BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2021 I paid off my Citi bank Costco credit card the balance was XXXX. I was given a confirmation number of XXXX and a document that showed the account paid in full with no payment due and no current balance. Later, XX/XX/2021, I received an email stating that owed {$370.00}. On XX/XX/2021 at XXXX XXXX after learning about the e-mail I called the customer service number and talked to an representative about the issue. They told me it was a finance charge. I had not used the card for anything and had placed a block on the card so others could not use it either in XX/XX/2021. I asked to remove the charge and she said she would try but was not always allowed to do so. She told me that she had removed the charge and everything was all set. I asked if I again had a XXXX balance and she said yes. I then asked her to close the account. She explained that I would forfeit the rewards I had accumulated on the account and I said that was fine. She explained that I would be getting confirmation that the account was closed. 
On XX/XX/2021 I received a letter in the mail from Citi that was dated XX/XX/2021 stating that " We've determined that your account is not eligible for a credit of the finance charges. '' I called about this and was told that I would have to pay the charges. I do not believe that I should have these charges because I was provided with a document that showed a XXXX balance by them and have a reference number to prove this. I also was told by a company representative that I had the charge removed, I also had closed my account after making sure that all charges were removed and the balance was XXXX. Lastly how can I be charged after the account had been closed with a XXXX balance? Furthermore the interest rate charged on this card after missing an ontime payment was extremely high and was a severe hardship on my family. We felt we did the right thing by the company and paid our bill in full as soon as we were able. Only to feel further pressured by them after wanting to distance ourselves from this corporation.

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 2021-11-29
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im being garnished by LVNV FUNDING LLC, I didnt receive any information for the state of XXXX who allowed the garnishment, I found out because my job sent a letter about the garnishment. I dont live in XXXX but work there im. Im just trying to understand why I was notified and how XXXX can approve garnishment when I dont live in XXXX anymore. I got a default judgement because I wasnt notified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This has been going on for over 6 months, I attempt to use the card and they will not allow me to use it on the most recent purchases made XX/XX/2021 Total {$860.00} and XX/XX/2021 Total {$120.00}. The second order # XXXX, they cancelled 2 days after I made the order. This lack of access to my account of has caused me to lose out on {$50.00} in Macy 's as well as my Platinum status with the card which is also a loss of benefits. A representative placed a hold on my account without notification and restricted my account use and I have lost access to {$2500.00} in my available credit. When questioned, they refuse to tell me who placed the hold and when. They have cancelled over 7 orders in the last year totally {$1500.00}. Additionally, they have requested I give them the password to my account to representatives in the XXXX ( which is not advised as a XXXX XXXX XXXX XXXX ). They apologize but will not restore my Platinum status or give me the {$50.00} in funds to shop with that I lost on.

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 2018-08-29
Company: CITIBANK, N.A.
State: NY
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:
Applied for XXXX XXXX card on XX/XX/XXXX ( XXXX Bank Visa ). Purchased {$160.00} at that time. ( See attached document ) Received card at home address about 2 weeks later. 
Called on same day for billing information and paid same amount ( {$160.00} ) by check on XX/XX/XXXX. Never received bill in mail. 
On XX/XX/XXXX I ordered item on-line from XXXX XXXX. Amount of item was about {$100.00} Forgot about this item among XXXX shopping spree. 
Unknown to me, XXXX XXXX bills were being sent to wrong P O box. Never had XXXX XXXX   XXXX. 
XXXX Bank never notified me of returning bills even though they had my telephone number, home and E-mail address. 
Account grew to {$290.00} in 6 months due to fees and interest. 
Account was sold to Citi Bank in late XXXX of XXXX. 
Citi Bank called me by phone upon receiving account and account was settled onXX/XX/XXXX. 
I declined offer of XXXX XXXX Mastercard from Citi Bank. ( See attached document )

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 2019-05-20
Company: LEXISNEXIS
State: NM
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:
This complaint is about the unauthorized LexisNexis inquiry that was performed XXXX, XXXX, XXXX on me. I learned about this LexisNexis search from an XXXX credit report dated XX/XX/XXXX, report # XXXX. I did not give permission verbally or in writing to anyone or any party to conduct any LexisNexis inquiry or search about me. LexisNexis did not provide this critical information after I formally requested it. 
For this unauthorized LexisNexis search, I called XXXX the same day I received the copy of my credit report. XXXX representative advised me to call LexisNexis. 
I then called LexisNexis asking to know who requested the LexisNexis search on me. Their representative said We dont know the party, request your whole file. As part of that phone call, I requested my whole LexisNexis file. The LexisNexis representative told me that this is the only information available to me for this unauthorized report about me. 
On XX/XX/XXXX I received a damaged envelope from LexisNexis that contained only 19 pages of the 400-page report. I reported this loss to the USPS and to LexisNexis immediately upon receipt. 
On XX/XX/XXXX I received the full LexisNexis report that was 400 pages only to find that it did not include the information I needed the identification of the party who requested the unauthorized LexisNexis search about me dated XX/XX/XXXX. LexisNexis did not provide the critical information the identity of the person originating this search. I was and am extremely concerned about the sensitive information in this report. I am concerned that I am the target of identity theft. ( I froze my credit with all three credit bureaus immediately. ) As part of my own due diligence and wanting to know if vendors serving me - XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, my local utility companies, XXXX XXXX, XXXX XXXX, and XXXX might have initiated a LexisNexis search, I called them and they said no. None of these vendors requested a LexisNexis search on me. In fact, I was advised that it is not a normal business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: AES/PHEAA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Resurgent Capital Services L.P.
State: GA
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:
XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX amount {$530.00} opened XX/XX/XXXX closed XX/XX/XXXX Acct # XXXX LVNV FUNDING LLC Original creditor : XXXX XXXX amount {$520.00} opened XX/XX/XXXX closed 90 days later Acct # XXXX LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX. amount {$770.00} opened XX/XX/XXXX closed 90 days later due to non payment Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I was at the XXXX XXXX XXXX with a friend, XXXX XXXX, and she won a jackpot in the amount of {$18000.00} ( see attached ). XXXX XXXX friend, XXXX XXXX, was with us and offered to cash the winnings at the cashier 's desk for her, because XXXX XXXX didn't have id with her at that time. The jackpot was accepted and cashed with the appropriate ID for XXXX XXXX transactions and accounting purposes by XXXX XXXX XXXX and the money exchanged and distributed as follows : {$10000.00} in cash, a {$2500.00} check, the check in question that was transferred to me, and {$6100.00} held for taxes. ( See attached ) At the same time XXXX XXXX XXXX signed check number XXXX for {$2500.00} over to me, as it was being given to me by XXXX XXXX the person that won the jackpot. These transactions can all be verified a XXXX XXXX and by camera surveillance at that time. I did not anticipate a problem. On XX/XX/2018 I lawfully deposited the check into my Chase Bank account, thinking that the check would clear because it had cleared at XXXX XXXX XXXX XXXX ( See attached bank statement ) Signing a check over is a common practice and is accepted by financial institutions. However, unbeknownst to me, a hold was placed and the funds frozen from my access. The {$2500.00} check was then withdrawn from my account on XX/XX/2018 ( see attached statement ) without reason leaving a balance of {$1.00} and on XX/XX/2018, Chase issued a check for the balance of {$1.00}, check number XXXX ( see attached ) and closed my file. Again without explanation or reason. This is totally unacceptable as I was never given a reasoning for the closure nor for this check being withdrawn, not paid to me and/or not returned to XXXX XXXX XXXX. XXXX XXXX XXXX assured me that the funds were there and there was no issue on their side. However my account was with chase. As a consumer I have a right to know why my account was blocked, the funds withdrawn and eventually my account at Chase closed. Where are these funds now? What is being done with the funds at this time? I am a XXXX XXXX of the XXXX XXXX XXXX and would not have done anything unlawful. 

I made several attempts and calls with chase to address this however without a reasonable or valid explanation. They had no lawful reason or cause to hold these funds from me. It has now been 3 months, sufficient time has lapsed and I am still without the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: LendingUSA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
LENDING USA ARE AN UNSCRUPULOUS AND XXXX COMPANY! THEY CHARGE ALL OF THE INTEREST UP FRONT WITH XXXX " ORIGINATION FEES '' OVER 60 % INTEREST ON SIMPLE LOANS!!!! 

THEY OVERCHARGED ME HUNDREDS OF DOLLARS OF INTEREST ON A LOAN THAT I HAD FOR ON A COUPLE OF WEEKS. 

PLEASE LOOK INTO THIS BUSINESS XXXX BUSINESS PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: PNC Bank N.A.
State: PA
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 was charged multiple times by XXXX inaccurately. After speaking with PNC a few times about this an investigation was to be done. I also spoke to XXXX about it as well. The problem was that my PNC bank was supposed to have been disconnected from XXXX but it never was even after calling XXXX to verify it. This began around XX/XX/2019 with a charge of {$12.00} from XXXX which was then refunded because of NSF. This happened numerous more times causing an increase NSF fees and other transactions to bounce as well due my account becoming overdrafted. Even though I attempted to balance out my PNC account by adding money but it was never enough. XXXX even drafted my a letter to verify this. Only for me to later found out that XXXX had once again misused a bank account that was supposed to have been removed. I attempted to get into contact with PNC who told me that they had to forward me to another team to resolve my issue but they couldn't because transferring in house didnt work? However when I attempted to call the number given, that didn't work either. Now I am sent a collection letter for money I shouldn't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My Complaint is Against United Wholesale Mortgage ( UWM ). 
On XX/XX/XXXX my loan was paid in full ( by way of a Refinance also with UWM. I have never had an Escrow account with either of my mortgages with UWM ( I pay my own property taxes and homeowners insurance ). I am owed a Refund for Overpayment of the Paid in full loan- Not a refund of any Escrow account as I've never had an escrow account with UWM. The amount I'm owed is in Excess of {$3500.00}. It is now XX/XX/XXXX ( 41 Days Later ) and I have still not received my money. 

On XX/XX/XXXX as per UWM online records, UWM received wired funds to pay the mortgage in Full of {$480000.00}. On that day the Principal Balance indicated on their website was {$480000.00}.

On the UWM Website, it indicates 2 refund payments, one for {$3600.00} and another for {$4.00} both on XX/XX/XXXX and both with the reference " Escrow to Mortgagor Disbursement '' On Monday XX/XX/XXXX at XXXX XXXX, I called UWM to find out the status of my refund ( Loan had been paid off over 30 days at this point ). I spoke with the initial representative and then a supervisor ( didn't document their names ). They both gave me different dates as to when my Check had been mailed out and the initial representative further told me that they do not control the USPS. After getting conflicting information as to when it was mailed and when I might reasonably expect to receive my refund, the supervisor said that it could take up to 10 days from mailing date and recommended I wait until at least the end of the week to see if it arrives in the mail ( XX/XX/XXXX or XXXX ). 

On Wednesday XX/XX/XXXX at XXXX XXXX, I called UWM for a 2nd time, this time Representative XXXX told me they recommend waiting at least 21 days from mailing date and so i should wait a while longer. I told her that was now unacceptable and that I wanted the payment reissued to me in an overnight package. She sd. that couldn't be done. I asked why a multibillion dollar corporation could not use XXXX or XXXX  XXXX to expedite my overdue refund. She just continued to say it was not possible. Lastly, I asked simply how I could get my money as soon as possible. XXXX sd. that all she could do was request a cancellation of the supposedly mailed check and reissue which would now take 3 to 4 days of additional processing time and then whatever regular USPS mail time would be. I said OK, well whatever you need to do to get me my money. 

I feel that UWM is playing games, is not being forthright in issuing me a Refund and may be in breach of the law. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am closing a mortgage with Wells Fargo but cant complain enough about my process. 

I was told by a underwriter, my loan officer, the executive office, and my Lon officers boss that I was for sure going to be approved, something I am quite sure you are not supposed to say. Every self imposed deadline was missed keeping me buying my nails to the end. I continued with other lenders but when I put them on the titles Wells reasserted themselves onto my title without asking me all they said is they could for sure close. This kicked off another lender that had already approved me. It also means I now have no choice but to trust Wells to close my mortgage with no approval as financing deadlines are this week. This anti competitive and meant I had to go Wells Fargo not XXXX XXXX  XXXX. They have missed every deadline and would not honor my request to apply without my fincee despite me qualifying. Lastly I am applying with long term XXXX  income and I am aware of some violations in how my XXXX  income was underwritten. I am also XXXX  and they struggled to accomdate it by allowing verbal answers to the underwriter. I had to inform them they could not ask about the specific nature of my condition, medical questions, ask for policy documents vs. standard income verification I alerted them to HUDS guidance on grossing up post tax income. Honestly, Im aware of Wells consumer issues and this has been a awful, stressful, and predatory process

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 2018-08-29
Company: General Motors Financial Company, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2018 at XXXX GM Finanacial repossessed my car saying im 3 months behind on payments, well 2 months and 6 days to be exact. My payments a month are {$310.00} they have given me until tomorrow morning to pay {$1600.00} to get it back or its going to be sold at auction. Thing is i always have paid by check from my bank account which i have ALL statements showing im only 6 days behind on XX/XX/2018 payment. Their monthly statements are NEVER right when i make a payment instead of it being taken off balance and reduced its like they add that amount to whats owed and the total EVERY month rises instead of reduceing. Even w proof they refuse to give me my car back even though it was an illegal repossession. Even if i was 3 months behind that total owed would only add up to be {$930.00} but yet they r demanding a {$1600.00} payment or i cant have my car back. Thats an extra {$660.00} for what is my question which of course they have NO answer for. So i have contacted a lawyer and i am sueing them over this. U might also want to go to their website Gm Finanaical.com check out tbeir complaint section, they have 801 complaints 554 of which are over financial or payments from that many more customers going threw same thing with same problem. 
Someone there is pocketing all this money that keeps disappearing or never arrives. Oh and evrytime you call these people u are only allowed to speak with a CSR the supervisor is NEVER in or available. Plus i have been completely harrased by these people they literally call my house 4 to 5  times daily for the last 5 yrs over this car payment. That itself is against the law not to mention i draw XXXX and i am a very sick women and this is absolutely ridiculous to have to deal with this on a daily basis and be treated like something lower than a dog by these people. They are rude and completely unhelpful. Something needs to be done a business of ANY KIND should not be allowed to harrase people or treat people this way ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I got invalid interest charges every month although I made full last statement 's balances by the due dates. I have been charges interest since XXXX to XXXX and I contacted customer service many times via email, messages, phones but Citi kept saying it 's valid charges and gave me no more explanation. I still make full payments except the invalid interest charges until the issue is resolved. Customer service specialists were not helpful and they always told me to do sth to avoid charges, but I followed and still be charges appr {$65.00} each month just for interest on zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Despite my on time payments and credit score rising 100 points form XX/XX/XXXX to XX/XX/XXXX credit score was lowered causing utilization to rise and credit score to drop. Criteria used to determine the decrease was pulled in XX/XX/XXXXbut score used was fromXX/XX/XXXX without my authorization. Creditor directed me to contact XXXX who is not responsible for the decision. Creditor is Walmart/Synchrony.

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