BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
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:
On XX/XX/2021 I made a purchase of lottery tickets in the amount of {$90.00} and in the same day of another {$10.00}. This was done at a convenient store near my house. I checked the history of my account as I usually do through the on-line banking and noticed 2 separate fees of {$15.00} each coded as " cash advance '' fees. I immediately contacted customer service on XX/XX/2021 and the representative explained the reason why I was charged was due to the convenient store running the card as a " cash advance ''. I have never used my card as a " cash advance '', and specifically on XX/XX/2021 I used it to purchase those lottery tickets. I asked for the fees to be refunded but I was further instructed to call the store and ask of their policy on lottery tickets purchased on a credit card. I went to the store in person and spoke to the owner, who was completely unaware that a cash advance fee would be charged to my credit card. There were no signs in the store posted regarding a fee that may be charged or to check with the credit card company for further guidance. My wife who is an authorized signer on my account called FNBO customer service and requested to speak to a manager. She spoke to XXXX ID # XXXX who said that the fees are non-negotiable and unfortunately she can not refund cash advance fees. Our FICO score is over XXXX, we pay our balances in full every month and we asked to have the fees refunded as a courtesy. XXXX XXXX explained that there isn't anything she could do and we would have to pay those fees. She also explained that we should read the terms and conditions of the account for cash advances.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: LA
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 called XXXX XXXX. I told them the account is over 7 years old. Its  been over 7 years since I turned the lease back in. I havent made a payment in over 7 years and it shouldnt be on there. The account says I pay every month. The lady told me it was gon na be reported to the credit bureaus and stay open as long as there is a balance.

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 2020-08-26
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have applied for a home loan to purchase a new home. The lender pulled my credit and it showed I had a late payment XX/XX/XXXX for a previous mortgage. I paid off my home loan in XX/XX/XXXX. I do not owe this company any money. I called them and they said it would  take 10 days just to look at the file. I am very upset with their process. I would like help to get this erroneous error off my credit report. The error is showing dated XX/XX/XXXX. 

I spoke with the company XX/XX/XXXX and they said they did not report this and it would take 10 days to have their team look into it. I will be losing the house that I have put a down payment on and I will lose my down if this does not get resolved in a timely manner. 

I have filed a complaint with this company previously and you helped with a positive outcome but again they are messing with my credit.

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 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.

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 2020-08-31
Company: Fair Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was doing dome inquiries about some cars and the XXXX XXXX XXXX   ran my credit with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt. I asked for information under the fair reporting act. Also requested on a number of occasions information to verify account information pursuant to [ Section 609 ]. All lawful verifiable information must include the signature of party in contractual agreement. The contract must be valid pursuant to NJ State law as well as to the Uniform Commercial Code. This company refuses to provide proper documentation and verifiable information pursuant to law and are in violation. The document forwarded to XXXX XXXX XXXX 's agency did not offer a signature, nor a copy of any verifiable information and must be removed. A cease and desist must be in order. This company 's practice is obstructive to my ability to obtain credit and they do not have my permission or authorization to report to any bureau.

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 2018-07-05
Company: Southwest Credit Systems, L.P.
State: AP
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received a letter from XXXX XXXX XXXX re : a  XXXX phone bill they are trying to collect in the amount of {$5100.00}. 
XX/XX/XXXX I mailed a certified mail return receipt letter to XXXX responding to their attempt to collect the debt. I indicated that I do not have any responsibility for this debt, I'm disputing it, and that if XXXX forwarded or returned it to another company, to indicate that it was disputed. 
- I have never had a XXXX phone account and my name is not " XXXX XXXX ''. I mailed a letter to each of the three credit bureaus ( XXXX, XXXX, and XXXX ) with the collections letter from the creditor, letter to creditor disputing item, copy of birth certificate, and copy of auto insurance statement verifying current address. 
XX/XX/XXXX The date of my corrected XXXX Credit Report indicating the outcome of the investigation : " Deleted - this item was removed from your credit report '' XXXX XXXX, XXXX I received a debt collection letter from Southwest Credit . This company is trying to collect the exact same debt that XXXX attempted to collect and was found to be wrong and removed from my credit. 
I am submitting this complaint in an attempt to stop this cycle of one company selling an " already proven invalid '' debt to another company and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, my wife requested a transfer of funds from our Citibank business account to my Citibank personal account in order to purchase a vehicle for {$37000.00}. While visiting the branch at XXXX XXXX XXXX, XXXX, CA XXXX, they told her that they wouldn't be able to send a wire for the vehicle purchase because she was not listed on the account, but we would be able to send it online. When she came home, I had her log into my account and send it online. That was the same day, XXXX, XXXX. The next morning, the person whose vehicle I'm purchasing said they hadn't received the wire transfer. I immediately started calling the bank that morning to see what might have happened to the transfer. I was told it was on hold and we needed to wait, the representative also said she would call us back and never did. We called back and the representative said that it was on hold and she would release the hold. After speaking with her, we received an email saying the hold had been removed. On the third day, we contacted the seller and he said that he had still not received the wire transfer. We called the bank again, they said it had been flagged for fraud and it would take another couple of days for them to place a tracer on it and see where it went. We called several times on Thursday and Friday and they have been unable to give us any information as to where our money is. This bank has been so incompetent, I don't understand how they are allowed to deal with peoples ' money. We have been calling today, XX/XX/2021 and the first time the rep said the money was still with them at Citibank, but being investigated for fraud. We called back to check the status and the rep hung up on us after a 93 minute hold. We are now on hold again, since XXXX and it is now XXXX. {$37000.00} is a lot of money to just sit back and let float around in limbo without anyone knowing anything that is going on. I feel like this bank has bad intentions with my money. They have not been forthcoming with any information regarding why they are holding my money and I need to know why and where my money is. This is completely unacceptable and unprofessional. They have been holding it for 7 days, now.

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 2017-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I attempted to to send USD from a CapitalOne 360 account to a   XXXX   XXXX   XXXX   account. Capital One told me that this transfer process between my own accounts takes 48 hours due to 'federal regulations '. In  XXXX ,  XXXX  and other countries the transfer of funds ( in the same currency ) occurs instantly. Why does this process take so long in the United States?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
It started back in XX/XX/XXXX when i requested a credit increase. Instead they decreased my limit to XXXX some how XXXX was about 100 points lower the XXXX and XXXX i have got that corrected and score went up asked again for a credit line increase they said no based on a score from XX/XX/2017 from XXXX stating its highly unlikely my score has changed much well it has as it has been 3 months and errors cleaned up on that report

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 2018-07-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I filed a previous complaint on this XXXX XXXXSynchrony Financial. I have 2 cards with them. Now I am having problems with the 2nd card-Care Credit/XXXXXXXX XXXX. This company decreased my limits for NO REASON AT ALL. NOTHING HAD CHANGED AT THE TIME THEY DID THIS FROM THE CONDITIONS or CRITERIA THAT THEY ALLOWED ME THE CARD INITIALLY. ACCEPT MAYBE I DON'T USE IT ENOUGHT FOR THEM. I FEEL THAT THEIR INTENTIONS WERE TO DO THIS, AFTER GETTING ME LOCKED INTO THE CARD and or in retaliation from my last complaint and deny me THE LIMITS I HAD when I contacted them yesterday Wed XX/XX/XXXX at XXXXXXXX XXXX-the phone rep. I HOPE SHE DID NOT RUN MY CREDIT BECAUSE I DID NOT GIVE HER PERMISSION!! IT WENT FROM A LIMIT OF XXXX TO XXXX. NO REASON I'VE USED THE CARD ONLY 2X SINCE TAKING OUT IN XXXX BECAUSE NEEDED SOME EMERGENCY DENTAL WORK and it also offered an opportunity to begin to re-build my credit NOT HURT IT LIKE THIS ACTION IS DOING. I wanted to begin to rebuild my credit after coming out of a bankruptcy as a result of an injury and I am currently on Social Security XXXX. I feel this company took advantage of me. I have NEVER been late on my payments and have a 100 % payment rating on my credit report. THE REP TOLD ME MY CREDIT WAS REDUCED BECAUSE XXXX  CALLED THEM AND TOLD THEM TO DO SO?? I HAVE NEVER HEAR OF THIS. I ASK FOR INFORMATION FROM WHEN THEY INITIALLY APPROVED THE CARD AND WHEN THEY MADE THIS DECISION to reduce my limits. THEY WOULD NOT OR COULD NOT PROVIDE IT. IF THEY DID THIS TO ME THEY ARE DOING THIS TO OTHERS. I HAVE 2 CARDS WITH SYNCHRONY, THE other card DID NOT CHANGE MY LIMITS?? WHAT THIS HAS DONE IS IT HAS IMPACTED MY CREDIT AND NOW MAKES THIS ACCOUNT SHOW THAT I AM OVER EXTENDED IN IT'S USE AT 100 % WHEN IT WOULD BE 40 % HAD MY LIMITS NOT CHANGED. THIS IS ETHICALLY WRONG!. I CAN'T WAIT TO GET RID OF THESE CARDS! I DONT WANT THE INCREASE TO USE JUST TO HELP MY CREDIT!. I WILL PAY THIS CARD OFF BEFORE I USE IT AGAIN!! TELL THE PUBLIC CONSUMER ... DO NOT DO BUSINESS WITH ANY ENTITY ASSOCIATED WITH A XXXX XXXX/SYCHRONY FINANCIAL OR CARE CREDIT SYCHRONY BECAUSE THEY ARE THEIVES AND CON ARTISTS!!! THEY HAVE THIS HABIT OF COMBINING SEPERATE PURCHASES ON THEIR CARDS SO PEOPLE OR TRICKED OR MANIPULATED INTO PAYING OUTRAGES FEES AND INTEREST WHEN THESE " PROMOTIONS '' ARE NOT PAID TIMELY. YOU DON'T KNOW IF YOU ARE PAYING ON A PROMOTIONAL BALANCE OR NOT BECAUSE THEY LUMP THEM ALL TOGETHER.

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 2021-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: TN
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:
This credit card account is showing negatively on my credit report when it is a fraudulent account that I never opened. The address on the account is not an address that I have ever own and this account is constantly being verified when it is impossible to verify something Ive never applied for or had in my possession.

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 2017-08-05
Company: Ocwen Financial Corporation
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a chapter XXXX bankruptcy that was discharged inXX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, we received a phone call that on Citi credit card was three months past due and that we owed {$700.00}. Thinking it was a mistake, I called the company. I learned that they had canceled my autopay that has been scheduled for years on XX/XX/XXXX. They posted my payment on XX/XX/XXXX and then canceled my autopay on the XXXX. I received no notification that this was being done, and this was the first time I was notified that my account was delinquent. When I asked why it was canceled, they could not explain why. I then spoke to another supervisor who told me that it was canceled because there were changes to my account. Again, I asked what changes because none were made by me. They could not identify the changes and just kept saying that I did not reconfirm my autopay. On the phone that day, I made an {$850.00} payment to make everything current, plus the next month. I have never received any correspondence from this company. This has caused rippling effects. My impeccable credit score has been slashed ( XXXX to XXXX ), my credit limits have been lowered, and I've been charged numerous late fees. I have found numerous cases of the same thing happening to different people. I went to login to my account on the website and there was no account listed. I had to create a new account. I've had this card and account for 15 years. At the beginning of XXXX, they slashed my {$16000.00} credit limit in half which caused my credit score to drop 49 points. ( Credit Used shows the percentage of your total credit used in comparison to your total available credit reported across all open and revolving accounts. )

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 2020-08-25
Company: GOLDMAN SACHS BANK USA
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an XXXX XXXX XXXX laptop from Apple.com using my Apple Credit Card ( provided by Goldman Sachs ). I have had technical issues with the laptop. Unfortunately  when trying to resolve my technical issues during COVID-19 all of the local apple stores and depots were closed. I tried returning the laptop for full refund given that it was not functioning as described. However given the date Apple refused to take back the purchase. On XX/XX/XXXX after receiving no resolution from the merchant ( Apple ), I went to my Apple credit card Goldman Sachs and asked them to dispute the card. I wanted to be able to return the laptop for full refund or have the full amount credited to me on the credit card given that my defective laptop was being rejected. One important reason I need a functional laptop is that I use it for work at home as a XXXX. I have both texted with and spoken to Goldman Sachs representatives for months. My dispute was closed first on  XX/XX/XXXX stating that I should just return the laptop. I called that day to customer service to explain that Apple was refusing my return based on purchase date. I was told they would reopen the case with that information. The following day I was told that my dispute was again closed for the same reason. I have never been able to speak to the same person twice about this. On XX/XX/XXXX I again reached out to Goldman Sachs to speak to a supervisor to explain that Apple is not letting me return but Goldman Sachs is  demanding that I return the item. This circular thinking is putting me, the customer, into a situation that I can not win. Goldman Sachs and Apple are practicing in a way that is very anti-consumer. I simply can not win the maze of auto-robot replies and constant changing of customer service individuals. To summarize simply, all I want is a full refund on my product any way possible - either returning directly to apple or as a refund on my credit card via Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished Lexis Nexis, XXXX, XXXX and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: ONEMAIN FINANCE CORPORATION
State: NC
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:
On XX/XX/2020 I received 2 phone calls from One Main, a loan company I used about 3 years ago. They informed me that a person with my same name come in for a loan and MY information was used in error. I was told they would fix it. Upon receiving the second call I was basically informed I needed to feel out forms to fix the problem. This is not acceptable. They were to send me emails with forms, this never happened. They stated the information WAS sent but would send it again, never happened. I have worked HARD over the last few years to improve my credit. I need the hard hit removed from my credit report. I have the following information :. One Main - XXXX, In. XXXX. Phone - XXXX. The branch I used a few years back - One Main - XXXX XXXX XXXX XXXX. XXXX,. NC. XXXX. Phone - XXXX. I spoke with XXXX, she run my report. XXXX was " trying '' to fix it. Again, haven't heard another word from them. Thanks

Company response to consumer: Closed with non-monetary relief