BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: CITIBANK, N.A.
State: MA
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/2023 I spotted 2 unauthorized charges on my CIti Dividend card from XXXX, one {$15.00} and another {$55.00} and notified Citi. Citi closed my old card, issued security credit and started an investigation. On XX/XX/XXXX Citi sent me a letter saying the 2 charges were legit and put them back to my new card. It was puzzling how they made that conclusion since the orders were placed from an email which was different from the one I registered with XXXX or Citi.com. I called Citi 's Security Operation. The agent said they will re-start the investigation. When asked whether I should pay the charged while the investigation was going she specifically told me " no, you don't have to pay ''. These 2 charges were the only thing on my XXXX statement so I didn't send any payment. Then the XXXX statement came with these charges as overdue together with a late fee. On XX/XX/XXXX and XXXX I called again, the agent promised they would credit my account but nothing happened. On XX/XX/XXXX I asked to speak to a supervisor. this time she said the Security Operation couldn't issue a credit while the investigation was on going and there was nothing she could do and " suggested '' me to pay. When asked to speak to her supervisor she said they can only be reach via snail mail. 
I've been a Citicard holder for 20 years and kept a perfect payment record. Now my credit is affect purely because of the incompetence of the Citi Security Operation agents and the couldn't-care-less attitude of the " supervisor ''. 
Yes Citi is a giant cooperation so much so that they think they don't have to care about their customer 's satisfaction. I doubt how effective this complaint would be in solving my problems but I still would like to put my experience out here on record.

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 2020-12-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Upon checking my credit report, I noticed a card issued in my name but was for a company account that I did not authorize. I have repeatedly requested from Chase Bank that they send me the signed agreement which they have not done. 

It has been over 10 months and nothing from Chase, no proof of any contract that I ever signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I canceled card and requested just the balance owed so I could make payments to pay it. My original balance was XXXX but they keep sending Bill 's with more interest and emails. It is up XXXX now. I am a very low income XXXX who lost my job do to a XXXX. Need help with this please. These letters and emails are causing me too much stress and making me ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My child was personal information have been report to a credit bureau, this is fraud

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 2018-07-24
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Call is from Citi Cards. They keep calling me over a MasterCard debt. I finally decided to address them today in-depth after I've already told them before not to call. I told them I do not have a MasterCard. I told them very firmly. They accused me of yelling at them when I was just firmly stating I do not have a Mastercard. At which point I said I only have visas that's how I know I don't have a MasterCard debt. Then they said well that's great we can help you with your Visa debt to you can save thousands of dollars. I said no thank you please take me off the list. They refused to even listen to me. I ask to speak to a supervisor. I asked repeatedly. He kept interrupting me and finally said I am the supervisor. I said great. Please remove me from the list. He refused and kept telling me no no no no no no. This needs to stop. I told him he would be reported.

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 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through transunion, XXXX, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. Transunion, XXXX, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.

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 2023-05-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Pennymac has repeatedly refused to remove PMI from my loan. Original loan amount is {$94000.00} and current balance is {$67000.00} ( nearly 30 % lower ). The Homeowner 's Protection Act states that FHA and VA loans are not covered which my mortgage is neither of those. On XX/XX/2023 I will officially have had this mortgage for 10 years and in those 10 years I have not only had a great payment history but have actually paid MORE than what has been asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have opened a chime bank account and transferred my money from my old bank account to this new chime one, it was a XXXX XXXX transfer from XXXX to chime. At first they restricted the account and asked for documents to get it unrestricted, they did nothing. The other day they locked my account and I called numerous times and sent emails to get back into my account as all my money is in it. Now today I wake up and get emails saying all my accounts with this bank have been closed with all of my money still in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TD BANK US HOLDING COMPANY
State: IA
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 financed a vehicle through TD Auto Finance in XXXX. I was on autopay for the entire 5 year loan. I have credit monitoring and noticed I had a 30 day late so I called the company. They explained that contractually I agreed to make the final payment not using autopay and that is why the last payment was not taken out. I asked them why they didnt send me a notice or give me a call as a reminder as I have paid on time the entire contract. The rep did not have an answer for this question. I asked him if he would remove the delinquency based on my situation and he agreed to do that and I made the final payment. 

This was back in XXXX or XXXX of XXXX and I checked a couple months later and it still was showing on my credit report. I called TD Auto and talked with a rep who said that the 30 day delinquency was valid b/c I contractually agreed to it. I went through the same story I did with the prior rep and she said that a request to remove the delinquency was never submitted and that I would need to do this through the formal dispute process. 

This is extremely frustrating given I paid a five year loan on time, through auto pay and had a TD representative confirm he would remove the delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was fraudulently opened in my name at Wells Fargo. They will not disclose who violated me and my personal information. I have reached out to them by phone and email with no response. I am wondering if Wells Fargo is up to their old tricks. Did they open this account in my name? Is this the reason they will not tell me who did this?

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 2019-09-03
Company: LEXISNEXIS
State: NJ
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:
Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. Lexus nexus and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have tried on multiple occasions to get TransUnion to follow FCRA and in turn respect my rights in this matter. I have asked TransUnion to on at least 4 occasion to validate this account, as well as on multiple occasions as TransUnion to present me a description of the procedures used each of these disputes. TransUnion refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! 
NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY

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 2017-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
We paid Capital One {$14000.00} and {$500.00} on XXXX XXXX, XXXX. The payments were posted and removed from our XXXX XXXX account on the XXXX, the next day. We also received an email from Capital One stating that the payment was posted. However, Capital One will not authorize us to use the credit available from these payments for an additional week. 

I called Capital One today, XXXX XXXX, and they told me that state law permitted them to not release the available credit for up to a week to ensure funds received ; however, they acknowledged that they already received the funds. This does n't seem right, and I ca n't find anything in my credit agreement that would permit them to do this. 

To be clear, they took the payment money from my account already and acknowledged that they received it. So why not release my available credit as promised on my cardholder agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRIAD FINANCIAL SERVICES, INC.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Triad Financial will not let me purchase my own insurance, or even pay for my taxes on my own. According to Triad, the escrow is figured into my monthly payments. They bill the insurance ( of their choice ) onto the balance of the loan, therefor you will never make progress to pay off your loan. This has occurred for two years. 
I tried to get my own policy through another insurance company to avoid my monthly payments being raised. I am on a limited income and can not afford {$400.00} home payment. I purchased my policy out of my pocket, contacted Triad to cancel my previous policy they provided me. After 45 minutes on the phone and a rude operator later, I asked to be transferred to the escrow manager. I spoke with XXXX XXXX of the escrow department. She stated to email her a copy of my policy and a email stating to cancel the policy and she would be able to cancel it, she had to have this information. I was also told I couldnt call the company and cancel it myself. They went behind me, bought my policy from my new insurance company and are STILL putting this onto my note. Therefor still increasing my payments. 
Fast forward to today, I received a past due notice from that previous insurance ( which damages my credit ) stating I owed them. My insurance policy was never cancelled even when I did follow all the proper procedures provided to me by Triad, in total I sent her 4 emails. I had to call the company and cancel it myself, only then an hour after I canceled the plan on my own did I get a call back from them, after trying to contact them for weeks. 
They also stated to me today I not only owe the money for my new insurance plan but also {$500.00} more due to shortages in insurance/tax fees from the previous years. 


I feel that Triad Financial takes advantage of their customers. I have owned my home for two years and have only actually paid {$1300.00} to the balance. 
They are rude, unhelpful and always give the run around Im trying to solve an issue or get a simple answer for a question. I feel as I am being taken advantage of as a customer and it needs to be stopped. Price gouging, increasing payments until customers cant afford them anymore, and trapping them into contracts is NOT the way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Cheveron/Texaco I was recently the victim of Identity Theft I closed several of my accounts. I decided to no longer make payments on-line. I contacted the company and spoke to XXXX, XX/XX/XXXX at XXXX to changed my payment due date and reported that I made a payment by XXXX extra ( {$4.00} ). The young man said the date would be changed for the next billing cycle. I had him to update the account with the XXXX reference number. 

XX/XX/XXXX, I receive my bill and it had the late charge. I contacted the company and spoke to XXXX. She did not even let me explain but began to tell me how payment are processed by third party company. I told Ms. XXXX that I was aware that XXXX ( spoke to on XX/XX/XXXX ) had explained this to me ( I was not aware of third party payments ). I am never late with this payment. She was not very understanding but like a machine. 

I asked her about the payment due date she placed me on hold for 10-15 minutes. She said her manager XXXX said the due date could not  be changed on a closed account. I had more questions, she said would you like to speak to her I said yes. She transferred me to XXXX. Ms. XXXX tone when she answered the phone she seemed annoyed. I was not asking for anything just a due date change. She proceed to tell me that once an account is closed the due date can not be changed. I asked if I had any other options. She said no, " automatic billing '' ( she did not listen to my Identity Theft story and how I am not paying bills on-line ). I asked Ms. XXXX if the account can be opened and closed again after the due date is changed. She said an account has to be re-opened within 24hours. 

These two ladies showed no compassion or understanding for their customer. Just because I am no longer an active member you don't have to be non- understanding.

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 2020-06-01
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I made a purchase for a face mask using my PayPal account. The company that I purchased from disappeared and thousands of reviews and posts have verified that this company has scammed me. 

I contacted PayPal in order to get a refund on the item but they are assisting the company with scamming customers and are refusing to refund me my money. I've tried several times to contact PayPal and provided several documents and evidence proving the company is scamming customers and they are still refusing to refund me. 

PayPal is actively encouraging and endorsing scam and fraud by doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-10
Company: DISCOVER BANK
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I co-signed a student loan for my nephew. His monthly payment is {$100.00}. He is late on his XXXX payment, and I have been repeatedly harassed by Discover Student Loans for the past several days. 
Today alone, they called at XXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX., and just now at XXXX XXXX., when I told the person on the other end I was filing a complaint for harassment. What did the person do? HANG UP ON ME! 
In addition to these repeated calls, this is what I have had to endure : -REPEATED emails -A letter in the mail threatening, " We provide payment history to consumer reporting agencies each month, so please remember to pay the past due amount and the regular monthly payment to bring your account current. '' ( I encourage you to check my credit history! It is impeccable! ) -I could not figure out why I started getting REPEATED calls AND TEXT MESSAGES from companies offering to help me pay my loans. I could not figure out why, but now I know they got MY INFORMATION from DISCOVER! AGAIN, CHECK MY CREDIT! This is severe harassment against someone with impeccable credit because my nephew is ONE MONTH behind on his loan payment. Here are a few of those messages : " HI XXXX. You could be pre-approved 4 up to 5K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. 
" Greetings XXXX. you may be approved 4 as much as 2K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. 
" XXXX, I want to make sure we have a call. Call me back to talk about forgiveness for past college cost. '' From XXXX XXXX, XX/XX/XXXX, at XXXX XXXX. 

I have blocked each of these numbers and have reported them, but when is enough, enough?? 

PLEASE HELP ME STOP DISCOVER FROM HARASSING ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Huntington Bank went and left XXXX XXXX XXXX XXXX garnish my bank account when I didn't recieve a notice about it and my only income is XXXX XXXX  is not allowed to be garnished. The debt is like XXXX XXXX XXXX and the company is making look like a new debt when it isn't and they say I am the only one that owes the debt when I ain't they removed the other party from the debt and seem to only go after me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation