BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: CITIBANK, N.A.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
WENT TO HOME DEPOT ON ABOUT XX/XX/2019 AND TRY MAKE PURCHASE THAT WERE DECLINE..COMPANY VIOLATED " FCBA AND Truth IN LENDING ACT WITH FAILURE TO SEND NOTICE THAT CREDIT LIMIT HAS BEEN REDUCE FROM $ XXXX TO $ XXXX WITHOUT ANY CAUSE..THIS HAS CAUSED SERIOUS HARDSHIP WITH ACCOUNT USED TO HELP DISABLE VET TO REPAIR HOME..AND IT HAS CAUSED MY CREDIT SCORE/ DEBT RATIO TO DROP SIGNIFICANTLY, I HAVE BEEN A LOYAL CUSTOMER FOR OVER 15YRS AND NEVER MISSED ANY PAYMENT AND ACCOUNT ALWAYS BEEN UNDER 30 % USAGE AND ACCOUNT CURRENTLY SHOW MAX OUT LIMIT

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 2017-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
On XX/XX/XXXX I made a {$500.00} payment to Capital One. On XX/XX/XXXX I made a {$1000.00} payment to Capital One. My online account shows {$1000.00} payment on XX/XX/XXXX which does n't make sense. My {$500.00} payment never showed up online. I called customer service several times on XX/XX/XXXX. I was disconnected several times and finally got through after holding 41 minutes. Customer service acknowledged my {$500.00} payment and said it should show up the next day online. I asked about the balance - I track my balance constantly and know the {$500.00} was not applied to my balance. She said it was applied and the balance showing online is correct. I do n't think so. I was very unsatisfied with the customer service. The next day or even today XX/XX/XXXX - my {$500.00} payment does n't show and my balance has n't been adjusted. I did contact customer service again via online on XX/XX/XXXX. I got the same response. They acknowledge my {$500.00} payment but did not apply it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Rent Recovery Solutions
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was mailed a letter from Rent Recovery Solutions LLC in reference to a debt, I read the letter and responded within 30 days, upon checking my credit report i notice a negative item on my report stating i owed money to a company which was put on my credit before i got a response back. I was never notified by the collection company that i didn't have to do business with them. ( this a form of Extortion ) I tried to get a validation of the debt and received a letter with no signature of mine which is not an official verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Experian Information Solutions Inc.
State: UT
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've had a car loan with XXXX XXXX XXXX XXXX since late XXXX. Since XX/XX/XXXX, they continue to report my account as past due even though I have provided documentation over and over again that I have never missed a monthly payment in that timeframe. I've submitted dispute requests to Experian and XXXX, but so far those efforts have been futile. I have uploaded documentation here yet again showing that I am on-time with my payments despite my credit report continuing to show that I am 30-59 days past due.

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 2020-12-16
Company: Home Loan Center, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
The company, Lending Tree approved me for a loan of {$3000.00}. They had me send money back through XXXX XXXX for verification as well as buy a gift card for some odd reason. Theyre still having me do unconventional methods to receive funds but still havent received my funds. I believe the company is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: EQUIFAX, 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:
Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a purchase at Home Depot and when I checked out I was asked by the cashier if I'd like to open a Home Depot account. I was under the impression it was a store rewards account when in actuality it was a credit card account. This was especially misleading because I had to swipe my current/existing credit card when I checked out which I thought was paying for the purchase but apparently they just used the info from my existing account to open the new HD credit card account and automatically charge the purchase to the new account. None of this was effectively communicated to me by the cashier so I had no idea what had just happened. Furthermore, I never received a credit card in the mail and I never activated a card from Home Depot or CitiBank. Now, 45 days later I'm told I have an overdue balance and my credit score has dropped 84 points all because of something I didn't even know existed until I received an email from XXXX XXXX notifying me of the change in my credit score. This practice by CitiBank and Home Depot is deceptive and down right shady. I'm sure others have experienced the same thing. They are playing games with peoples credit scores and livelihood. Both CitiBank and Home Depot should be ashamed of themselves for using such duplicitous business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Every time I trying to spot for credit card or loan it said my credit is really bad so how can I got my credit back. I dont really the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Alpha Recovery Corp
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today is Tuesday XX/XX/2018. I have a letter from Alpha Recovery Corp ( XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, CO XXXX - XXXX ). I followed the directions written in their letter to satisfy my debt by going to their website ( www.alpharecoverycorp.com ). I followed the prompts and set up my payment for account # XXXX in the amount of {$740.00}. After the payment was made the site stated that if I wanted a receipt to call their number and ask for one, so I called the number as directed. 
After getting a agent on the phone she said that I couldn't have made a payment because they do not have my account. That is after I went one their site found the account and paid the amount in full. I told her this, she became rude, angry and transferred me to the manager. I told my problem again to the manager, the same result, however this time she just hung up. I still don't have my receipt for my payment. 
I called back a third time and left a complaint with the compliance manager of the company via voice message. 
I have not gotten a call back and still do not have my receipt. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
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 have a Citibank Credit card and my minimum balance was due by the XX/XX/XXXX.

I made a payment earlier in the day, but needed to deposit money into my checking account before I could make my final {$300.00} payment.

I live in California along with almost 40 million other people.

The United States has a system of time zones and California is 3 hrs behind Eastern time.

I tried to make my payment online and it was telling me it was the XX/XX/XXXX when in fact it was still the XX/XX/XXXX in California - so I didn't pay online.

I called Citibank XXXX around XXXX XXXX  and asked to speak to the supervisor and brought up this problem - they told me that my card agreement has the time due as being midnight eastern time on the date due - I then asked to speak to a supervisor in the United States and spoke with someone - he took my payment using my bank routing number and acct number but advised that the payment is listed as being made on the XXXX. He did waive the late fee.

My contention, regardless of the written agreement, is that 40 million people are being discriminated against by being forced to make their payment 3 hrs earlier than clients on the eastern coast are allowed to - this is unfair to 40 million people.

Can you please work towards forcing banks and other financial companies to regognize the time zones of the country and class payments made by midnight in the local time zone as having been made on time regardless of what their system says.

Thank you for your attention to this matter. XXXX XXXX XXXX, CA 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 2022-08-25
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has charged me overdraft fees multiple occasions on items that have already hard posted on my account even when I still had small funds remaining on the account. 

When I ask them about the fee they are hesitant to reverse the fee and give the excuse that items that are still pending caused the item that has hard posted on the account to put me in overdraft. 

One instance was :XX/XX/2019 : Item A for {$9.00} hard posted on the account from XX/XX/2019. That is the only transaction for the day and the end of day balance is {$.00}. 
XX/XX/2019-XX/XX/2019 : Item B for {$10.00} is pending. Multiple cash and money transfers between WF accounts with the same account holder totaling {$50.00} is pending to cover transaction. 
Balance : {$40.00} pendingXX/XX/2019 : {$35.00} Overdraft charge for Item A insufficient funds. 

I have called multiple times about this and they always give me the excuse that the pending transactions are affecting the balance to cover the already hard posted transaction which makes no sense. 

I would understand if I get overdrafted for a pending transaction and if I didn't make multiple deposits to cover it but for me to get overdrafted over something thats already posted on the account and with my account still in the negative before the overdraft is ridiculous. Not only that, but the fact that they always try to make up excuses on how they went back to charge me for something thats already posted on the account and for that account to have money in there is no excuse. 

This has happened multiple occasions and I've let it go multiple times but enough is enough. The way they structure their fees is borderline illegal and I feel like I'm being milked my money! 

With Wells Fargo being in deep waters with all the fraud going on, I'm surprised they're not doing due diligence to make sure things like this don't happen.

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 2018-08-08
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a Chapter XXXX Bankruptcy in Federal Court in XX/XX/2016 and Caliber Home Loans is claiming to be the servicer of my note but I have yet to receive an updated statement. I still do not have documentation proving that my note was sold, nor do I have a receipt of all the pre and post petition payments made to them. I attach a copy of the evidence of payment during last year to the Trustee. I demand a correct statement and all information regarding my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ive had to ask CFPB for assistance with JP Morgan Chase before. Im going through a very volatile divorce. On XX/XX/2019 my ex husband stole my wallet and my phone. He made a purchase of {$510.00} on the XX/XX/XXXX. On XX/XX/XXXX he made purchases of {$29.00}, {$30.00}, and withdrew {$1000.00} from my bank account. Chase refunded the {$510.00}. However they are refusing to reverse the rest of the charges stating that the signiture looks similar and he used my debit card. They even we so far as to say they dont know who should let him withdraw money with a XXXX id. I dont know either but it was not me and I need my money back. They insisted they sent me letter. I received a secured message a week after they told me they denied my request and they are refusing to allow me to appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I had an account balance of over $ XXXX and a payment of {$730.00} labeled " Temp Adj For Covid Stimulus Pymt Access '' was deposited into my Santander checking account. I tried to call the bank several times to figure out where this money was from but their phone lines were so backed up after 30 minutes of holding it would just hang up ( I tried a few times ). I own a small business and have applied for several of the small business disaster loans since Covid 19 has halted my business ( XXXX  XXXX, mostly XXXX  XXXX  ). Ultimately I figured this was part of the Stimulus package from either the Federal Government or my state ( RI ) and carried on. Then on XX/XX/XXXX at XXXX I received an email from Santander bank explaining that the bank had deposited these funds into my account and any account that was overdrawn in order to make sure folks had " full access '' to their government stimulus checks. I DID NOT HAVE A NEGATIVE BALANCE, I DID NOT CONSENT TO RECEIVING THESE FUNDS. And now weeks later ( when it's likely the funds have been used because I'm essentially unemployed due to COVID ) the bank conveniently lets me know they'll be taking these funds back?? This is one of the most predatory moves I've ever seen from a financial institution. Folks should have been notified BEFORE funds were deposited and had a choice to OPT OUT. To dump funds into accounts of folks who are clearly struggling and not tell anyone that it's actually going to be snatched up again in 30 days coincidentally allowing Santander to collect who knows how much more money in additional overdraft fees???????

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 2017-11-21
Company: Experian Information Solutions Inc.
State: CT
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:
Around XX/XX/17 XXXX investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA.
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly 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 2019-05-06
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Name is XXXX XXXX and I have been using Square ( Cash App ) for almost 4 years. I have my XXXX XXXX   debit card and account number linked to this app. I have never had any problems using this money transfer app. I send my roommate ( XXXX XXXX ) my portion of our house bill via Cash App every month. 
However, On XX/XX/2019 around XXXX, I tried transferring my portion of our bills ( {$380.00} ) to XXXX XXXX via Cash App. I opened my Cash App account, l went to recent activity, I selected XXXX XXXX  name, which was on top my recent activity list, and I sent the money. He accepted it right away ; He replied with a thumb up. On the following day, while I was at work, my roommate, XXXX XXXX called me and asked for my portion of the bill. I told him that I had sent the money yesterday via Cash App, I told him that he even replied with a thumb up. He said, " let me check, I don't think I received any money or replied to you yesterday. After checking his Cash App account, he said to me that he did not receive the money. I opened my Cash App account and checked the transfer. I realized that there were two XXXX XXXX  accounts. I knew right away that I was scammed because I have only been sending money to one XXXX Account. I realized that someone created a fake account using my roommates information. The Scammer also appeared on my recent activity list, which I could not understand. I was confused and wondering how could his be possible. 
So, I contacted my bank, XXXX XXXX right after I got off the phone with my roommate and told them not make payment to the transfer. I explained to them the whole problem. The Fraud Specialist told me that they couldnt stop the payments or investigate the matter. I would have to contact Cash App and tell them to initial a dispute. 
I emailed Cash App ( Cash Support ) and told them everything. They told me that they are Cash App is unable to initiate disputes with a customers bank on their behalf. 
After making several phones calls to XXXX Fraud department and exchanged many messages with Cash App support group, both companies made it clear that  they were not going to investigate my case. 
So, I did XXXX all weekend ( XXXX XXXX XXXX XXXX ) to pay my portion of the bill. I made XXXX and I added other money that I had in my XXXX account. I went to my Cash app account, this time I was more careful, selected the right XXXX XXXX account, I transferred {$380.00} to his account. I was confident that this time he would get the money. Also, I had transferred {$20.00} to XXXX XXXX via Cash App on XX/XX/XXXX and it was successful. Unfortunately, the money went to the scammer. This was more confusing, because I selected the right account. I contacted XXXX Fraud right away and Cash Support. Both said they could not help. 
I lose a total of {$770.00} ( {$380.00} * 2 ). I will close both accounts as soon as I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage, In review documents related to this loan it has been found that Freedom Mortgage has failed to properly credit payments to the account in a timely manner and have a history of this, paired with the fact they failed to send out statements for the better part of XX/XX/XXXX ( >6months ) leaves to believe that as a company they are failing to properly record payments in a timely manner or provide the service you are required to. Freedom Mortgage has failed to properly credit payments in XX/XX/XXXX and now in XX/XX/XXXX where the check for payment has cleared my bank and they have received payment and failed credit the payment to the mortgage this is not acceptable.

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 2017-11-20
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called customer after applying for 2 XXXX cards and the representative stated that it is not approved as I have bad relationship with XXXX as my cards got closed in the past. However, none of my cards EVER gotten cancelled and in fact I have 4 credit cards with XXXX 

They sent me in a circle and I talked to 5 representative up to the Manager 's manager.  And even then they would not help as they assumed the worst in me. My payments and everything are in perfect standing.

Company response to consumer: Closed with explanation