BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018, I paid my minimum balance of {$90.00} on my credit card. At that time, I had a live chat with a representative of that company, I also have a promotional balance of {$920.00} on this account. It is due to expire on XX/XX/2018. I asked if I could pay {$300.00} on that balance, he said yes I could, but then he sent me a message saying they couldnt guarantee that it would be applied correctly. I was appalled by this response. I told him I would not pay online, but that I would pay by mail with a letter attached. Please see following copy of letter : XX/XX/2018 My Best Buy Visa Card XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX XXXX Credit Card No. XXXX XXXX XXXX XXXX PROMOTIONAL BALANCE OF {$920.00} To whom it may concern, Please find enclosed my check number XXXX in the amount of {$300.00}. This {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. 
These funds are in no way to be applied to any other balance, but the promotional balance. 

Again, Check # XXXX in the amount of {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. These funds are not to be applied to any other balance under this credit card number. 
If these funds are applied to the incorrect balance, I will take the matter up with the proper authorities. 

Sincerely, XXXX XXXX XXXX XXXX also made that notation on my check. I repeated this request no less than 3 times in the letter and it is noted on my check twice. They have cashed my check, and nothing was applied to the promotional balance. I feel as if this a scam and that they are trying their best to make me pay interest on a balance that was to be interest free. I sent them another message today and the only response I have received is that they are reviewing. I can not believe that they havent applied this check in the correct manner. Is there anything you can do to assist me? I have a couple of additional payments that need to be applied and I really do not want to have to do this each time I make a payment.

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 2019-05-10
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I'm filing a complaint against Freedom Mortgage, they made me missed my closing on my house 3 times because of the previous complaint I filed against Freedom Mortgage. 
I ordered a final payout statement from them 3 times and pays {$30.00} three times I called them at least 12 times but still don't have the payout statement. 
Could someone please help me? 
Thanks

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 2019-05-10
Company: DCI Credit Services, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This third party collection agency reporting this debt to credit bureaus, and incurring interest claiming that if I dont pay them it prevents me from borrowing money from other lenders, and competing in the global economy which is extortion and racketeering and has rendered me to being XXXX with no way to climb out of this debt, and failed to provide me with the legal statues proving that they can legally charge interest on a medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My previous complaint Wells Fargo stated they did everything correctly, I disagreed with their investigation, but also they say that the appraiser they hired from another County was incompetent in his appraisal of my home, they told me he is a third party contractor and they can't refund my {$460.00} I had to pay up front to get a fake locked in rate. I didn't hire the appraiser, Wells Fargo did. I don't feel I have an obligation to pay someone they hired and could have colluded with to ensure I pay a hight interest rate

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 2018-03-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charge of {$89.00} appeared on my Citicard statement during XXXX, XXXX for a jar of women 's face cream which was not purchased or received. I immediately contested the charge by calling Citicard customer service which indicated that Citicard was aware of the face cream company ( name unknown ) making fraudulent charges. The Citicard rep said she would reverse the charge and suggested closing the card to prevent further unauthorized charges, which I did. While recently applying for a mortgage re-financing, a banking officer informed me that my FICO score had dropped from XXXX to XXXX due to a delinquent balance of {$190.00} owed to Citicard. Further research determined that the delinquent balance was comprised of the fraudulent face cream charge of {$89.00}, plus Citicard penalties and interest. Corresponded with Citicard on XX/XX/XXXX to dispute the charges, but have received no reply to date. Have also copied XXXX XXXX, and XXXX on my correspondence to Citicard.

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 2019-05-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : After changing " Bill Pay '' with my financial institution I received another form letter from XXXX XXXX Senior V.P. Wells Fargo Home Lending raising again my mortgage from {$1500.00} to {$2000.00} due XX/XX/2019 Perhaps if to those to whom she delegated would resolve matter explained to them and advised to contact XXXX XXXX XXXX County Auditor 's Office @ XXXX XXXX for further info First, one amount then followed up with higher amount! Wells Fargo does not have its clients in mind other problems I have had with their Dealer Services. 
Please be advise other complaint on file sorry for any inconvenience. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, S.C. 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 2017-11-18
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX ( Advance America ), called my home several times after I told them not to. After they communicated with me they still called my references upsetting them. I have talked to several of their agents and one in particular told me I did not have any family and friends when I told him not to call them. They also insulted me and harassed me. They told my mother that they were going to send a sheriff over to my home in 20 minutes if I did not make a payment. My mother contacted the local police who told her if anyone came to the house they were be arrested.I have told this company to stop called and they kept on calling me. Me and my family do not deserve to be harassed or talked to like this company did. Once again I offered to make payment arrangements once I started my job in a week and they said they needed a payment right away. I still blame Advance America.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Adelante, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my credit report back in XX/XX/2021 and realized that there was a collection account from Account Services on my credit report. I mailed them a certified letter # XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 and have yet to obtain a response from the company. I called their customer service # today and spoke with XXXX XXXX who stated that this bill is still owing ; however, I do not recall obtaining the services. I am requesting again, as stated in my letter dated back in XX/XX/2021, ( that I still have not received a response from ) some sort of documentation that this debt belongs to 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 explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: ONEMAIN FINANCE 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: Sent card you never applied for

Complaint:
Getting too many credit companies trying to open things in my name and another person who is not myself ' name. 

I own a place that I rent to a tenant and I got several applications for credit cards in the name of XXXX XXXX. I believe this is a fraud and it will keep happening if not addressed. 

I have contacted the credit companies that are sending information to this address but want to let you know about this.These companies were XXXX XXXX, One Main Financial, and XXXX all w/ my address and XXXX XXXX 's name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: General Motors Financial Company, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
At the end of XX/XX/XXXX I chose to finance my current leased vehicle that I was leasing through GM Financial. My XXXX payment went through in addition to the payoff sent from my dealership. This caused an overpayment of {$500.00}. It has been a horrible experience trying to get the {$500.00} refunded back to me. Every time I call into customer service I get told a different story. Last Monday I was told that the check was cut on XX/XX/XXXX and that I should receive the check by the end of the following week. When I called this past Friday inquiring about the check, I was told that they were still waiting on final approval for the refund and that it could be the end of XX/XX/XXXX when I could receive the check. I do not understand why this process is taking so long as I have received the letter in the mail from GM Financial over a month ago congratulating me for paying off my lease. The company does not get to just keep overpayments. I just want my overpayment to be sent to me so that I can close this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been paying for identity theft protection through Experian for over a year. When I called, on multiple occasions to utilize their services, they RE-route me to regular customer service and refuse to help or let me speak with a supervisor. I have submitted documents from the FTC to have items removed from my experian credit report through mail and their portal. They will request additional identification with a ticket number but when I submit the documents they immediately close the file. I have never spoken with someone who is willing or able to assist me with the device I have paid fora for have been fighting to have these items removed by myself even though I am paying for this service.

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 2017-11-18
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The last call took place on Thursday XX/XX/17 but they call at least once per week. The company is listed as EOS CCA ( https : //www.eos-cca.com/ ) and their phone number is listed as XXXX. I am not sure what they are calling about as they call during the day when no one is home. I had planned on reaching out to them on Monday ( XX/XX/17 ) to find out what is going on as we should not have any debt remaining. After XXXX their number, I found out several sites that mention them as scam callers. I would just like to get this matter resolved. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: FL
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:
Numerous times i have disputed with Experian about these student loan accounts. They have failed everytime to provide me with proof of verification. They have not provided me with an answer well over the 30 days. US dept of education was reported to my credit report 3 times. Each 3 have different balance amounts. All 3 accounts say they were open XX/XX/2011. These accounts has been on my report for 10 years and 7 months. Everything about this situation is not right. These accounts has been on my credit report for over 10 years. This is a automatic removal. All 3 accounts shows 3 different balance amounts. This is a automatic removal because this is inaccurate reporting, and because the same account has been reported 3 times. this goes against the fair credit reporting act 100 %. And Experian knows this. And still refuses to removal, or they are simply ignoring this matter.

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 2019-05-10
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had opened Citi Regular checking account with a promotion of Cash back {$200.00} offer. Terms and conditions were that I need to deposit $ XXXX within 15 days and keep it there for at least 90 days and after that I will get the {$200.00} bonus. 
I have been following up with Citi regarding this. It's such a large bank and full of inefficient employees that i keep on getting different answer. 
Today i called over the phone and the gentlemen told me that I will be getting the {$200.00} cash bonus by XXXX XX/XX/2019. 
While on the chat XXXX told me that i don't have the cash back promotion at the very first place. 
This is ridiculous.

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 2018-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX, XXXX. XXXX XXXX, XXXX, Georgia XXXX Experian, XXXX. XXXX XXXX, XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, California XXXX I recently pulled a copy of my credit report and noticed the following information is in error : 1 EXPERIAN - PULLED ON : XX/XX/XXXX *** NO RECORD FOUND *** IT SHOWS NORECORD FOUND 2 XXXX - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX NAME : XXXX XXXX NAME : DOB : XX/XX/XXXX SSN : XXXX MY SS NUMBER IS WRONG PLEASE FIX 3 XXXX  - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX THIS IS NOT CORRECT I BEEN LIVING IN THIS ADRESS FOR MORE THEN 3 YEARS NAME : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX XXXX REPORTED XX/XX/XXXX I I lived at these addresses. Since XX/XX/XXXX Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, PLEASE UPDATE MY PHONE NUMBER XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-03-16
Company: Experian Information Solutions Inc.
State: VA
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:
Hello : Experian is violating my consumer rights. 
I contacted Experian regaring 2 inquiries, XX/XX/17 XXXX & XX/XX/17 XXXX both were unknown, unauthroized, and no permissible. I contacted the creditors they have no info, no validity and could not provide proof and referred me back to Experian the bureau. Ive done that and have been failed. 
Contacted experian regarding an inacurrate, inavlid, unverified public record displayed on my credit profile. this too is specious. 
I suppled source data info and experian still did not correct the issue. please do.

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 2021-09-17
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I often make purchases on behalf of other people ( including minors ) and have had unsolicited pre-paid debit cards arrive at my personal address. It appears this company is taking Order names and pairing it with the billing address to send pre-paid debit cards that can be activated with a phone call. 

I have called to get to the bottom of the issue but have not been able to speak to a representative. The automated phone service asks you to enter the card number to remove yourself from their list, but after reading the feedback on this company I do not trust their system. 

I am not the child guardian, so I can not run a credit check to ensure it is tack from this scheme Netspend is running. The document they send and card all look real - I am just happy it went to my address instead of the minor. She cant even open a checking account at a BANK! The practice by this company is shady.

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