BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/23 I opened a new Citi Checking account that advertised a promotion for XXXX XXXX XXXX for XXXX XXXX. 
Below is a breakdown of what was offered. 
XXXX XXXX XXXX bonus miles of After completing the following within 90 days after account opening Qualifying Citibank Debit or ATM Card Purchases of Enhanced Direct Deposit XXXX {$1000.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$750.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$500.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more XXXX {$120.00} And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more On XXXX I completed the direct deposit requirement by depositing a total of {$1700.00} over two separate deposits from my paycheck. On XX/XX/23 I completed the debit card purchase of {$1000.00} by spending {$1000.00}. 
I've had Citi bank reps confirm I've met all requirements and should have received my award miles 30 days after completing the terms. This is confirmed by the Terms Of Service I received in an email from Citi that can be seen in the attached document CITI _ CITI XXXX. 
After not receiving my earned miles, I wrote to Citi to ask why they had not been credited, and received a letter from Citi stating that the terms were now different than had originally been advertised and that I wouldn't receive my award miles until at least 90 days after account opening, and could be as late as 30 days after the 90 days was reached. 
They are refusing to honor the terms of the promotion that was advertised and this is impacting my ability to plan a trip that was to use the awarded miles.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2019-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A check for escrow account over payment was issued by Bank of America, XX/XX/2019This check was sent to the wrong address and therefore never received.. When I became aware of this in XXXX I called the mortgage department of the bank and we clarified all information regarding mailing address and phone numbers. I was promised another check, which I have never received. Again in XXXX I called and spoke with the mortgage department we again verified all information and I was promised another check. Each time I was told they issued a stop payment and issued a new check. Again it was not received. After a couple of weeks I called again in XXXX and we went through the same process which ended in the same result. I called again XX/XX/2019, spoke with a supervisor and was promised a replacement check via overnight delivery and a phone call with a tracking number to be able to track the delivery. I did not receive either. I called again XX/XX/2019 to inquire about the overnight delivery. Again I spoke with a Supervisor, and after spending 40 minutes on the phone most of the time waiting I hung up and decided to complain. To date, XX/XX/2019 this issue has not been resolved. Each of these phone calls have taken at least 30 minutes of my time with no results and Bank of America holding on to {$760.00} for approximately 3 months. 

If you are able please resolve this for me.

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 2023-08-03
Company: Self Financial Inc.
State: IL
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:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX CONGRESS COLLECTION is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX, and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CONGRESS COLLECTION has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 

In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. 
CONGRESS COLLECTION has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CONGRESS COLLECTION has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CONGRESS COLLECTION fails to respond to my verification letter by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2022-12-26
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
XXXX I took a loan with XXXX in XXXX XXXX, {$15000.00} at 18 % interest. {$2800.00} was used to pay off a loan balance with XXXX that I took out XXXX for {$5900.00} at 20.918 % interest. 

The remaining {$12000.00} was used to pay off some smaller debt to position my husband and I for success. He had spent 17 months XXXX with the XXXX XXXX XXXX in XXXX and was having a hard time adjusting being back to civilian life. This loan helped us pay bills without too much financial stress while he took some time to heal from the death of his father during his XXXX. 

In XXXX, we unfortunately, separated and I moved out. He filed bankruptcy and I struggled to live day to day working full-time but not making ends meet. XXXX I contacted XXXX to share my XXXX and I was granted a loan modification. 

In XXXX XXXX bought my loan from XXXX. They also granted me a modification after jumping through all the hoops they asked me to jump through. 

Sometime between XXXX - XXXX my loan was bought by One Main Financial. Several times I contacted them questioning why after paying on the loan since XXXX was it not paid off. I had paying on this loan for 15 years! 15 years. 

In XXXX I requested a printout of what I have paid to date. From XXXX to XXXX the principal was decreased to {$10000.00}. I kept paying though. At some point in XXXX XXXX XXXX had removed the interest from the loan so I was just paying principal payment of {$110.00}. 

In XXXX I had enough. I stopped paying. Responsible me struggled with this decision. At the time my father was placed in a nursing home and was diagnosed with XXXX. It is my sole responsibility to make sure he was being cared for properly and being respected in his new living environment. I was overwhelmed and I gave up mentally and emotionally. 

I wish I would have filed this complaint before now. I have worked very hard to bring my XXXX XXXX up from the XXXX it was after leaving my ex-husband. I have paid back close to {$50000.00} for a {$15000.00} loan that wasn't even a mortgage. Help please. 

Thank you, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Kikoff Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an account with Kikoff. The agreement was for XXXX dollars a month for 12 months. I paid on time and completed the agreement. Since the time that I started the account, I have changed emails, phone numbers and I do not have access to the old Kikoff because when I was done I deleted the app. They continue to charge my bank account XXXX dollars which is XXXX dollars more than what I was paying before after I was done with the one year agreement.. I did not notice they were still charging my account until I switch banks, and Kikoff reported I was over 30 days late. I finished my 12 months XXXX dollars a month agreement and they continued the account after I completed it and increase the amount to XXXX dollars. It is not about the money I have money, but I had a perfect payment history for the last XXXX years of trying to build my credit and now I have a late payment 30 and 60 days more because I can not make a complaint with Kikoff directly because I no longer have access to my old phone email or app information and when you go on to their site to complain they want a account number for you to submit a ticket for a complaint. So I cant resolve it through them. I contacted the XXXX XXXX XXXX and Kikoff repeatedly sends the same that they are legally obligated to report the correct information and they are not responding to my particular situation. Theyre giving a generic response.. I dont see how they can charge me for being late when they kept the account going for longer than I agreed when I finish the one year and close the account. So I have no way of logging in for a complaint. I have no way of talking to a real person at Kikoff, and they have now made my credit go down for late payments when I had a perfect credit history for the last XXXX years. It is ridiculous that you can not reach anyone or do anything when you are locked out and have none of the same information you had when you open the account year or more prior. I would like them to remove this from my credit history because I have not missed any payments on any of my bills. I have a good income and I do not care about paying a little XXXX dollars a month but I do care about them, being con artist, and charging me after my account was complete. Without my knowledge I just did not realize it until I switch banks, and they no longer were able to take the money out without me realizing, somebody needs to stop this and I need this handled

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 2019-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with Bank of America. I deposited a check through the mobile app on XX/XX/XXXX.19 ( XXXX XXXX ), in which an immediate 7 day hold was placed. The bank was closed when I made this deposit due to the holiday. I called them on XXXX19 to inquire why there was a hold, where they told me to call back on XX/XX/XXXX.19 when the check had posted and they were able to look at the picture. When I spoke with them the morning of XX/XX/XXXX.19 they informed me that the bank the check was from is holding the funds and making them unavailable for 7 days. At this point I called the bank the check was issued from and they said that the funds had already been released and sent from the account the check was written from. I called Bank of America back and they now are telling me they are holding it for fraudulent activity and they are allowed to hold the funds for 10 days for that reason. So I have received 2 different answers and they wont inform me what fraudulent activity is causing the hold.

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 2023-12-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/XXXX I went online to sign up with XXXX, reputable dating site. Upon signing up and paying an introductory amount of {$19.00}, I noticed somehow I was redirected to another site. It appeared to be associated with XXXX so I proceeded on. At some point, the amount escalated to {$49.00} per month which included " ALL '' taxes and fees. Further, I noticed my account was being deluged with guys from all over the World. Upon notifying the company, I learned that in fact this was not the dating site for XXXX but a company called Date My Age, an XXXX site. Since I had already paid I remained on the site for {$49.00} which is comparable to other sites. Sometimes in XXXX, XXXX, by accident I found that this company had been making unauthorized charges in varying amounts ranging from $ XXXX {$390.00}, sometimes numerous debits in 1 day on consecutive days. The amount may be over {$10000.00} between XXXX. On or about XX/XX/XXXX, I reported this to my XXXX, Navy Federal Credit Union. They have done nothing but deny all my claims even though XXXX has refused to cooperate or even return the bank calls. I have provided the bank with numerous documents and photos for evidence which they have blatantly ignored to this date XX/XX/XXXX. XXXX is clearly a SCAM dating site XXXX FAKE PROFILES to entice people to spend a lot of money. They have an ANTI SCAM POLICY for refunds for FAKE PROFILES but they DO NOT honor it. Further, there are thousands of other people who have been Scammed by XXXX, whereby the company makes UNAUTHORIZED charges. Banks continue to allow XXXX to steal rather than protecting their own clients. I will be uploading additional documents as I get them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified public records listed below is still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX  XXXX Filed on XX/XX/2017 Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Westlake Services, LLC
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: Information belongs to someone else

Complaint:
I am an identity theft victim

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested My 2 credit reports with my ID and utility bill. I received a reply stating that my consumer report can not be furnished until I provided additional identifying information. I complied with the request and sent my driver 's license, social security card, and a utility bill ( electric ) and I received another reply asking for identifying information again. I have been requesting my 3 credit reports and I have yet to receive what is rightfully mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/ I sent my friend, the recipient of the money transfer, XXXX XXXX Dollars. When my friend attempted to pick-up the Money on XX/XX/XXXX, she was unable to receive it at all of the locations she attempted and was told that the amount sent could not be paid out because it exceeded the amount of money that a Moneygram location can payout in the Country of XXXX. There appears to be some sort of restriction that Moneygram denies, after several calls to Moneygram I was unsuccessful with getting any information and was told by multiple Moneygram representatives for the recipient to go to yet another location to receive the money. She went to all locations provided by Moneygram and each told her the same thing, that she can not receive the money because it exceeds their governmental restrictions for Moneygram in the country of XXXX. Moneygram is stating that the in country limit is XXXXXXXX XXXXXXXX dollars per transaction and Moneygram within the country of XXXX is stating that the limit is XXXX XXXX dollars per month per person. Furthermore many of the locations Moneygram said for her to go to do not exist and she wasted her time even though the location and address was provided to me and I to her by an official Moneygram representative.

This is a huge discrepancy and both the recipient and I are inconvenienced by the matter and are at a loss of how to either get the money in person in XXXX OR get the money back and receive a full refund of all fees for the transaction. I phoned in several times and was told that the money would be delayed in getting back to me and that they will not refund it. I was told once again to have her go to yet another location. 
Please assist me with my refund in the total amount of XXXX US Dollars back to my bank account with which Moneygram unfaithfully took my money transfer and did not pay out.

Regards, Moneygram Reference number : XXXX Thank you in advance for your kind assistance with this matter.

Company response to consumer: In progress
Consumer complaint received 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX  I received a notification that my credit score dropped XXXX points due to a 30-day missed payment. I have been a loyal customer of American Express for 4 years and have not missed a payment with the exception of this. This was a card that was not actively in use and was tied to a XXXX app that charged a {$6.00} charge. The payment was made immediately after seeing the credit drop and American Express stated that they can not assist in sending the Credit Bureau a letter to explain the situation. I would like to have this removed from the credit report as this was a one-time mistake and there should be leniency considering that a payment has not been missed in 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: TX
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were moved to NelNet as the provider. I opted into the " SAVE '' plan but the payments did not lower for me, so for the past month I have submitted requests on their website from my account to change my payment plan. The website has many options for self-serve, but all my requests go un-answered and never change. I try to call but receive messages for long wait times, and even when I wait, I get hung up on.

I need someone to contact me and actually help fix my Student Loan plan before my payment is due on XX/XX/2023.

Company response to consumer: Closed with explanation