BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I was forced to close a certificate of deposit early with citizens bank on  XXXX / XXXX / 17  because my water heater broke, my basement flooded and I needed the money to fix it. I knew I would be charged an interest penalty for breaking th e CD however, the asst manager,  XXXX ,  at the  XXXX  MA branch informed me of a {$50.00} transaction penalty that would be deducted from my closing balance. I asked for the fee to be waived because of my long history with  Citizens,  I am a  XXXX   XXXX  customer and the emergency situation. She declined saying she was not allowed to waive fees. Told me to call phonebank. I did and the supervisor,  XXXX  declined as well. This  CD was ope ned over 15 years ago, the  XXXX  fee as far as I can recall was not part of the account agreement at that time. I have never in my life have had to beg or file a complaint in order to get a bank to issue a fee rebate. It is now a matter of principle to me. This was an emergency situation, beyond my control and I needed every dime to pay for the repairs. The outright refusal and passing of the buck between the branch and phonebank is just plain unacceptable. I will be closing ALL my accounts, refinancing my car loan and moving my investments to another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-24
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech is the servicer of my loan. I have been trying to obtain information on when PMI will drop off my loan. I sent an email on XX/XX/19. I never received a response. I called the company on XX/XX/XXXX after not receiving a response. I spoke to a representative who essentially told me that I didnt get a response to my inquiry because my loan was transferring. They are still my loan servicer at this point. They should still be answering my questions. I asked the representative my question about my PMI. She then proceeded to tell me that I am at 103 % of my loan. I asked for calculations on how she was coming to that figure and she couldnt tell me. The loan was taken out for approximately $ XXXX and I have a balance of approximately $ XXXX. I am not understanding how she came up with her percentage. She couldnt transfer me to a supervisor or manager. She then told me she would let me go and I would get an email from their company with a response that day. It is now Friday, XX/XX/XXXX and I still have not heard a word from this company. I think they are trying to rip me off and charge PMI longer than they need to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today I noticed through my free credit score tracker that my score tanked 47 points due to an account closure. I haven't cancelled any accounts recently, so this seemed pretty odd to me. 

I went through my spam emails and discovered an email from Comenity Bank saying they would close my account due to non-activity. 

It is extremely disappointing that I only received one email, and that no other forms of communication such as mailed letter or phone call were attempted. 

My score has gone from " good '' status to " poor '' in the matter of an instant and that really hurts. 

I called Comenity today and they said there was nothing they could do and offered no support whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Got a scam through XXXX XXXX used a cousin of mines page! Said she got a wonderful Grant Through the catalog a federal domestic assistance, Then said they can help me! Which I feel like a XXXX and proceeded! Scammers name went by XXXX XXXX Phone number on that is XXXX anyway wired money A name XXXX XXXX through my bank to a company called the navy credit union @ XXXX XXXX XXXX XXXX, XXXX XXXX, CA they were Notified The credit union there in XXXX XXXX stating that the XXXX XXXX who I wired money to was a scammer. dates that money was wired to were XXXX & XXXX Called my bank said there was nothing they can do same with the Navy credit bureau in XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Prosper Marketplace, Inc.
State: CA
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 entered into a settlement of my debt due to COVID-19 and made every monthly payment of the settlement. Despite timely monthly payments, I am being reported as 60 days late which is not the status of the accommodation. My FICO has dropped over XXXX points, impacting my ability to refinance.

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 2020-02-12
Company: JPMORGAN CHASE & CO.
State: TX
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:
I returned to a merchant ( Amazon ) 3 of the same items on XX/XX/2019 each costing {$470.00} and weighing 5.85lbs totaling {$1400.00}, but instead got refunded on two wrong item costing less {$130.00} and weighing less 3.80lbs from the original order - which in fact were never among the items I informed the merchant that I wanted to return. When I saw this on XX/XX/2019, I called the merchant to challenge the wrongfully refund item they selected, the amount and the number of items which was 3 not 2. It was after that call on XX/XX/19 that the Merchant then made a 3rd item refund of the item that weighed 5.85lbs which amounted to a total refund of XXXX with a deficit of {$660.00}. To my utmost surprise, chase refused to investigate the matter but rather chose the side of the merchant to intimidate a customer. 

The manner and professionalism at which Chase handled this dispute is appalling and shameful. 

I have filed to continue the dispute, and attached also the XXXX receipt showing the return item and the weight. Now, it is very important to consider the aspect of the weight of these items returned in this dispute because the merchant is claiming I returned items of different weights ( the lesser weight item of 3.8lbs costing {$130.00} while the heavier weigh item of 5.85lbs costing XXXX ) but the XXXX receipt confirms that the 3 items submitted weighed the same and were the larger weight which cost {$470.00} each totaling {$1400.00} - bear that in mind. With the disputed amount of {$1400.00}, what the merchant should get back is the false and fraudulent refund of {$750.00} they had issued. This is a clear case of fraud by this merchant to cheat customers and even when the fact shows in the XXXX receipt they refused to acknowledge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my Capital One card. In anticipation of this, I called Capital One right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. Capital One lied to me and reported me as being late anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I have disputed this account several times but the bureaus are not responding accurately. I told them that I do not recognize this account and also demanded a proof on how they dealt with the information that they indicated on my report but still they did not deleted this account.

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 2019-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have had money taken out of my business banking acct with chase bank under the heading of it being a payment to XXXX   phone bill cor the last 7 years I know about and have the web I'd # the person ls using to do this with. I estimate over the last several years they have taken close to {$5000.00} min every year and withdraw sometimes 2 or 3 times  every month need help recouping my money from chase or XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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 had a personal loan with Springleaf financial ( now doing business as One Main ) in the years of XXXX-XXXX. During these years I maintained a perfect payment history. Included in my monthly payments was an additional fee for payment protection. The protection program is offered to borrowers that opt in to help them pay their monthly payment in the event of loss of employment or disability. In XXXX  XXXX, I was laid off from my job and initiated a claim with XXXX XXXX ( payment protection ). After months of endless phone calls and communication via mail, my claim was denied. XXXX explained that this was due to me not being approved for unemployment benefits, which makes absolutely no sense, if I had income from XXXX, I would not need the payment protection. I paid for this protection for over 2 years and was not able to use it when I most needed it. This company cheated me and basically stole my money. They charged me for a service they did not provide. To make matters worse this company is reporting negatively every month to the credit bureaus even though they state I have a XXXX balance and that my account is charged-off and sold to another lender ( who I do not have a signed contract with ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX a debt of {$260.00} appeared on my credit report, the company name convergent outsourcing placed a debt that had already been disputed back in XXXX of 2017 and ultimately deleted on to my experian credit report with no notification or letters that would have given me an opportunity to dispute, deny or pay this debt if I knew anything about it. It is my belief that this collection agency and credit bureau are practicing unfair business practices and I plan to sue both companies if this is not deleted immediately.

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 2019-10-17
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019 - I opened a checking and savings account after seeing a Citi promotion. 

On XX/XX/2019 - I was charged a {$14.00} for ACH Electronic Debit - XXXX  XXXX   RETRY PYMT on the day I opened the account On XX/XX/2019 - I was charged a {$48.00} overdraft fee On XX/XX/2019 - I contacted Citi and I was able to get the {$14.00} and {$48.00} fees reversed, but there was no explanation where the XXXX  XXXX RETRY   PYMT originated from which caused the fees. This was on Citi 's end as I had not receive a debit card nor the welcome packet yet. 

On XX/XX/2019 - I transferred {$15000.00} into the checking account On XX/XX/2019 - I transferred {$500.00} into the savings account On XX/XX/2019 - I was charged a $ XXXX monthly fee. I had maintained an average daily balance of well over {$10000.00} so the fee surprised me. 

On XX/XX/2019 - I contacted Citi and they said the charge was due to the accounts not being linked. I assume the accounts being linked is the norm since you can transfer money between them, but apparenty it is not. I was assured by XXXX at XXXX, XX/XX/XXXX : " I can assure you that you will not be charged moving forward for as long as the account is able to maintain the fee. '' On XX/XX/2019 - I was charged a $ XXXX   monthly fee. Once again, I had maintained an average daily balance of well over {$10000.00} as the balance of the accounts had stayed relatively the same since opening. 

On XX/XX/2019 - I contacted Citi about the fee and was told by XXXX at XXXX, " I have re-aligned the linking of the account, XXXX. This will be effective XX/XX/19. '' She said she could not reverse the fee though even though it was Citi 's fault stating, " As of the moment, we're unable to reverse the fee since it is a valid charge based on the terms of your account and due to the recent fee reversal made on the account for the past 540 calendar days. '' My complaints are as follows : - In XX/XX/XXXX on the day of the account opening Citi overdrew my account causing {$14.00} and {$48.00} fees which were waived. The cause was Citi bank overdrawing my acccount on the day the accounts were opened and not me. How I can I overdraw an account when I do not have my card or information yet? 
- In XX/XX/XXXXI was charged a {$25.00} fee, but I was unable to get the {$25.00} reversed because I already had a fee reversed in XX/XX/XXXX ( which was caused by Citi ). The Citi employee assured me the accounts were linked I would not incur another fee. 
- In XX/XX/XXXX I was once again charged a {$25.00} fee even though a Citi employee assured me the accounts had been linked and I would not incur another {$25.00} fee. This was Citi 's fault once again.

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 2019-06-14
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a mattress from Sears in XX/XX/XXXX for {$980.00}. I paid the balance off in full when I received the bill from Sears. I never again used the Sears Citibank MasterCard and called the Sears credit card department to close the account on XX/XX/XXXX at XXXX XXXX. I was never made aware during that phone call with Sears that the credit card had any current unpaid balance. I received a letter from XXXX XXXX XXXX this week that said my Sears MasterCard was charged off with a current balance of {$1500.00}. I never received a single phone from Sears or Citibank to notify me of three separate fraudulent charges on my credit card.  XXXX XXXX told me today when I called them that my card was used fraudulently three times in XXXX  XXXX, MO in early XX/XX/XXXX. I live in Virginia and have never stepped foot in the state of Missouri. I used my Sears MasterCard once to purchase my mattress. XXXX XXXX advised me today that once my Sears Citibank Mastercard was charged off and closed that it would not show up on my credit report. XXXX at XXXX XXXX told me it was the policy at Citibank to wipe it off my credit report when the credit card account is charged off and closed. I have my XXXX phone records and bank statements to verify that I was never is XXXX  XXXX, MO. Sears, Citibank and XXXX XXXX XXXX are attempting debt collection on fraudulent 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 2022-10-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent a XXXX letter last XXXX XXXX, 2022, however, I did not receive any responses from you. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) requires the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reported accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX  DA XXXX Balance : {$940.00} ; XXXXXXXX XXXX  DA XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I cancelled service with XXXX and paid my final bill. After cancellation, I continued to receive a bill for service I no longer had. Now this company has sent my account to collections and has reported to credit bureau for an amount they are fraudulently trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
equifax lower my score by 61 pts, nothing shows in report negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: EQUIFAX, 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:
In XXXX of 2019, I received a notification through my credit monitoring service that XXXX XXXX XXXX reported 30 and 60-day late payments to the 3 major credit bureaus. I have since disputed this erroneous information and sent a debt verification letter to Equifax requesting that they verify this debt, since I never opened an account with XXXX XXXX XXXX. I asked for very detailed and specific information, under the rights afforded to me through the Fair Credit Reporting Act. I was then sent a letter back saying that the information was verified, but did not state how. After sending a method of verification letter to Equifax, I received a notification back saying that the information has been modified and that there was a request made to the reporting company to verify the accuracy of the information disputed ; however, code 609 of the FCRA outlines the responsibilities of the credit bureaus as follows : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer ( Page 36 ).

609 ( c ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( Page 39 ) 609 ( c ) ( 2 ) ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. 

These codes clearly state that the information used to verify information in my credit report should be in the files of the credit bureau, not the creditor, and any information that can not be verified should be REMOVED. Since Equifax has been negligent and dismissive in their handling of my dispute, I am requesting a full deletion of XXXX XXXX XXXX collection from my credit file.

Company response to consumer: Closed with explanation