BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened Citibank credit card with best buy, i purchased a computer that I never received, best buy told me if was delivered but i never received the item, it was ether stolen or delivered to the wrong address, they told me they contacted the shipping compony and that they have proof of delivery, and they denied replacement item, they told me to contact my local police department for theft claims, at the point i called the XXXX bank and filed dispute # XXXX on the XX/XX/XXXX they told me that XXXX has 30 days to respond and if they don't respond then it will be ruled in my favor, I called 31 days latter XX/XX/XXXX, they had nothing from merchant, told me that they have another 30 days to respond ( that is not a true statement ) then I called week latter they told me that investigators need to rule on disunion and they will notify me, i called XX/XX/XXXX they told me that they got something form best buy and they with in time frame and they will investigate, and it will take up to 60-90 total they got something from best buy on XX/XX/XXXX and that passed 30 days then they told me its from the day best buy received the docs ( XX/XX/XXXX ) so 30day would expire on XX/XX/XXXX but then they told its 30 Business Days i asked them to email me where they coming up with these time frames and they told me they cant and i should have it in term and agreements brochure, they wont provide the copy, in regards of what best buy is saying that they have proof of delivery is a note from the delivery driver ( note that says left at the door ) delivery compony has a policy to get a signature for amount over {$1000.00} but shipping compony told me that best buy never notified them that its a expensive item, so no one is taking responsibility. I'm trying to resolve it but these 3 monsters compony against one me and they are pointing figures at each other and one is helping. not I'm stuck paying {$1500.00} for something i don't even have. please help

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 2020-06-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
bought a pool and used my visa credit card to purchase a swimming pool. They sent me a confirmation email that i still have. When i went on thier website I did not see my purchase or nothing about payment recieved. Then I tried to cancle the paypal profile and they wont let me do so. The amount in the paypal account was XXXX cents and they say i have a negative balance and can not close account. I DO NOT HAVE ANY OTHER BALANCE OTHER THAN XXXX CENTS. I WANT ACCOUNT CLOSED!! I also recieved confirmation from XXXX. That company did not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX, and Wells Fargo Card. The Account Opened is XXXX XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : { {$9400.00} } .00 }. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-08-19
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received letter dated XX/XX/XXXX stating my account was closed. Stated possible reason ( s ) account was closed were Low Payments, Insufficient Time Since Account Was Opened, High Utilization On Account or Delinquency In Last 6 Months. None of those factors applied to my account. I made the REQUIRED payments per the billing statements. I did just open the account in XXXX of XXXX but had used the card frequently for home improvement projects. I also paid off the original entire balance we put on it. At the time of closure, I had more credit available than I owed, so I am not sure high utilization applies here. Not to mention, I was never late on a payment. When I reached out to customer service, I was told it was a Credit Bureau decision, but in the XXXX response to my XXXX  complaint it was stated the decision was based on an overview of my account and not my credit file. I also filed a XXXX  complaint requesting specific details/documentation/dates showing exactly what was used to come to that decision. Not only did Synchrony not provide details or specifics, they did not even respond to the original XXXX  complaint by the deadline. They responded 6 days later! Their response was scripted, generic and ambiguous and felt more like they were deflecting and making excuses. I informed the XXXX that I did not accept the response and again requested detailed information and specific events that led to the decision. In the rebuttal from Synchrony, it was more scripted, generic information. All I ask is specific details ; what threw up the red flags to close my account. I also feel that the reasons outlined are false, basically bold face lies and I think as a consumer I deserve the company to act professionally and provide me with the requested information. It is concerning that all I get is generic, scripted responses and the company seems to have no accountability. I do not want to re-open the account or anythingI just want the truththe facts! If I can not be provided details, it lends itself that Synchrony is acting in a fraudulent manner.

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 2021-04-06
Company: ACIMA CREDIT, LLC
State: TX
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:
I had a late payment on an account and I called to settle the situation, and even after paying the loan, they still report it as a late payment even though Im on track

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I did not receive written communication from LVN funding regarding attempt to collect a debt from the XXXX XXXX Credit Card account. The account was reported to the credit bureau on XX/XX/2017 the amount {$290.00} has been paid off and LVN funding will not remove the charge off from the credit bureaus. I have contacted the company by phone and a supervisor stated the company could not delete the remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: MA
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:
Good morning & happy Saturday! - How are you doing? I was shocked today when I reviewed my credit report today and found late payment remarks for my 10-15 student loan for XXXX. I've already disputed these accounts and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate - These accounts are illegally reporting on my credit report or profile. For example, hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still  reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly by cfpb before. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2019-01-22
Company: PNC Bank N.A.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
PNC misled me into believing that I was receiving a 0.25 % interest discount on my outstanding loan balance for setting up an ACH and having the monthly payment deducted automatically. On more than one occasion over the past few years ( XX/XX/XXXX through XX/XX/XXXX ) I was told that I was getting the discount. During a recent inquiry, I was told that I was not getting the discount. This occurred in XX/XX/XXXX on a call to the PNC customer service center and again on XX/XX/XXXX by XXXX XXXX in a separate call. I filed a complaint with PNC. # XXXX  on XX/XX/XXXX and was told I would get a response within 10 days. On XX/XX/XXXX I followed up with PNC because I had not received a response and I spoke with XXXX XXXX in the escalation team who set out to research the issue. I was told on XX/XX/XXXX that the contract we signed in XX/XX/XXXX was tied to a specific checking account and the ACH had to come from that account in order for me to get the discount.

So here is where I was misled. First, for background, we renewed our line of credit in XX/XX/XXXX and continued to pay down the existing balance. When the balance was XXXX, we determined that we did not need the checking account and it was closed in XX/XX/XXXX. On XX/XX/XXXX, we needed to access funds from the line of credit. I visited the PNC branch on XXXX XXXX XXXX in XXXX Ohio to inquire about the ACH and discount. I was told by the banker that an ACH from any checking account would qualify me for the discount so I set up the ACH at that visit using my current primary checking account. I trusted that the banker knew PNCs policy with regards to the discount and would not mislead me into thinking I would get the discount if I would not get it. Also, since the previous checking account was closed there was no way for me to get the discount unless we modified the existing agreement which I was not given the opportunity to do. Furthermore, I should not have been consistently lied to when I inquired about the discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Home Depot card Impacted credit score negatively, card has a promotional period then deferred interest. They charged {$700.00} interest and now my balance is up to over {$1000.00} dollars.

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 2020-06-25
Company: Navient Solutions, LLC.
State: TX
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:
To Whom it May Concern, I have been dealing with this issue with Navient since 2013. I am a recipient of the XXXX LRP program. I filed a complain with you ( XXXX ) regarding the reapplication of my LRP benefits. I have since received a report and I am far from pleased. What I asked for was the payments to be applied to the principal and interests for loan 1, 2 and 3. This should leave a balance of XXXX  based on my calculation and anything extra should role over to loan 4. I was disgustingly shocked by the report received from Navient. Now I understand why roughly a million students default on their student loans every year. The Principals for loan 1, 2, 3 and 4 are as follows : {$13000.00}, {$14000.00}, {$10000.00}, and {$16000.00}. According to the report received, the principal balances reflect the following in the same order : {$15000.00}, {$16000.00}, {$12000.00}, and {$19000.00}. As you can see this is a huge difference from the principal Navient is showing on their website. These figures do not include the interest accrued of the years prior ( since XXXX ). I was expecting to wipe out the total balances of loans 1 to 3 and may have extra money remaining to pay some of loan 4. This issue is becoming too much for me and my family. I want to get this behind me. I have been cheated. My father is very much incapable of repaying these loans and my sister and I want to pay them in it's entirety. He can not keep a steady job and the monthly payments for all these loans are equivalent to more than his monthly salary. At this point, I am more interested in coming to a settlement. I am willing to pay Navient {$45000.00} in 120 days. This is all the money I have in my 401K, savings and I will sell my car and some of my furnitures. I want to get this behind me. I have a history of mental illness. With the pandemic and all that is taking place in this world, I need to put Navient behind me for my sanity sake. There are so many layers to this insanity that I am no longer willing to entertain. I was to hear a balance of $ XXXX $ XXXX after the payments are recalculated. Nothing about this is right. Please take the settlement and allow me to move on from this. A this point in time I am exhausted. I am medically retired from the military and is dealing issues related to my illness and medical care. I can not take this nonsense. I do not understand what is going on and I am exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, 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:
Over a year ago, based on publicity about credit information being freely given out, I put a freeze on my credit reports. 

On XX/XX/2020 I wanted to delete the freeze in order to conduct business with a bank and was able to do so with XXXX and XXXX. However I could not do so with Equifax. I tried to do this on line but could not recall my password so I asked for password reset ; although the computer advised that an email was sent to me, no email was received ( after 3 attempts ). Therefore, I could not complete this process on line. 

I called Equifax and answered a number of questions asked by a computer voice and then spoke with an agent and again gave my information and answered questions. I was then told that I could not remove the freeze unless I mailed in a request along with a copy of a photo ID. 

I do not know why Equifax has a problem. Their refusal to lift the freeze without a mailed request and, I am sure, a significant delay, jeopardizes my opportunity to have an entity check my credit and conduct business with me. I have never asked Equifax to collect information on me and now they refuse to use their collection to my advantage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: SC
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/ 2020 I've sent a letter to Experian requesting a description of the procedure used to determine the accuracy and completeness of the information ( Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ) ) because multiple accounts on my credit file showing incorrect information. 
Experian has not honored my request and instead replied with a statement that my claim will not be investigated. 
It is a clear FCRA violation.

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 2019-01-22
Company: Volvo Car Financial Services U.S., LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Volvo had the incorrect contact info on my account that they input on their side. Phone number was wrong by 1 digit. They did not withdraw the funds from my account correctly and were unable to reach me because of this. I was sent a letter in the mail that stated that my auto-pay was setup and should have withdrawn funds on XX/XX/XXXX fpr {$560.00}. This did not occur until XX/XX/XXXX. They are stating that someone was update don my account that they can not verify. Because they input my phone number wrong on their side should not be my fault that they could not reach me correctly. I did not receive one email or phone number from Volvo stating that my account was past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for the a Capital One 360 Money Market account with offer code XXXX for a {$500.00} account bonus. I deposited the required amount between XX/XX/XXXX and XX/XX/XXXX. Capital One 's fine print states that they will deposit the bonus within 60 days. I have still not gotten the bonus as of XX/XX/XXXX. I called on XX/XX/XXXX and was told that I must maintain the required deposit amount as a balance. No where is that stated on the original offer yet the CSRs kept telling that is a requirement. Capital One is not honoring their sign up bonus by retroactively adding terms. Attached is the full page of original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX my credit card with Capital One was in a {$780.00} state of closer so I called to make arrangements which was towards the end of XXXX of that same year. So I began to make payments to lower my card debited amount. I'd noticed that I also needed to cut down on my uses of the card which I'd done that also. I began to increase my payments, here I'm thinking that doing such would lower the amount of the balance, but it didn't, it just seems like this balance was getting longer to pay off. After staying up until XXXX XXXX on XX/XX/XXXX this morning and adding up what I've paid into this account with the {$280.00} that shows on my new balance will total to be {$1400.00} in a 9 months span. I know what my interests rate is and this rate that I'm being charged is more than what I agreed to. XXXX the costumer service rep. that I'd spoke with this afternoon @ Capital One claims that what I owe is {$480.00} which is a big conflict in what I have received and what she's claiming that I owe which is ridiculous. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Nelnet, Inc.
State: NC
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:
I notified Netnet in XX/XX/XXXX that I was entering into Chapter XXXX bankruptcy. My lawyer also included Nelnet in bankruptcy. Per Nelnet Legal Department and website account my student loans will deferred to XX/XX/XXXX. My bankruptcy was completed in XX/XX/XXXX. Nelnet took the deferment off my account after the bankruptcy ended. I did notknow the deferment was removed from my account and Nelnet near sent me a statement for payment. I ran a credit report and I noticed that Nelnet had reactivated my account. My credit report states I have 5 late payment accounts with Nelnet. I called Nelnet to see what was go on with my account and I was told my payments restarted when the bankruptcy ended. Since I paid my bankruptcy off before XX/XX/XXXX my account was reactivated before the estimated date of XX/XX/XXXX. I have since be consistent with my Nelnet payment plan. I wrote Nelnet a Goodwill letter asking for these late payments be removed from my credit report due to I would have not been late will payments if I was notified the accounts were reactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Frontline Asset Strategies, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've contacted Frontline Asset Strategies / XXXX XXXX XXXX about a XXXX   XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor.

Company response to consumer: Closed with explanation