BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
today the XX/XX/ i had charges from XXXX that i never did since i dont have an XXXX  or XXXX  or anything XXXX  and i called to do a disoute and all that happen with that call was the lady was really rude and she locked my account and this was not the first time they let transaction threw my account without autherazations about a week ago they let XXXX transactions of XXXX go threw and the hole time after i disputed it i called and called asking about the resolution and everytime an every person i talked to all gave different answers finally after XXXX  days they did give me money back and this time i couldnt even ask for money back they just got rude and did nothing but lock my account. also when open my account and got my card had money in account i tried to use it and i had just moved and they tell me i cant use my card untill i had a referance number that they mailed to me even though i had moved and they told me to bad with out that number they get to keep the money and i even got them to say those words they will take the money without the referance number cause thats how they verify who u are which is no verifacation at all if thats how they do it anyone can open an account in someones name and have them send it to there address and then there all good. Then there is the fact i tried to add my card after i finally got access to my money to XXXX XXXX  and it was not aloud couldnt even add it to XXXX  until they gave me the ok so i called them and all of the sudden the ask for some referance number again and since i didnt have it when i called they locked my account again i couldnt even log on the app or on the computer and again i had no access to my money so please do something about this bank they need to be shut down and im sure im not the only one that has complained cause if u look at XXXX XXXX XXXX u will see its nothing good from anyone only bad i mean the havve the grade of f on there thank u for reading this and i know nothing will be done after this last XXXX charges that were not authorized i closed my account even though that {$4.00} is a big deal for me cause i dont really have money they would have fought me over it and it would have take another XXXX  days to get {$4.00} back or they would have denied it thank u again even though u wont do anything about this cause this bank is still open

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 2024-01-19
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
To whom it may concern ; My name is XXXX, XXXX ; I a widow with XXXX XXXX  children, whom the XXXX XXXX old is XXXX XXXX Im also a victim of identity theft which my personal information were fraudulently use to obtain good/services ; as a result of this companys financial breach. 

I am writing this letter to bring to your attention the concerning and frustrating experiences, I have had with my mortgage servicer Loan Care. I believe that the practices of this company are not only unethical but also potentially in violation of consumer protection laws. 

I have been a customer of Loan Care for almost XXXX years, and during this time, I have encountered numerous issues that have caused me significant stress and financial hardship. Some of the key issues include : 1. Identity Theft, Inaccurate/ Excessive fees : I have consistently been charged fees that do not seem justified or have been applied in error, leading to financial strain. 

2. Poor communication and customer service : I have encountered difficulties in reaching a knowledgeable and helpful representative when trying to resolve issues or seek information about my mortgage account. 

3. Mishandling of payments : On multiple occasions, I have experienced errors in the processing of my mortgage payments, leading to confusion and potential damage to my credit score. 

4. Lack of transparency : I have found it challenging to obtain clear and accurate information about my mortgage account, including the breakdown of fees and charges. 

These issues have caused severe financial, emotional and social hardship to my household ; which significantly impacted my ability to manage my finances and maintain confidence in the mortgage servicing process. 

I have made multiple attempts to address these concerns directly with Loan Care Customer service via email/ phone, but I have not seen any meaningful improvements in their practices ; instead my account is now in delinquent status subject to foreclosure. 



I am reaching out to your office in the hope that you can investigate these matters and ensure that Loan care complies with all relevant consumer protection laws and regulations. I believe that the practices of this company may be in violation of [ specific laws or regulations if known ], and I urge you to take action to protect the rights of consumers like myself. 

I would be grateful for any assistance or guidance you can provide in addressing this matter. I am willing to provide any additional information or documentation that may be helpful in your investigation. Thank you for your attention to this important issue. I look forward to a swift and thorough resolution to these concerns. 


Sincerely,

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: CREDIT ACCEPTANCE CORPORATION
State: FL
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 am writing to file a formal complaint against Credit Acceptance regarding their unethical practices, specifically related to bullying, improper use of my credit report, and hidden fees associated with my car loan. I believe that these actions are in violation of consumer protection laws and regulations. 

I entered into a car loan agreement with Credit Acceptance on XX/XX/year>. Since then, I have experienced numerous instances of bullying and harassment from their representatives. They have resorted to aggressive and intimidating tactics, including constant phone calls, threats, and abusive language. This behavior has caused significant distress and anxiety, affecting my overall well-being. 

Additionally, I have discovered hidden fees associated with my car loan that were not disclosed to me during the loan application process. These undisclosed fees have resulted in unexpected financial burdens and have significantly impacted my ability to meet my financial obligations. 

The balance that is being shown on the credit report is very different from what I am looking at when I sign in the credit acceptance app. 
Im paying for this car two times the amount that I see the advertised price for. 

The internet price was XXXX. When Im checking after that time I realize I was tricked into being a failure.. 

Upon checking my recent credit report I see many inaccuracies and I disputed them 3-4 times with the credit bureau XXXX 

Each time they all came back verified and accurate. 
I ask for reinvestigation in another dispute and I get the same result. 
So now Im thinking no one is actually doing anything. 
Because my report has these errors. 

I been making a weekly payment and my balance never change each month on my credit report. 
I also disputed this and it came back the same while Im making these payments. 

I now regret getting this car and feel manipulated into a trap of messing up my credit worthiness. 

I have attempted to resolve these issues by contacting Credit Acceptance directly, but their response has been unsatisfactory. They have been uncooperative, dismissive of my concerns, and have failed to provide any reasonable solutions or explanations. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against Credit Acceptance. I believe their actions are not only unethical but also in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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: Experian Information Solutions Inc.
State: MO
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:
It's impossible to close a complaint while working on the complaint but those fraudulent company dose ot everyday

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: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank advertises Military Lending Act benefits which was the reason I got the card. I was told the annual we would be waved within the first XXXX  months. With an assistant we have submitted XXXX different claims and each have been denied stating I am not in the military. I provided the XXXX printout and everything asked but they keep saying their system says Im not in the military. I even gave them the reference to my Citibank government ( military ) travel card. Needless to say I have a couple more months before I cancel as the fee is {$490.00}. I never would have gotten it without their advertised benefit.

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 2024-01-19
Company: WELLS FARGO & COMPANY
State: AZ
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:
Item arrived damaged, requested a return and no one picked up the box. Filed dispute on credit card.

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: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX check stolen, washed and cashed. Not sure when There is no time stamp. Truist denied reimbursement of monies stating time framework on XX/XX/year>. Truist case number is XXXX. My business office continued to work with Truist to no avail. Police report with XXXX Police Department started on XX/XX/year> XXXX assigned. Nothing resolved and Truist continues to deny reimbursement. I have copies of everything. Amount of check is 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 2024-01-20
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a bogus collection on all XXXX of my credit reports. I filed disputes with all XXXX credit bureaus by certified mail. 

XXXX is the sole credit reporting agency that still recognizes the debt. 
After multiple attempts at contacting them I have been forced to file this complaint. 

The collection showing on my XXXX account is from a company called I.C Systems.

I never did business with these people and I expressed that this was a case of fraud in my dispute. 

Also XXXX is incorrectly showing that 2 other accounts are late but closed and paid. 

The accounts can't be both late and closed. I paid off the accounts and closed them, however this is not reflected on XXXX. 

Thank you to whoever reads and investigates this matter. I really appreciate your time and attention.

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 2024-01-21
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this from my credit report and won the dispute because the debt is not mine. It was purchased. This company has since put another debt collection on my credit after I already filed a dispute and won.

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 2023-11-30
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Hello! 

XXXX. I am XXXX XXXX, I live in XXXX NY, XXXX XXXX in the rural area blanketed by snow and ice and really cold weather in XXXX and XX/XX/XXXX and now again in XX/XX/XXXX. FEMA approved me as an individual victim of the Deadly winter Storms of XXXX FEMA Disaster XXXX, but, Apple Titanium Credit Card run by Goldman Sachs does not know how to give me a three month hiatus on payments to them nor the 3 months of interest and late charge free benefits as a victim of these National Disasters. 

2.Plus, I am XXXX and they do not allow me to request a " reasonable accommodation " under the law as a 100 % XXXX person. That is a violation of the XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Goldman Told me I am crazy and not allowed to get any benefits. 

XXXX, Plus, as a Senior XXXX person in XXXX, I am allowed to request special services so when I am injured as I was recently, I can get a waiver of interest and payments in a special assistance plan, which apparently I dont qualify for because Goldman told me that they do not help XXXX people in the Apple Credit Card program. 

XXXX the Apple Titanium CC program joint venture apparently has been dissolved by Goldman so there are NO more phone calls servicing available I have spent the past year calling these people and the Supervisor line is non existant anymore. I want a courtesy inconvenience credit for failing to answer at least thirty phone calls per day for the past month of XXXX.. 

So, I expect to recover from the Disaster and my injury in the next few months, No one in Goldman knows how to apply Disaster Relief nor XXXX Relief under XXXX nor acceptance into any program to waive fees and interest for three months as the law states. 

Can you help me convince Apple and Goldman that XXXX people stuck in the Disaster Area with ten feet of snow need a helping hand? 

The FEMA Disaster Approval code for these winter storms is XXXX. as well as a second disaster in XX/XX/XXXX. I filed complaint for disaster aid # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Complaint Against Wells Fargo , Plaintiff 's Attorney XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX NY XXXX and referee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX for Violation of Due Process Rights in Foreclosure Auction ( Case No. XXXX ), and violation my consumer rights to PRIVACY & CONSENT. 

DEAR CFPB, I am writing to file a formal complaint against Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX, XXXX regarding their handling of the foreclosure auction of my property scheduled for XX/XX/XXXX, associated with case number XXXX. 

I. Violation of XXXX Real Property Actions and Proceedings Law Section 1351 ( 1 ) and CPLR 2004 The foreclosure process undertaken by Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX XXXX has failed to adhere to the required procedural steps as mandated by XXXX XXXX XXXX  Actions and Proceedings Law Section 1351 ( 1 ) and CPLR 2004. This non-compliance has resulted in a violation of my due process rights. 

II. Request for CFPB Intervention I respectfully request that the CFPB investigate these violations. Wells Fargo, XXXX XXXX XXXX XXXX the plaintiff 's attorney, and referee XXXX XXXX XXXX XXXX do not possess the jurisdiction to proceed with the auction of my property based on their procedural misconduct. 

III. Conclusion The actions of Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX XXXX have not only disregarded legal procedures but also my rights as a consumer. I urge the CFPB to take immediate action to address these violations and to assist in halting the scheduled foreclosure auction. 

XXXX XXXX XXXX  WELLS FARGO CONTINUES TO SHOW UNCLEAN HANDS AND FRAUD UPON THE COURT XXXX XXXX XXXX 

XXXXAS A CONSUMER AND XXXX AS MY CREATORXXXX Thank you for your attention to this serious matter. I am looking forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX text or call CFPB ONLY

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 2024-01-30
Company: CashRepublic Holdings, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Omni violated the MLA. Specifically by allowing me to roll over and refinance the existing loan, exacerbating my financial hardship, there was a clear violation of MLA.

This was only further exemplified by charging for debt cancellation products.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: CashRepublic Holdings, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX violated the XXXX by selling add on products in relation to the loan. This includes debt cancellation for {$750.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: Experian Information Solutions Inc.
State: GA
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:
A company XXXX XXXX  XXXX suddenly appeared on my credit report and has been contributing to my low score. I have no knowledge of this account and also do not have any knowledge of the company they say is the original creditor. I have no idea why this is being listed on my credit and hurting my score when it is not my debt and must belong to another with the same name or else is somehow fraudulent. I do not owe this company any amount of $ and have no contract with them or the company they are associated with.

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: PENTAGON FEDERAL CREDIT UNION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Penfed denies me a checking account vecause they cant process a fico credit score when i have proof of good credit.

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: FC HoldCo LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2023 flagship credit took XXXX from my XXXXXXXX XXXX account- this transaction was not authorized. I did not speak with them in the month of XXXX nor give them permission to steal money from my checking 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 explanation
Consumer complaint received 2024-01-20
Company: CITIBANK, N.A.
State: MN
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:
Fraudulent charges on card occurring XX/XX/XXXX for {$200.00}, XX/XX/XXXX for {$130.00}, {$110.00}, {$25.00}, {$10.00} and {$18.00}, XX/XX/XXXX for {$41.00} and {$2.00}, and one for {$130.00} on XX/XX/XXXX. Disputes were filed on XX/XX/XXXX and XXXX but claim was denied and was never told why.

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 2024-01-20
Company: BANNER CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have contacted Banner Bank by phone XXXX times to close my account. The first time was on XX/XX/XXXX in which I as told I could close my account over the phone and a check would be issued. Instead hey issued a check and left it open. They then charged me a service and to administer an account hat should have been closed. I called again on XX/XX/XXXX and told them what happened and demanded that a manager personally contact m via email or phone to verify the account was closed. The bank has done nothing but reverse the device fee charge and left he account open. The reason I wanted to close it by phone is because I told the bank I was moving and the nearest branch was an almost XXXX hour rountrip drive. This is unethical business practice to keep accounts open against their wishes for almost XXXX  months

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