BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Made a purchase of a laptop and a phone at Best Buy in XXXX, XXXX for {$2000.00}. I was given an option to either pay for the purchase and receive a discount or put the purchase on the new Best Buy card ( issued and serviced by Citibank ) and forego the discount in place of a WAIVED interest rate on the card for a year. I chose to apply for the card. Was approved on the spot and put the purchase on it. I have serviced the outstanding balance with regular monthly payments and the outstanding balance as of XXXX, XXXX was {$1600.00}. Then my wife received a bill in XXXX, XXXX for {$2200.00}, which included an insterest of {$600.00}. I was away on a business trip, thought such a huge interest charge was some kind of mistake and I would deal with it upon my return. When I returned to US and cleed the Citibank, I was explained that the promotion on the card ended and the interest charge, that I was advertised as WAIVED, was actually only POSTPONED. I offered to settle the full outstnading balance on the spot, but was told that because on the 2nd or 3rd page of the monthly statement, this promotion was explained in fine print, bank 's policies would not allow to waive the interest even with the full payment. I escalated the matter to the second level superviser, who promised to give me a call within a week, yet, I received no follow up. I received another call from the bank at XXXX on XXXX morning of XX/XX/XXXX with the reqquest to make a payment. When I refused to accept the {$600.00} interest change, which is an outrageous amount of about 33 % on the average outstanding amount, besides the fact that I was advertised NO interest rate for one year, the representative said that they had " good news '' for me. Apperantly, the bank was willing to discount 50 % of the changed interest if I accepted the changes. This is a highway robery worthy of shady finanical operators, which I could never have expected from such respected institutions as Citibank and Best Buy. I refuse to accept the " incurred charges '' as I was plainly told there would not be ANY interest charges for a year and I was not clearly explained that I needed to pay off the full amount in under a year! Those conditions were also not clearly marked on the frint page of the statements and Citibank did everything to " catch me '' in their " trap. '' I'm willing and able to pay the outstanding amount in full. Please, help me receive justice in my complaint against completely unfair consummer practices of Citibank

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 2018-01-23
Company: DISCOVER BANK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX I regularly monitor my credit report and just got a notification that someone has applied for credit cards in my name using my name and I am worried I may potentially be a victim of identity theft. I DO NOT use credit cards and I do not know what to do. it has cearly put me as a high risk on my credit report and not to mention lowered my credit score as well as put several hard inquiries on my credit score as well. Is there any way these can please be removed. I am very concerned. 
these companies were discover which were 2 times on the same day!!! and then XXXX XXXX???? 
Please help and thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: MD
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Metro Collection Service Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX XXXX medical bill that was opened in 2013, for which I had an agreement to pay XXXX once my car accident case resolved, my attorney didn't received the medical bill and they sold the bill account to metro collections, and after five years almost six, this metro company is harrasing me over the phone and letters, I filed a dispute in my credit report, still they keep increasing the old debt, I filed a complaint with fl office of financial regulations and they found that metro collections was harrasing me and didn't have a license in fl, now they referred me to you to investigate and stop this collection agency from continuing this unlawful behavior. 
The account is more than six years now and based in fl law is too old to be in my credit report. I need you to please stop these people abuse and remove them from my credit reports as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I collection account was put on my credit report my a company called Ad Astra ( XXXX ) for a XXXX XXXX loan. I called XXXX XXXX and gave them my social and they could not find an account. I then called Ad Astra and they did not have the correct social security number just my name on account that was not mine. They put that info on my credit report knowing they did not have a correct SSN for me. When I asked them how they could do that knowing they did not have the right SSN, they could not give me an answer. This has negatively affected my credit report and should be removed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Balance Owed : {$0.00}. I believe it was reporting in error.

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 2021-08-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
USAA servicer provider for mortgage is XXXX. XXXX automatically enrolled me in a loan modification program. This program was later explained to me as only to lower payment nothing else will change. At that moment I asked for XXXX to send me paperwork. The paperwork that was mailed and arrive some timed in late XXXX. I quickly read the paperwork because my wife and I were XXXX XXXX XXXX XXXX and we had so much going on. I signed and sent the paperwork back to XXXX, after some more careful thought I changed my mind and called XXXX TO CANCEL THE PAPERWORK. They assured me they would cancel it and resume original payment amount. What happened after that was XXXX block my online access and over the phone to make any payment. XXXX I received a called from a Veteran Affair mortgage representative asking if I am ok financially, I stated yes and explained the issue that I have with USAA ( XXXX ), With the VA help we were able to get to the bottom of the issue or so we thought. XXXX stated it was a miss communication and if I made up the payment they would fixed everything. Well during that time I checked my Credit score and XXXX reported me to credit report for being delinquent for the time they blocked me from making payments. XXXX assured me they would fix that, but they never did and now they told USAA CEO office whom I contacted to resolved this at the lowest level. Stated because I made those payments, that I am now stuck with the bad report. Because of the loan modification that i never agreed to. So how XXXX loss all phone transcript and told USAA a lie that even though I canceled the paperwork because I signed it originally that I have to be subjected to the bad report, I asked USAA how is that FAIR practice? So I am filing this complaint so this does not happened to anyone else.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CITIBANK, N.A.
State: WI
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/2018, I visited a Citibank branch in XXXX to avail a new checking account offer, that entailed Citibank crediting 30,000 XXXX XXXX AAdvantage  miles to new customers. I hadn't been able to sign up online as I am a Non-Resident Alien owing to being an international student, but I was eligible for the promotion, and had to visit a branch. 

Citibank did not give me 30,000 XXXX XXXX miles, stating that I had not provided any data regarding why I'm present in the US, although I'm a XXXX XXXX. But this was despite the fact that I had submitted a copy of my passport & XXXX student visa issued by the United States of America, which also states the name of my university. Even after mailing those items ( including a local address proof & XXXX and its addendum ) via USPS, I still received a canned response. So, I resent copies of my passport, visa, local address proof again along with XXXX ( and its addendum ) & an enrollment verification letter from the university registrar, but I haven't received the promised 30,000 XXXX XXXX miles yet. 

Its back-office employees don't seem to carefully look at the data, and this situation has been causing me a lot of inconvenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid two payments at the end of XXXX to citimortgage. My account was current. I went in to pay XXXX 's payment and my account got sold to XXXX. I had no idea and did not get any notifications nor letters in the mail. 

I now get a letter from XXXX that my mortgage is behind and citimortgge did not post my payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony is the bank that manages the XXXX and XXXX credit card, and they dont send an email when you sign up for paperless statements. This has resulted in being late for 2 payments and being subject to late fees and interest charges. As this is the second time this has happened Im convinced that this is a mechanism to collect late charges and interest charges.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: MO
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

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 2021-08-05
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit 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 continuously harassed me via email and mail ( as described in 15 USC 1692d ). They have communicated with me more than once ( 15 USC 1692b ( 3 ) ). They have ruined my character and general reputation by reporting false information on my consumer report ( 15 USC 1692e ( 2 ) ( A ) ). They didn't disclose that they are attempting to collect a debt ( 15 USC 1692e ( 11 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a letter that on XX/XX/XXXX, the company I hired ( XXXX XXXX XXXX  ) was able to negociate a settlement with an account that was delinquent ( XXXX XXXX/XXXX  account in a 9 payments of {$100.00}, which came to its completion on XX/XX/XXXX. 
But these people Midland Credit management, wants to continue to collect and retain the bad remark on my credit reports all across, I tried calling them, but they claimed they can only talk to the people that represent me ( XXXX XXXX XXXX ) and I said they no longer work for me, I sent Midland a letter in writing my dislodging with XXXX a month and a half ago, but they still avoid me, I just want them to recognize the account was paid in full for the settlement and remove those bad remarks from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I received a balance transferred to me using Cashapp. The balance can be cashed out immediately for an additional fee, transferred to your bank in 48 business hours or to a gift card. I chose to deposit to my bank, XXXX. I made the attempt on XX/XX/19, XX/XX/19, and toady XX/XX/19 using the free option. After being prompted to login to the XXXX account there is a notice of an error. I contacted the, via email on XX/XX/19 and have not received any response other than this bank has problems something like that. No resolution after making initial contact w/ them. 

I am not interested in paying to transfer or gift card. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CITIBANK, N.A.
State: CA
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:
I am still affected by XXXX XXXX, I can not get through to the company. I need a payment waiver. And I am not calling after XX/XX/XXXX. My payment is due XX/XX/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 2021-08-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my XXXX debit card stolen by my ex. I found out today the XXXX of XX/XX/XXXX that she made several atm withdrawls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. The banker asked me if I had my pin written down and if my card was stolen YES I told him and he said that it will not be covered?? this is at a wells fargo XXXX bank account? What do I do??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Please help! After being a loyal customer for over ten years, TD Bank suddenly decided to " demarket '' my account. They blocked my online banking so I can not transfer my funds. I need your help. They are railroading me. 

On XX/XX/21 XXXX XXXX, the store manager, told the Customer Service Representative, XXXX, that all I needed to do was come to the branch and my funds would be released in-person. XXXX even said I could go through the drive-through to pick up the funds. So, I did what I was told. I arrived at the bank at approximately XXXX and XXXX XXXX and her banking associate, made me wait for almost two hours. They did not see me until XXXX. They knew who I was. They treated me with disrespect and discrimination. I would not recommend this bank to anyone. XXXX XXXX should not be a manager. She treated me like a common thug. 

Finally, two hours later, XXXX XXXX says she does not know what I am talking about. She tells her partner to call the mysterious " Marketing Department ''. The associate calls and leaves a voicemail. A voicemail? Really. XXXX XXXX said the department must be closed. She is a liar. I read that they department does not answer phone calls. She says they will get back to them in 24-48 hours. But, they never indicated when they will get back to me? Nor did they answer any of my questions. They did not explain why my account was de-marketed. They did not even want to help me. I asked why XXXX told me that the money would available when I got to the bank? They had no response for me. They were rude, cold, and they did not help me. They did not care about my situation. XXXX XXXX needs to be replaced with a manager who actually cares about human beings. 

I have over 2500 $ -3000 $ in the account. They blocked my online banking so I can not see what the exact total is. Please help. TD Bank is horrible. After being with the bank for XXXX years, you think they would have the common courtesy to treat you with an iota of respect. They are thieves. 

I trust you will help me get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
wells fargo bank / wachovia bank stole my home to fraudulent forclosure in XXXX county court XXXX florida to crooked judge whom did not look at proof of paymants wells Fargo bank /mortgages lied through there teeth the acount was in credit of over a XXXX dollars all payments were internatinal wire transactions from bank in uk to wells fargo and where all cashed, i have made over 50 case complaints to cfpb and you have done nothing for me, wells fargo valued my home at XXXX XXXX XXXX XXXX florida XXXX value {$560000.00} home mortgage {$250000.00} the equity i had in my home at the time of fraudulent forclosure was {$310000.00} the bank sold the property on the court steps to a 3rd party then sold it again within 7 days for XXXX then XXXX then made it look like the person who lives in the house now had bought the house from me thats fraud?. devastated me and my family this house was my penshion retiremant money stolen if a bank robber stole {$560000.00} dollars how many years would he get in prison wells fargo get fined? Now a supreme court judge in california has made wells fargo compensate 817 people families that they have stolen there homes to computer error?

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