX of XXXX and I was only notified by Chase Bank after the card was maxed out. Chase Bank informed and notified me of the change of the name, address and email address from my account, making it impossible for me to realize what was going on. Chase Bank declined to move forward in anyway even though several calls to the Fraud Unit and Dispute Team. Again, Chase Bank failed to notify me in regards to the changes of my personal information to my ex-girlfriend information and only made me aware of that after the credit card was maxed out by my ex girlfriend. My outstanding credit history was damaged by her actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also not reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts. 

Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.

While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report.

Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts. 

I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated. 

Thank you for your immediate attention to this request. I anticipate your prompt response. 

Sincerely, 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 2023-01-23
Company: MOHELA
State: PA
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 believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly as payments that had previously been qualifying have been removed. When I contacted the agent they told me that it was because one of the signatures was not a " wet '' signature, however, this is inaccurate as both signatures were acceptable signature formats according to the Department of Education 's website. I believe I should have 68 qualifying payments but I am only receiving 11 qualifying payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
USAA has not been capable to handle a simple investigation. I talked to 3 USAA representatives XXXX XXXX and XXXX XX/XX/23 from their resolutions team, who assured me USAA made a mistake and not ALL information was considered when making a decision to take back {$200.00} credit from my account. Their derision to take back the credit was bogus and unfounded, claiming there were no pin failures. When 3 of their USAA reps had complete access to see not only there were MULTIPLE pin failures but different baks were used to withdrawal money. THOSe reps also concluded that XXXX denial WAS NOT accurate or agreed with the assessment. 

Most importantly on XX/XX/23 a new resolution was issue making me liable stating " to new information was provided '' when all the notes and evidence IS WITH THEM from their own usaa team members who submitted the necessary and available information, USAA is either playing or has untrained personal working these cases. 
I would like USAA to correct their mistake immediately, issue a refund and investing why they are failing their customers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NJ
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 had requested for an investigation with the three major credit reporting agencies within my rights under the Fair Credit Reporting Act. I disputed the accounts attached to this complaint and the credit reporting agencies claimed to have verified the accounts which also included a bankruptcy public record. I found the credit reporting agencies alleged verification as sketchy due to the fact that information was still reporting inaccurately for the disputed accounts and the United States Bankruptcy Court for the District of New Jersey has already confirmed that they don't furnish any information to any credit reporting agencies including XXXX but the three major credit reporting agencies claimed to have verified the bankruptcy with XXXX which is impossible because the bankruptcy has already been disputed and removed from my XXXX credit report. 

The three major credit reporting agencies stated that the accounts and bankruptcy was properly investigation but how is that possible if the account type is inaccurate and the bankruptcy reference number is not accurate. This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. Also, the credit reporting agencies never sent me results for my dispute request and I had to get updates through my credit monitoring account with XXXX but I never received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Selene Holdings LLC
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/ a payment was made to Selene Finance. On XX/XX/ I received a statement from Selene Finance dated XX/XX/23. It clearly states that a full payment is sitting in unapplied funds dated XX/XX/ If a full payment is sitting in unapplied funds when the statement was generated on XX/XX/ it Clearly states it was not being applied even 9 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A third party collection company is furnishing a negative account and inaccurate information on my consumer report while using the misrepresentation of an attorney to a collect debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 my mom sent me a wire transfer for XXXX. She went inside XXXX XXXX and sent the wire directly with the manager and both their signatures. The wire was successfully send and was deposited into my chase bank. I manage to withdraw XXXX from my account before chase froze my funds and account. I called in to see what the issue was and chase told me that XXXX recalled the wire transfer and that they had to be sent back. Today is XX/XX/2023 and chase still has my funds totaling XXXX sitting in my account. I went inside my branch chase in XXXX Texas on XXXX and spoke to XXXX who was the Manager at this branch. He helped me call in to the fraud department and they asked me a bunch of questions and also told me to submit documents proving that my mom sent the funds. I did what they had ask and they came back and told me they would send me a check for the total amount of XXXX and I would be expecting it in 5-8 business days. I went back into the branch today because it has been way past the deadline and XXXX told me the wire department wont release my funds and I ask why and he wont give me an answer. His exact response was the fraud unit cleared the check but the wire department denied it, you have to go to XXXX to get your money back. I ask him why would I go to XXXX, when Chase has my money? At this point its been almost 3 months and chase wont give me back my money. Ive already contacted a Banking attorney and will take legal actions against chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: NORTHWEST BANCSHARES INC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The VA deposits my XXXX money into my northwest bank checking account on the XXXX of every month and Northwest holds my funds for a minimum of 3 days instead of the following day

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 2023-11-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo has denied my claim after proving evidence of fraud from services that I no longer have access to, and I strongly disagree with the discussion. I purchased services from merchant 'XXXX XXXX XXXX ' and the service I paid for is no longer available to me. 'XXXX XXXX XXXX ' intentionally sabotaged customers by putting software on the services to intentionally fail customers so that they can keep paying for evaluations when in reality they were soliciting customers. The company has a lawsuit filed against them for fraud. I was paying for evaluations that have history and data on the dashboard on the website that I no longer have access to. I have submitted court documents to Wells Fargo proving that I did not receive the services that was paid for and that the services are no longer available. I purchased services from the merchant on XXXX XXXX  for {$470.00}, XX/XX/XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, and XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) More than 180 languages available. 

I previously filed a claim with the customer protection bureau and was told to file another because they kept having to extend the case multiple times because Wells Fargo claim assistance center did not get back to them in time.

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 2023-11-28
Company: SANTANDER HOLDINGS USA, INC.
State: KS
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:
XXXX, XXXX, XXXX, and previous months.. I have submitted my disputes, requested the investigations, called the agencies to speak with real people. My requests have been ignored. My rights and privacy has been violated and disrespected. My character and reputation have been discriminated against. I have suffered from reciieving credit I deserve, for both personal and business benefits. My family has suffered as well, being denied the financial stability for everyday living. I have been denied auto financing, credit cards and business funding. I have also reported these issues with the CFPB, XXXX, and attorney general. Nothing has been done to ensure that my family and my rights be honored. I have been more that patient with this process and have endured far too much stress and hardship. I am requesting the attention that this matter deserves, I can't provide for my family this way, and that is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Central Portfolio Control Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, XX/XX/2023 at XXXX, Central Portfolio Control , Inc . Sent a text message to my mother, address to me. 
In the text, it contained an Agency ID to get into the account to view payment and discount options.

The only other info that was needed to get into and view all of my account details, including the amount owed, was the last 4 of my SSN.

Sharing my personal info is not only illegal but its unprofessional and very concerning. 
I have contacted a law firm and I also sent an email to CPC, INC. to tell them how inappropriate it was.

Company response to consumer: Closed with explanation