BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the Citi XXXX Card in XXXX and the advertisement said there was a XXXX points sign up bonus after {$4000.00} spending within 3 months, with the condition that " Bonus XXXX XXXX are not available if you have had a XXXX XXXX, XXXX XXXX or Citi XXXX card opened or closed in the past 24 months '', as still posted on Citi 's  XXXX sign up website. 

I met the spending requirement in XXXX, and i never have a XXXX XXXX, XXXX or XXXX XXXX before. However, I never receive the XXXX bonus points, and upon my inquiry to customer service, they said I am not eligible because I closed a XXXX XXXX card in the past 24 months. I asked again where was the language about the XXXX XXXX card posted in the website or in the terms in I received in the card application, they replied that " The offer to receive bonus XXXX points is not eligible for any card products which previously earned XXXX points and were opened or closed within the past 24 months. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report to find late payments reported for XXXX - XXXX of 2020. I am not sure how this happened. I believe I made my payments when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have opened a new bank account with US Bank and they needed proof of address. I've sent in my i.d . social, two forms of mail, my marriage license & the front & back page of my signed lease and they still will not release my funds. But they sent me my credit card and another fraud paper in the mail so they sent that stuff to an address that they " can't confirm '' but won't release my funds to me. That makes no sense and now I see it as they are stealing money from me. Please contact me back at XXXX or XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: CarMax, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Superstores , Inc finance on XX/XX/2021. A consumer credit transaction is a transaction in this a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I know the finance charge is the sum of all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS CREDIT XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX {$110.00} not mine XXXX XXXX   XXXX {$980.00} not mine XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$970.00} not mine XXXX XXXX XXXX XXXX {$710.00} not mine XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: UNITED COMMUNITY BANK
State: SC
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:
I took out a new home construction loan with United Community Bank. Once construction was complete the loan was converted to a traditional loan. During the conversion 2 loan numbers were created for my home, one thru the banks servicing agency and one with the bank. Both loans are showing the total amount of my home is due. This means I have double the debt on my credit reporting. I have contacted United Community Bank thru the customer service call center, my loan processors ( XXXX XXXX & XXXX XXXX ), regional managers ( XXXX XXXX, in XXXX XXXX  defense she's only known a couple of weeks ), and the collections department all with no resolution. I have sent in multiple statements showing the 2 loan numbers and cashed checks. In one instance I sent a cleared check for XXXX and XXXX and I was told XXXX XXXX payment was still late because the bank did not process it on time ; the check was cashed on XX/XX/XXXX but wasn't applied until XXXX. It's completely ridiculous. I am repeatedly reassured the problem is solved but the loan has not been removed from my name. The bank has stopped credit reporting delinquencies on me but my credit is hurt because of the large amount of debt and my wife 's credit took a 200 point hit because they are still reporting on her. This has been going on since XXXX, it's been constant stress on me and my family, it's embarrassing, and infuriating. We wanted to refinance to a VA loan while interest rates were still low and remove the PMI payments but we are handcuffed. This problem will cost me thousands over the upcoming years.

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 2019-04-02
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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/2021 I received a notification from Bank of America that there maybe fraudulent charges. The charge was for {$4300.00} overseas to a university in XXXX XXXX. 

I contacted XXXX, and they confirmed the charge was a " guest '' charge, which has nothing to do with my XXXX account. The offender had my credit card details and paid XXXX ( pounds, exactly ) to the XXXX XXXX XXXX XXXX. 

I contacted the XXXX XXXX XXXX XXXX and spoke to Collection Officer XXXX XXXX, who found my transaction, and can identify the student responsible. The student had multiple attempts with other cards. 

I contacted my local police department ( XXXX XXXX Police Department ) and filed a report, which is attached. 

After numerous calls to Bank of America, they have not re-opened my claim. I was not given the reason why my claim was denied. This charge came from a different country,

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 2018-12-03
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Navy had is holding my insurance payment because they want to foreclose. My house eas destroy during Florence I have no rough on the back part of my house im forced to stay there because navy fed took the money fema gave me to pay my credit card when i told that was money from fema i wasbtold the would not reverse it I had a payment Rangement because im with one of those companies that pays upur bills for younst a lower cosst. I kep calling but they dont care that i am in a house with no roof because they ate holding my insurance check from the insurance company i did know they could do i pay to be covered and I dont understand they have not forclosed and the house is still mine so how could they hold my check i was told is one of thete rules that you never hear about until it happens to you like so many other things. I dont was told the {$1300.00} would be put back but I havent cheacked they should have nevet taken it they could see that money came from fema i could go to Jail for using that money for anything other than what it was given to me. If i had not looked at mt account i would not known it was gone they dont tell you when they take the money. I was going to a hotel last week and i would have dividing the price of the Hotel by the number of days I could stay. There would have been a problem when I checked out if there was no money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in the hospital from XX/XX/17 thru XX/XX/17. For medical insurance I am double covered. Every bill for that 5 days has been paid but these two : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$160.00} Both bills are trying to be collected by Grant Mercantile Agency , Inc. XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX. 

As stated before, I was doubled covered by XXXX which I no longer have information for. The other is XXXX member no XXXX XXXX case no. XXXX. Both of these bills are in collection because of insurances not being billed correctly. I am on XXXX XXXX and don't have the income to pay these bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations lexis Nexis didn't remove my public records

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt directly with this company numerous times and received nothing back. However, they are still reporting this account to my credit reports. 30 days have passed since my last request for validation and still have received nothing

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
When my loan was with XXXX XXXX and I was having a difficult time paying my loan they convinced me to use my all my options to continue to delay my payments. At the time, with a young family, I thought XXXX XXXX had my best interests in mind and I agreed to move forward. I did n't fully understand that later in life I would no longer have this option if I ever needed it again. Also the interest was continuing to be charged, so it meant that XXXX XXXX was making more money off me. When XXXX sold my account to Navient I had moved and did not receive the notifications. Navient was not sending me paper bills and the emails they were sending were going to my spam. After I realized I should be paying Navient I called and emailed them multiple times asking them to send me paper bills, and to take off any penalties or credit reporting of late payments however they would not remove any penalties. They finally started sending paper bills. I have had my original loan since 1999 and I do not have even 1/2 paid off. Interest and penalties have piled up so much that my loan is costing me an extremely high amount. This is not something companies should be allowed to do for people who 've taken out student loans with a reputable company only to be sold to another and treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Credit Plus Inc
State: MA
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 has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date isXX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Convergent Resources, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls. Up to 5 or six times a day. 5 or 6 different numbers to get around my blocks. Refuse to identify themselves. Continued to call after I requested..then demanded they stop.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: CA
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:
Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor & Experian as Consumer Disputes per the FCRA which its not and is a violation. XXXX  has already removed the account for violations but yet Experian somehow keeps finding it verified when XXXX could not. If all information is supposed to be accurate across all 3 bureaus how is it that Experian is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account US DEPT EDU has committed. This goes for XXXX as well for violations. If not settled I will take to court to collect for damages for violations from Experian & 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 2017-11-14
Company: Patenaude & Felix A Professional Corporation
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do n't have an account with XXXX XXXX which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with XXXX XXXX. This account was opened " online '' which was not by me, therefore, XXXX XXXX does not have a signed contract from me. 

XXXX XXXX has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding XXXX XXXX XXXX vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

XXXX XXXX has Ceased all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Experian Information Solutions Inc.
State: TX
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:
EXPERIAN is in Non-compliance with the FAIR CREDIT REPORTING ACT BY REPORTING FRAUDULENT ACCOUNTS THAT I HAVE ALREADY SENT IN A POLICE REPORT ABOUT NUMEROUS TIMES, AND ALSO HAVE SENT IN A FTC AFFIDAVIT REPORT STATING THAT MY INFORMATION WAS COMPROMISED AND NEED THE FOLLOWING ACCOUNTS REMOVED BECAUSE THEY WERE DUE TO IDENTITY THEFT. NOT ONLY HAS EXPERIAN BEEN NON COMPLIANT WITH MY REQUEST AND THE FCRA! THEY ALSO HAVE BROKE ANOTHER RULE OF NOT VERIFYING EACH ACCOUNT, AND SHOWING DOCUMENTATION FOR 100 % PROOF OF COMPLETE AUTHENTICATION, VERIFIABLE PROOF! XXXX XXXX CHIEF EXECUTIVE OFFICER OF EXPERIAN LLC, AND XXXX XXXX XXXX OF EXPERIAN LLC WILL NOT CONTINUE TO BREAK THESE LAWS AND GET AWAY WITH RUNNING OVER PEOPLE LIKE ME WHO SERVED THIS COUNTRY PROUD! I AM A PROUD VETERAN AND HAVE NO PROBLEM PURSUING THIS CASE IN SMALL CLAIMS COURT, AND ALSO JOINING A CLASS ACTION LAWSUIT AGAINST EXPERIAN! I HAVE ALREADY OPTED OUT OF THE ARBITRATION AGREEEMENT EXPERIAN HAD ME LOCKED IN TO!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We opened 2 CD accounts with Wells Fargo payable to the XXXX 's XXXX XXXX XXXX for our bond which is required to have an active XXXX 's license in California. The CD bond money is the property of XXXX 's XXXX XXXX XXXX and as such can not be accessed by ourselves and more importantly Wells Fargo. As per the attached letter we have made our position to Wells Fargo quite clear. In essence Wells Fargo 's actions caused us losses of personal health, customers, job income, legal fees and time. Wells Fargo contacted us and asked if we would accept {$1500.00} for the unauthorized closing of the CDs which we declined. Subsequent to this offer we entered into a mediation process. During the mediation the Wells Fargo representative who had previously contacted us lied about what the {$1500.00} offer was for. Instead of admitting that the offer was for the CD 's he said the offer was for an unauthorized credit card that they opened which occurred the same day they closed the CD 's.  The credit card issue was never mentioned in that conversation and in fact Wells Fargo made a {$200.00} offer which we accepted as settlement in full for the unauthorized credit card in our name months before he called us about the CDs. We are not certain where we go from here so we are appealing to your agency for help and direction

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 2019-11-04
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about XXXX hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with Navy Federal. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already XXXX this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX  and let them know he reached out to me so they can unsuspend his account. The rep with XXXX even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has XXXX not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation