BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a checking account at Citibank when they had a promotional offer of a {$500.00} bonus for opening a Priority Account. The requirements to meet the {$500.00} bonus consisted of opening a new Citi Priority Checking Account, depositing more than {$50000.00} new-to-Citibank funds and maintaining that balance for 60 consecutive days, and having a direct deposit into the account at least once a month for 2 consecutive months. I have met all 3 requirements. The fine print stated that the {$500.00} bonus would be deposited into my account after 90 days. I would assume that they would have done this by XX/XX/XXXX. A couple of months ago, I went into my local Citibank branch and one of the customer service representatives assured me that they would make that happen. When the bonus still didn't post, I went back 3 weeks ago to inquire. They seemed to file some paperwork but the bonus still has not posted as of today.

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 2020-07-16
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving various bills from Americollect representing various hospitals in Wisconsin and enough is now enough. I do not attend these hosptials and the most recent one is from XXXX XXXX XXXX Hospital for XXXX. Several years now Americollect has been doing this and ive been blindly paying amounts that I do not owe in fear of my credit report. I have contacted Americollect about these debts that are not mine and the recorded phone calls have ended up in the operator saying they are not sure how to handle fraud, and me being hung up on. This is a serious and extremely crippling financial scam that I now need to spend more money for an Attorney to fight this company ( s ). When does it end? When will they stop? I do not go to these hospitals, XXXX XXXX XXXX has been the major culprit. Please some one has to know something on how to stop these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an XXXXXXXX XXXX credit that I paid off on XX/XX/2022. I made a payment of {$190.00} and ask to cancel the card. Two months later, the credit card company sent an email and saying that I owe them a payment of {$43.00}. Not one time did I get a statement in XXXX from them stating that I owe anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is my XXXX complaint to CFPB on this same issue with Navient. I am the co _signer on my XXXX XXXX loans and have been making payments per Navient since XXXX. These payments and due date have been set by Navient and on automatic debit from my checking account on XXXX of every month. Starting in XXXX of XXXX I received e_ elert informing me my payment is over due I call Navient to inquire and customer service rep was of no assistance telling me it appeared I overpaid and wait till next month payment to see if payment adjusts.In XXXX I get same alert and call again relay same conversation with previous rep and was told my due date was the XXXX and had 10 day grace period I told him Navient picked re-payment date so why the past due alert? He said he would adjust account. XXXX I get no alert of past due payment but in XXXX I get monthly payment notice but notice I am being charged a late fee. I call Navient again and voiced my frustration with matter and ask to speak with supervisor I was turned over to another rep ( not a supervisor ) and again go through process of explaining problem this individual ask for account and I read account # off Navient web site and she tells me this is Not a valid # for a private loan and insists it is my fault for late fees because I was not paying on XXXX but on the XXXX. I inform her that Navient picked date and continues to argue the point of it being me who is at fault I ask her why I had no issues from XXXX to XXXX? Her response " I did n't set up re-payment plan '' I demanded to speak with a supervisor ( XXXX XXXX and again explained my issue to her she came back as says I see the problem ( your payments have been mis-applied ) I ask her why this continues too happen ( XXXX time in 4 years ). She has no answer but would adjust late fees charged and I ask about interest charged how do I know it 's has not been mis-applied her comment was ( go ask my son he signed loan ) I ask for a loan and re-payment break down on XXXX of XXXX loans and was told she would send me original loan. I want the loan break down for loan # XXXX in original amount of {$6400.00} loan has been paid since XXXX/XXXX/XXXX and now is at {$5700.00} after 8 years of payment prove to me all payments have been applied correctly to this account. I have done Everything I can to uphold the contract on re-paying these loans but have spent way to much time and energy ensuring that Navient holds up their end of contract. I have had enough these loans do not end per Navient re-payment plan until XXXX I will not tolerate this type of behavior for another 27 years if CFPB can not help with this matter I will take the legal recourse that I seen appropriate. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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 sent an email requesting that a goodwill adjustment be made to my credit reports for XX/XX/2018 for my Capital One payment. The reporting was fixed on my reports for XX/XX/2018 ; however, my XXXX  report now has the 30 day late showing for XX/XX/2018. I have made numerous attempts to call my contact at XXXX. using XXXX as the 6-digit PIN with 7-digit extension of XXXX. I have left the number to use to contact me but I have not yet received any returned calls. 

Again, I've expressed my concern with this issue and I would like to maintain my relationship with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. The following accounts needs to be corrected immediately : XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed : {$7400.00}.

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: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am still affected by covid 19 and I can not pay this bill. I need another payment waiver.

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 2019-03-04
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I had a checking account with XXXX XXXX XXXX XXXX that had approximately {$12.00} in it. It was an account I didn't use for much of anything, as I have another bank account that I use regularly. Around the very end of XX/XX/2017 and beginning of XX/XX/2017, while I wasn't even in the country, several unauthorized small charges were attempted multiple times, prompting XXXX to confiscate my {$12.00} and concoct approximately {$300.00} worth of fees. I explained to XXXX that these charges were not authorized by me and that I wasn't even in the country at the time. Pursuant to XXXX 's instructions, I submitted a dispute form which I still have a copy of. The person handling this dispute with XXXX was very rude in the responses to me, failing to properly adjudicate this matter. XXXX claims I owed them approximately {$300.00}. I would have no problem paying an amount that I actually owe, but XXXX owes me my approximate {$12.00}. XXXX put a derogatory charge off statement on my credit report, which is showing to this day. I have repeatedly attempted to contact XXXX to get this matter resolved, but XXXX has no intention of doing the right thing. That's why I am contacting the CFPB, as I hope to avoid having to travel to XXXX, NC, for a court date, but my next step if this can't be resolved is to take XXXX to court.

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 2019-03-04
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I had a checking account with XXXX XXXX XXXX XXXX that had approximately {$12.00} in it. It was an account I didn't use for much of anything, as I have another bank account that I use regularly. Around the very end of XX/XX/2017 and beginning of XX/XX/2017, while I wasn't even in the country, several unauthorized small charges were attempted multiple times, prompting XXXX to confiscate my {$12.00} and concoct approximately {$300.00} worth of fees. I explained to XXXX  that these charges were not authorized by me and that I wasn't even in the country at the time. Pursuant to XXXX 's instructions, I submitted a dispute form which I still have a copy of. The person handling this dispute with XXXX was very rude in the responses to me, failing to properly adjudicate this matter. XXXX claims I owed them approximately {$300.00}. I would have no problem paying an amount that I actually owe, but XXXX owes me my approximate {$12.00}. XXXX put a derogatory charge off statement on my credit report, which is showing to this day. I have repeatedly attempted to contact XXXX to get this matter resolved, but XXXX has no intention of doing the right thing. That's why I am contacting the CFPB, as I hope to avoid having to travel to XXXX, NC, for a court date, but my next step if this can't be resolved is to take XXXX to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent are fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hello, My capital one checking account, specifically my debit card was compromised and the account was fraudulently charged starting XX/XX/26 from various merchants out of XXXX. After reaching out to capital one several times to get updates I was told by a representative today that all my claims had been denied and the reason for that denial was that they did not follow a normal fraud pattern and I had access to the account. 

While it is correct that I had access to the account I disputed these charges as soon as I was allowed to by capital one, which was as soon as they posted. Capital one could not provide me with any more information as to why they denied the claims, what the charges were for or how they can possibly think that charges coming out of XXXX had anything to do with me. My account history clearly shows that in all my years with capital one there have not been any foreign transactions and what seems to be blatant fraud capital one took 5 days to deny the claims without properly researching the matter or gathering information from the merchants. 

My account has been completely wiped out and when I expected my bank to protect me they completely failed. 

Below are the claim numbers and amounts. 

XXXX CLAIM XXXX AMOUNT {$33000.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLAIM XXXX AMOUNT {$4900.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX CLAIM XXXX AMOUNT {$4700.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$6900.00} CHARGES SHOW MERCHANTS BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never transacted or authorized any of these merchants from XXXX to charge my debit card. Capital one needs to fully investigate these charges and protect me as their customer from malicious activity. 

I look forward to a speedy resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: MO
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:
In XXXX i allowed EQUIFAX XXXX to do an employee Screening for a Job that i had started At XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX . 
The next season which was the same year of the databreach in XXXX i was not hired because i didnt pass the screening. I was never even able ti View my W-2 or Paystubbs or anything.

Until This Day i have Been unable to recieve a real CREDIT REPORT OR EVEN A FREEZE BC I AM DENIED ACCESS. THE CREDIT REPORT I FINALLY RECENTLY RECIEVED AFTER 5 YEARS AND IDENTITY THEFT DID NOT LOOK AUTHENTIC AND WAS COMPLETELY EMPTY. MY HIRING PROCESS WAS THROUGH THEM SO HOW WOULD MY REPORT BE COMPLETELY EMPTY?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
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:
YesterdayIwenttothecardealershipandtestdroveacoupleofcars.I'mindeepthoughtofgettinganewvehicle.Iwenthomeandcheckedmycreditreportjusttomakesuremyscoreisuptopar.WhiledoingsoInoticedacoupleofitemsonmycreditreportthatarenotmine.Thisisunacceptable.Ineedtheseitemsdeletedfrommyreport.I'mworkingonthisallonmyown.IcontactedthepoliceandFTC.Thesearetheitems:XXXX,XXXXXXXXXXXXXXXX,XXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXX,XXXXXXXXXXXX,XXXX,XXXXXXXX.inquiries:XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Denied credit card in error, CitiBank refusal to address concern, repeated denial over the years. Perfect credit ( above XXXX ) amongst all 3 major credit reporting bureaus, long credit history, and great debt to income ratio.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX this CFPB complaint to you today as a follow up of the previous CFPB Complaint I submitted to the Credit Reporting Agencies on XX/XX/XXXX. I previously sent a dispute letter addressed to the Credit Reporting Agencies on XX/XX/XXXX, with complete attachments of my personal information as well as the XXXX I received from the FTC, requesting the removal of the disputed accounts and information from my Credit file that are completely unknown to me. I have read that under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove any accounts and information not later than XXXX business days after the date of receipt. Also, in the event that the Credit Bureaus claim that the disputed accounts and information belongs to me, I require the Credit Bureaus to send me copies of proof of verification. I have previously included these items on my first CFPB Complaint and I am including them once again. Please have the following items removed from my Credit File as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX  {$230.00}

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 2023-05-12
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a consumer loan for a XXXX XXXX XXXX. on or about XX/XX/XXXX I sold the car and its still showing up on my credit that I have the account and I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My sister passed away without a will or assigned beneficiary. Her next of kin or survivor is her XXXX XXXX XXXX son. Her total assets is {$200.00}, making her estate non-probate in the state of Arizona. Chime is refusing to release the funds from the account addressed to her survivors name without probate paperwork. They are requesting a small estate affidavit and they do not have a payable on death affidavit or beneficiary procedures. XXXX is refusing to release funds outside of her estate name without the court paperwork. To file for a Small Estate Affidavit, it is {$350.00}, which is more than her total assets of {$200.00}. 
Chime has refused to speak over the phone, refused to escalate the issue to supervisors or higher ups, and will not discuss this further. 
From what I understand according to AZ state laws regarding rights of survivorship, intestate succession, and legal heirs, her son shouldnt have to follow any court procedures to receive these assets. Weve provided a signed statement of death from the funeral director, certificate of death and identification, however Chime still will not issue the funds to the legal heir under non-probate laws, Arizona XXXX XXXX laws, and whichever may apply to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an account with PNC BANK and for the last few years I had a problem with overdraft charges, several due to slow posting of withdrawals. I would check account and it was fine and then I would get several NSF charges due to not posting correctly. I had several small pmts and they posted larger ones and made smaller ones msg. They posted and cleared a check and then 3 days later backed it off. Please help

Company response to consumer: Closed with monetary relief