BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: Monterey Financial Services LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I changed the amount of my payment in XX/XX/XXXX. I increased the auto pay so that I could pay off the loan early. I asked while on the phone that the extra money was to be applied to the principle. I paid a larger payment in XX/XX/XXXX and figured that the final payment would be taken the next month XX/XX/XXXX. The lender never applied any of the extra payments to the principle ever. Loan is paid off and the lender collected an extra XXXX in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened Citi Priority checking and savings account because of the Citi sign-on bonus promotion in XXXX. In XX/XX/XXXX I called Citi and they confirmed that I have met all the requirements for the bonus. 

Shortly after this call, the next time I checked my account online, my savings account no longer exists. Multiple calls ( about 15 of them ) led me to the fraud department with conflicting messages but ultimately told me that the account is blocked and that I can only " wit until the review is done '' for undetermined time. There is no supervisor or anyone with authority in any of the calls who can tell me the reason of the closure and a way to speed up the process because it is being processed by the " back office '' with no possible contact, even by the fraud department. During those calls, no one offered me to do any type of verification process which I believe is the only way to verify and unblock the account. 

At this point, not only I have lost access of my own money which I desperately need, I also have lost the opportunity to earn a higher interest on the money, not to mention the time I spent on the phone with Citi. In addition, because I am in need of the fund, the situation forced me to take a new loan which costs me interest/transaction fee. 

Other customers with similar complaints can be found here ( and also in XXXX  website ) : XXXX : XXXX? XXXX https : XXXX Update as of XX/XX/XXXX : I have made a complaint through XXXX  ( Complaint ID : XXXX ), and the responses from Citi have been very unprofessional and unsatisfactory : 1. The first response was to extend the response deadline for another 14 days.

2. The second response referred me to their original letter and instructions, which I clearly followed until I reached a dead end. This shows that they did not read the original complaint.

This seems like a fraud at two different levels : FALSE ADVERTISING and WRONGFUL ASSET FREEZING. Was the sign-on bonus jus
t a way for Citi to lure customers into putting money in their account, just to freeze it with no proper communication to the customers and with no proper process ( it has been 30+ days since the fund was blocked.

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 2018-08-29
Company: STERLING JEWELERS, INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX is reporting that i owe them XXXX for a account tht is not mines a rep called me the other day and stated that they had some one coming out to serve me with papers. Yes i  had a XXXX XXXX card that was closed out in good standing this account was open durning the time in which i already had an account so why open up another account.i wish to have this account removed they are reporting negative information on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: TN
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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Report XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX  XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXXXXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX  Account Number 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 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, On XX/XX/XXXX, I called Capital One about the annual fee of {$95.00} that had been charged to my account. It had just been charged on XX/XX/XXXX, and because I was not getting any value or usage from this card, I wanted to know my options for reversing this fee. I specifically mentioned that it was the fee that had already been charged that was my problem, not future annual fees. 

They recommended me the Capital One Venture XXXX card, which they said would have no fee. I accepted this, and received my card. Fast forward a few weeks, and I realize that the fee had never been reversed. 

XXXX XXXX XX/XX/XXXX XXXX, I called in to confirm when they were going to reverse my annual fee, and found out that they had no intention to. They said they would only not charge a fee going forward, but they were not going to revert the one that had just been charged. I spoke with a first-level representative and was transferred to the " highest level supervisor '' who said the same. I said that I felt this was extremely fraudulent and misleading, and was clear in my original request on XX/XX/XXXX. She said there was nothing she could do. I informed her that I had not used the card in months ( I checked, last time was a single charge in XX/XX/XXXX XXXX and that they had charged me and provided nothing. She essentially told me " too bad ''. I requested the supervisor 's name, XXXX, and her XXXX ID : XXXX. I also requested the agent Id of the representative I had spoken to when my card was changed, and she provided the agent ID : XXXX This feels extremely fraudulent to me and I am at a {$95.00} loss for absolutely nothing. I called in a very timely manner, as soon as I noticed the fee and clearly communicated what I wanted. I have not had such a misleading experience with any other bank or credit card company. I would appreciate the CFPB looking into this on my behalf. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I applied for XXXX  to pay for an online course, how ever, before I applied I called & asked them do they report to any of the credit bureaus. The XXXX rep. told me they only report if you are late on payments & when you pay off the loan. So I went ahead & proceeded with the loan, because I did NOT want another account on my credit to lower the score. I have been working really hard for the last 3 years to build my credit & Im extremely close to my goals. Once I received the loan, I called customer service again & asked about payments & again if they do any reporting, a different customer service associate said the exact same thing, they do not report to any credit bureaus. Then on XX/XX/2023 my sore drops on Experian & I see an XXXX account report on my Experian Credit report. I was furious, this dropped my score XXXX points which is a big deal when your are building to buy a home & new car. I then called XXXX  customer service again & The customer service rep. said it must been an error because we only report if you are late on your loan payments & when you pay off your loan, same as the last 2 customer service reps. she transfers me to a manager & the manager says " SOMETIMES '' WE REPORT, " SOMETIMES '' WOW!!! I was like why would I be misinformed 3 times!! & then I get an email that these terms are in my contract, which of course I never seen!! Im disappointed with Affirms customer service associates & the lack of knowledge & their customer service period, I waited so long on hold each time I had to call, all to get LIED TO!! They could of just not reported this loan on my Experian credit report like I was promised, & NOT GAVE ME THE " SOMETIMES '' OF REPORTING! They are unprofessional & need to stop lying to customers! This false info. is hurting my chances of future credit for a home & new car that I desperately need. & XXXX needs to take the XXXX account off my Experian credit! So far I made 2 on time payments, I have shown I'm responsible & credit worthy! I HAVE NO LATE PAYMENTS OR ANY NEGATIVITY ON ANY OF MY CREDIT REPORTS! THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is illegal and should not be reporting on my credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive daily text message from this phone number. They are sending me texts without my consent. I keep blocking the number but I still receive them. The text messages say : Please contact Radius Global Solutions LLC at XXXX Regarding Reference # XXXX Important Rights : rad-gs.info Txt STOP to End texts

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-11-26
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
To confirm this is to/for XXXX XXXX XXXX Vehicle was totalled. XXXX made the last payment. XXXX was slow to pay. I was effected by a natural disaster. XXXX said they were slow to pay because there were not enough adjusters in Texas. The last payment was late because of XXXX. Please correct the last payment as on time, as it was made by a third party, and not under my control. Had I made the payment, there would have been an over payment. Please correct last payment to read as on time. Also XXXX  shows no late payments. Please correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a land release we did everything they ask for ten months and come down to the last minute they called us and said they can't find any inspection close to us so they wouldnt do it and now they won't even talk to us .they are mad that we won't refinance are home we are at XXXX percent and they are giving us the runaround on the land release now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: OH
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 with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

-any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.

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 2021-02-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX have inherit my mother 's home and I am in a present process of a Probate process in which I need more time to get a final approval of the court, My lender included me as the XXXX XXXX XXXX XXXX but needed a Grant Deed under my name which I needed to get a Probate. I have been in a great difficulty to pay my mortgage payments due to hardship, first my mother XXXX XXXX decease and I was placed into financial, emotional stress, XXXX and medical problems for several months, my only income my XXXX funds and was counting with extra income from my roommates but suddently the stopped helping to pay my mortgage because they lost their jobs due to Covid-19 .and had to go thru evictions that I was not able to file because tenants had Moratorium to stop paying rent due to Covid but finally they left my house in XXXX XXXX I finally have started to rent again to be able to get back in my feet. I am just asking for more time to get my Probate finalized and able to request for a Modification, I need help from my Lender and any Institution that can be able to help me with my situation. I have no where to go and I hoping to be able to get a Moratorium extension on my case. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: HI
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:
There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX BANK XXXX XXXX Balance Owed : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: PA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 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
Consumer complaint received 2020-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Account was closed without warning, all rewards were forfeited.

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