BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: FL
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/XXXX, I opened new checking and savings accounts with Citibank utilizing a promotion which was mailed to my home. The new account promotion was for a {$400.00} cash bonus after meeting certain deposit requirements. Despite meeting these requirements, the bonus was never paid. 

On XX/XX/XXXX I contacted Citibank to resolve the situation. The representative I spoke to did confirm that the promotion was applied to my account and that I met the deposit requirements. What Citibank claims, though, is that I transferred funds into an ineligible savings account that meant I did not hold the funds in an eligible account long enough. Their terms, however, state that the funds must be held in a Citi savings account ( which my savings account with Citibank obviously is ). Their claim is that the following terms... 

" Eligible Savings Accounts '' are limited to new or existing Citi Savings Accounts in any package where the Eligible Customer is a signer. 

... refers to a specific savings product, and that I did not open a " Citi savings account '' because I opened a " Citi accelerate savings account ''. It adds additional confusion that they refer to their eligible checking accounts in the singular ( i.e. a " Citibank Account '' ) vs. plural for " Citi Savings Accounts '', further leading one to believe " Citi Savings Accounts '' refers to a group of products and not a specific one. 

While I can appreciate that perhaps Citibank would like customers to open a particular savings product, the language they used was clearly ambiguous if that was their intention. I believe any consumer would interpret the wording to mean any savings account that Citibank offers. If Citibank wishes to limit what products are eligible for the purpose of denying advertised promotions, they need to have clearer language and/or title their products with generic names which do not have multiple interpretations.

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 2019-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent more than 3 notices through Consumer Federal Protection Bureau complaints on Portfolio Recovery Services on multiple accounts that were reported to my credit report illegally. The have violated many Fair Credit Reporting Act and Fair Debt Collections Laws and have destroyed my credit. 
Over the last year I have requested documents required by Law and they have ignored them and said they never received them even though there are records showing this from previous complaints on record by the Consumer Federal Protection Bureau. These files show they indeed have received my disputes and complaints. 
They have exhausted more than the 30 day time frame to allowed by Federal Law to provide all required documents needed to prove this debt is valid- I dispute this debt again. I have no records of this amount they are trying to collect and neither do they. 
Portfolio Recovery has a history of forging documents and stalling saying they have never received any disputes. I have records for fake Dunning Letters and Statements they provide that does not show the full detail of the accounts and due to this they have removed 3 other accounts that I have had the same issue of them proving the debt is actually owed. I am requesting they do the same and release and remove this account from all credit reporting agencies immediately. 
I have also disputed this account with the credit bureaus and Portfolio Recovery reports this account as verified just like they did with the others but have since removed them. One of which is listed in the most recent complaint XXXX-XXXX submitted on XX/XX/2018 but this account # XXXX was not. 

Portfolio Recovery is using Harrasement and Unfair Collections to collect this debt according to the Federal Debt Collection Practices Laws. I have included the numbers and dates of previous complaints that show that my notice of DISPUTES have been dismissed by this company and the claims unfounded. 

Compaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 Compaint # XXXX Submitted to the CFPB on XX/XX/2018 Complaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 -Did not provide copies of any validation or verification -Continues to reply PRA has no record of a request or dispute being received in relation to its initial notification letters. 
-Never sent Dunning Letter but reported to my credit report- No proof of letter every being sent -Can not prove the amount owed is valid or owed- or accounting of amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently made a final payment on a Home Mortgage through BB & T / XXXX XX/XX/2021. I was advised that the Bank would issue a check for the amount I had in escrow within 20 business days in the amount of {$1900.00}. On XX/XX/2021 I still have not received my money. I called their customer service number and spoke with XXXX who would not assist me. I repeatedly asked for a Supervisor and was placed on hold for 35 minutes before being disconnected. I called back and spoke to XXXX who stated they would not do anything until after XX/XX/2021. The bank stated they issued a check on XX/XX/2021 and if I had not received it yet that it was probably due to COVID. 
This is my money, not the Banks. If I were late on a payment to them they charge LARGE fees, HOWEVER they can hold my money hostage and nothing happens to them. The Bank should be paying me interest and a late fee for being unprofessional and inept. 
I was NEVER late on my loan but yet they can not issue a check immediately or wire me the money. This is wrong.

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 2020-04-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was sold to NewRez/Shellpoint 5 months ago. I am currently trying to refinance with another mortgage company while the interest rates are low. I have been requesting from NewRez/Shellpoint Mortgage, for 14 days, a payoff of my mortgage. I have emailed them twice, I have requested the payoff online many times, I have called and spoke to a representative on XX/XX/XXXX and XX/XX/XXXX and left a message for her today. She can not tell me why I cant get a payoff. She gave me her direct line. Although very kind she doesn't appear to be able to help me. I have told her I need this by Thursday XX/XX/XXXX for closing. She has my email and phone number but isn't calling me ... probably because she doesn't have any information. This has been extremely frustrating. My new rate is only good for a few more days and if I miss out on this lower interest rate because of NewRez and their incompetence I will be extremely angry. 

XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. My Driver License, SSN Card, and Proof of Residence has been mailed in for proof. I should only have one name, address, phone number and employer in each section. Please have them update my information.

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 2021-10-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
My balance of {$15000.00} was set up to automatically be drafted ( ACH ) on the due date of XX/XX/2021. The USAA ( United States Automobile Association ) statement said it was drafted on XX/XX/2021 and a note which said, " Thank you for the payment, {$15000.00}. '' I checked my credit union XXXX  XXXX XXXX XXXX XXXX ( XXXX ). The XXXX statement said the fund of {$15000.00} was drafted to USAA at XXXX XXXX  XX/XX/2021. I tried to charge the remaining balance for our grandkids XXXX trip with AAA, but the charges were denied. I called USAA at around XXXX XXXX  on XX/XX/2021. I went through a maze of phone transfers and speaking which took over 1.5 hours. Finally, I talked with XXXX who consistently talked over me, and she would not let me complete my sentence. She informed me that there was nothing she can do to release the fund payment hold until XX/XX/2021 which is over 7 days. In this high speed electronics age, USAA 's system is antiquated. I believe that this is an unfair business practice. I would like to know if this is a part of federal regulation/statute/CFR/Act or just USAA policy. Thank you. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received letter shipped by standard mail, dated XX/XX/2019. Letter is from XXXX, XXXX and XXXX, XXXX, stating that they are attorneys for XXXX XXXX XXXX. Such firm is stating that they are trying to collect a balance of XXXX owed originally to Capital One, N.A. 
The letter states that unless I dispute the validity of the debtwithin 30 days after its receipt, it will be assumed that the debt is valid. 

Collection Agency : XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. For the second time, after submitting documentation certifying continuing public service, I have been credited with far fewer months of qualifying service than is correct. I have been a XXXX XXXX   continuously since XX/XX/2013. I have been paying my loans with XXXX and then with fedloan servicing since just after that day. I have made as many as 53 payments to all applicable loans. I have made, because of an unwanted forbearance, as few as 49-50 payment, but no less than that. Despite qualifying employment dates being correct, I have inexplicably been credited with 11 qualifying payments for one loan and 12 for another loan. Of course, I make a lump sum payment every month so the number of qualifying payments must be equal ( and much, much greater ). 

2. Once again, I have been entered into a Forbearance against my will. I have inexplicably been entered into a " Disaster Forbearance '' after having neither requested one nor experienced any sort of Disaster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
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: Investigation took more than 30 days

Complaint:
Sent disputes out to Equifax and they have taken longer than 30 days to respond to my dispute. I am attaching the receipts of certified letter which shows they received my dispute on XX/XX/XXXX and they did not start investigation until XX/XX/XXXX. They are in direct violation of the timeline to complete a dispute in the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been having the hardest problem dealing with someone using my personal information to open accounts in my name without my consent. I've filed police reports and FTC report trying to clear my name but i'm not having much luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.

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 2021-10-21
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A cash app transaction occurred without my knowledge, I was not aware of it until I checked by online banking account and noticed a charge. Went to the app for cash app and noticed it. I clicked on transaction and report as Freud. The transaction came back and said it would not be posted to any accounts. I waited to see if the transaction would drop off of my bank account and noticed it posted. I reached out to cash app and followed there instructions and they denied my request several times. I've attaching screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I contacted PNC bank after I received their letter and was told they were ending their relationship with this insurance company so they were canceling my coverage. THis is nine years into a 12 year agreement. The only option they gave me is to contact the insurance company and try to obtain this coverage myself. I have paid for this insurance for nine years and it is a part of my original loan agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX, experion and the rest of there little circle of credit personal tarnish and make sure i can't succeed in life

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 2021-10-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CONSERVE TRYING TO COLLECTING MONEY FROM ME. I SEND LETTERS AND EMAIL TO THEM STATE THAT I DIDNT responsible FOR THE DEBT. THEY DIDNT REPLY, DIDNT CONTACT ME ABOUT IT. JUST REPORT IT TO XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

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 XXXX 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 2020-04-28
Company: Experian Information Solutions 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : EXPERIAN REPORT NUMBER : Report Number : XXXX XXXX  Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX  XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach ( XXXX  XXXX data breach ). i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

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 2021-07-10
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I entered a consumer credit transaction with WELLS FARGO AUTO and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are now claiming that they originated the credit I extended to them, in which I submitted a {$1000.00} down payment, my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that WELLS FARGO AUTO claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. WELLS FARGO AUTO has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving 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 2020-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A person named XXXX XXXX called XXXX XXXX, XXXX at XXXX PST and left a voice message that he was representing a company named Legal Claim Services with the County of XXXX  regarding a judgement that is in process filed by XXXX XXXX  XXXX XXXX He mentioned he would be dropping off legal documentation next Thursday, XX/XX/XXXX and that I needed to call XXXX XXXX at XXXX. I called her and she said my wife, XXXX owed {$12000.00} to XXXX XXXX XXXX  Master Card that defaulted in XXXX and that the company had filed a judgement within the 3 year period allowed. When I asked her for specific debt information she told me XXXX and hung up. I called back and she hung up again. I called a third time and she said if I was not interested in making a payment arrangement she had nothing more to say. I again asked for creditor information and she said she didn't have to provide specifics and called me a " liar '' and a " cheat '' and hung up again.

Company response to consumer: Closed with explanation