BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
Company: CITIBANK, N.A.
State: TX
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:
Received credit card bill Previous Balance : {$20000.00} Payments made prior to the Previous Balance Due date {$31000.00} New Balance {$7800.00} Included interest charges of {$180.00} based on one XXXX cash advance of {$300.00}, of which {$170.00} in interest charges was for Standard Purchases. 
In addition, there was a {$15.00} XXXX fee and {$2.00} interest on the cash advance imposed by Citi. 

Citi Supervisor on XX/XX/21 at XXXX XXXX  XXXX advised that they charge interest based on the average daily balance anytime there is a Cash Advance - ie XXXX. 

The " About Interest Charges '' included on the billing statement : " How to Avoid Paying interest on Purchased. .. We will not charge you interest on purchases if you pay your monthly Flex Plan Payment Amount ( if any ) plus your New Balance, excluding any Citi Flex Plan balances, by the due date each month.... We will begin charging interest on cash advances and balance transfers on the transaction date. .. '' Nowhere does it state that Citi will charge interest on Standard Purchases based on the average daily balance for the billing cycle if you take a Cash Advance.

I asked for where it states that in the contract. Supervisor XXXX started making up language that does not exist, such as stating the About Interest Charges read, " We will charge interest once you take a Cash Advance based on your average daily balance. '' I asked to speak to his manager and was told that his manager is XXXX and XXXX is not working tonight.

I am asking that the {$170.00} interest on Standard Purchased be reversed.

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 2020-07-01
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
This is an amazingly simple matter to understand even though none of the numerous customer service people we spoke to seem to understand it. It is even a refinance within the same mortgage company so, every bit of information needed to perform a detailed analysis is right there and available. 

The bottom line is that we overpaid on our mortgage in the amount of {$3500.00} ( one payment XXXX yet Freedom Mortgage will not return our money to us. 

Loan closing took place XX/XX/XXXX Payment of {$3500.00} made to mortgage XXXX XX/XX/2020 ( we were unable to stop it due to the timing ). 
It appears from subsequent documentation received that the XXXX payment was applied to the original loan payoff amount even though we had closed on the loan prior to that overpayment. ( this is not the complaint ). So, this would have reduced the payoff by XXXX. 
Since the original loan amount ( which had not changed ) was based on a payoff that was {$3500.00} higher, we are still due that amount as part of the refinance. 
It is really that simple yet, after 2 months we still have not received the funds ( our own money actually XXXX due us. 

XXXX, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a new mortgage through a company called LoanCare ( My mortgage has been sold several times since I first got it back in XX/XX/2017 XXXX and I found out that when I make my payments online, there is a {$5.00} payment fee after the XXXX of the month and a {$10.00} payment fee after the XXXX of the month. I was under the impression that there could be no late payment fees until after the XXXX of the month on VA loans. Here 's the breakdown : Online payment XXXX of the month though the XXXX of the month- No Fee Online payment XXXX of the month though the XXXX of the month- {$5.00} Fee Online payment XXXX of the month though the XXXX of the month- {$10.00} Fee The only way to avoid these fees is to either mail in your payment, or set up and automatic withdrawal. 

While they may not be calling these fees " Late Fees '' they are fees that are assessed based on the day of the month that you pay, e.g. late fee. This seems like a shady business practice and not in line with what the VA envisioned when they created the rule that there can be no late fees before the XXXX of the month.

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 2020-08-20
Company: EQUIFAX, INC.
State: TX
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'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME CLEARING THINGS UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CITIBANK, N.A.
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
The company has been billing me for add-on ( debt protection ) feature I did not authorize. In XXXX of 2018, I asked the company to provide proof to validate charge or refund money. As of the writing of this complaint this has not been resolved.

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 2018-08-20
Company: Cascade Capital, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On or about XX/XX/18 I make a cease and decease letter to Cascade Capital , LLC XXXX XXXX XXXX XXXX XXXX , XXXX and to XXXX XXXX XXXX, XXXX in the amount of XXXX. on XX/XX/18 a letter was drafted by XXXX XXXX XXXX XXXX XXXX. This letter was drafted after I mailed them both a cease and deceased letter explaining to them not to contact me. I do not owe Cascade Capital , LLC anything they brought this debt and my account with XXXX is closed. 

Can you please assist me further with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a debt collection bill from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount fo {$2300.00}. Per the state for Florida Statute 95.11 in regards to private loan debt collection, the statute of limitations has expired for this debt s the original loan was taken out on XX/XX/XXXX. XXXX XXXX XXXX XXXX is attempting to restart the clock by intimidating and threatening me in their correspondence that they will be seeking judgement against this debt which again has past the statute of limitations for judgement collection.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I submitted several dispute for the following accounts but I haven't been notified with the result to my mail : XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX Account # XXXX : XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: NC
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 filed ChapXXXX XXXX 16- it was discharged XXXX-16.XXXX & XXXX   reported correctly-discharged XXXX-16. I phoned Equifax & a Supervisor said " we will not report your discharge- we'll show you are still in ChapXXXX for the next 10 years "! I'm buying a car from a Dealer & received a letter saying " your Application is denied due to a negative Equifax report showing you're still in ChapXXXX. " I need them to report my status correctly as are XXXX & XXXX. U.S. Bankruptcy Court, XXXX, NC Case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This problem is with TD Bank. They advertised that I would receive a {$300.00} promotion bonus for doing direct deposits of {$2500.00} in the first 60 days which was done. I opened the bank account on XX/XX/XXXX. The qualifying direct deposits were completed on XX/XX/XXXX. 

The transaction types were described in their statements as DIRECTDEP. Now TD Bank claims that these do not classify claiming that they were bank transfers. I think TD Bank is not honoring its advertisement promises. 

Please make sure that TD Bank honors its commitments and that other customers are not ripped off. 

Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20
Company: Navient Solutions, LLC.
State: VA
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 have contacted Navient several times via email. Every response I receive is the same, That they have updated my credit report. All they keep emailing back is that I have paid my account off and have a XXXX   balance. But on my credit reports it has not been updated or it has been updated to deferred payment showing a balance of {$970.00}. It is a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Financial Credit Service, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received message about pursuing legal action, called back and spoke to XXXX who was very rude and would not give much detail about debt, I explained I have no knowledge of any loans or debts plus I filed bankruptcy. She kept arguing then said good luck wages will garnished and hung up, called me back and then began harassing me about filing bankruptcy in the past. They called my aunt who lives in another state and also called my elderly parents. All she said was this something to do with XXXX who I have never had a loan with. 

XXXX x XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Recovco Mortgage Management, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was charged incorrect points at my real estate closing by Recovco Mortgage Management Company, they were different than what had been disclosed to me. I was supposed to have been assessed 1.75 % of the loan amount but was instead assessed 2.0 %. The over-charge totals {$870.00}. 

A Recovco representative communicated to me through my mortgage broker that the points would be 1.75 %, and that is the rate that was shown on the first Loan Estimate document provided to me on XX/XX/18 ( attached, 'Loan Estimate XXXX 1.75 % .pdf ' ) and then again on XX/XX/18 ( attached, 'Loan Estimate XXXX 1.75 % .pdf ' ). The documents were provided to me through Recovco 's on-line XXXX XXXX XXXX XXXX. 

Then I received a 3rd version of the Loan Estimate document on XX/XX/18 ( attached, 'Loan Estimate XXXX 2.0 % .pdf ' ) ) and the points had changed to 2.0 % without any explanation. I immediately communicated the issue to my mortgage broker, telling her the points were different than I had originally been quoted. She set out to resolve the issue with Recovco, though had difficulty in contacting them and I was still awaiting resolution as we neared the closing date.

Finally, without any additional communication from Recovco on the matter, I received a Mortgage Broker Fee Disclosure from them that I was asked to sign that disclosed, among other items, a loan origination fee now set back to the original 1.75 %. So, at that point, I reasonably believed the issue had been resolved. 

When I arrived at the closing on XX/XX/2018 I was surprised to find that the points I had just signed off on on the Mortgage Broker Fee Disclosure ( it is attached as part of the file called 'Letter # 1 7.23.18.pdf ' ) had now reverted to the 2.0 %. Not wanting to delay the closing I went ahead and paid the difference intending to follow up with Recovco afterwards, which I did communicate to the mortgage broker and the closing attorney. 

On XX/XX/2018 I wrote a letter ( attached, 'Letter # 1 7.23.18.pdf ' ) to XXXX XXXX, President Recovco Mortgage Management ( there were no other contacts for customer service issues provided on their website ) explaining the situation and asking that the difference of {$870.00} be refunded to me. I did not receive a response to that letter, so on XX/XX/2018 I sent a 2nd letter ( attached, 'Letter # 2 8.6.18.pdf ' ) requesting a response and indicating that I  would file a complaint with the CFPB if I did not hear back from him by XX/XX/2018. I did not get a response to my 2nd letter either, so am now submitting this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase Bank account rep XXXX XXXX tonight advised me that their system is down and they are not notifying or listing debits made from my checking account. This is a problem because people might be stealing money from me without my knowledge. He also said they may never notify me of these transactions. I caught them tonight but could this be happening regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2018 went at XXXX XXXX. XXXX XXXX Branch at Wells Fargo ; XXXX XXXX ; address XXXX XXXX XXXX, XXXX, CA XXXX. XXXX # ( XXXX ) XXXX / Fax # ( XXXX ) XXXX. I spoken to XXXX " Branch Manager " Also XXXX XXXX Bank manager. Trying cash {$20000.00} cashier check getting {$2000.00} cash rest cashier check. They refused my customer service, and wanted me open account. I declined open account n cashier check was fro Well Fargo Bank. These two have no customer service skills what so ever. should be removed from their positions, replaced with friendly customer service bank manager n branch manage immediately. I can be reached at XXXX or phone ( XXXX ) XXXX. I will not be returning sorry excuse authority bank people. 

sincerely, 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 explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2018-08-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have filed two previous complaints beginning XX/XX/2018 with NO RESPONSE of resolution! Each company continues to blame each other ... 
Complaint # XXXX Complaint # XXXX I have a FEDERAL Hamp loan that offered an incentive program for Payments made on time. AND I was offered a RECAST AGREEMENT from XXXX XXXX to be executed by XX/XX/2018. Both were completed and executed on time as agreed. My loan was then SOLD to Rushmore. I followed up with Rushmore and they sent back a letter stating that they would have this matter resolved within 15 days of the date of response to the CFPB on XX/XX/2018. Still waiting ... ..NO response! 
I have called and spoke to both contact persons representing my case at each lending institution and can not get this matter resolved. 
XXXX XXXX at XXXX XXXX has clearly stated that Rushmore MUST pay the $ XXXX per the Federal Hamp Guidelines. He stated that he made these notes in my account so that it was documented on my behalf. His direct line is XXXX Ext. XXXX When I spoke to XXXX in the Legal Department at Rushmore she stated that she did not understand why it was taking so long for someone to respond to her request. That she would have to check with Loss Mitigation to see if they could help her. She suggested that I file another CFPB complaint to protect my interest. Her direct contact information is XXXX direct line. 
I request for a full audit of this transaction and to finalize this within 10 days effective immediately. It is a federal law that my loan be credited the $ XXXX as agreed by the Recast agreement that was executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Atlanticus Services Corporation
State: MD
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:
Made a purchase through XXXX XXXX with XXXX Retail Credit card, the order was cancelled on XX/XX/2018, and was voided on XX/XX/2018. It still shows on the XXXX retail credit card that the order is pending since XX/XX/2018. It has been 3 weeks and 6 days since it shows the order is still in the pending status. XXXX XXXX has already confirmed and sent a receipt showing the order has been cancelled. On XX/XX/2018 I  spoke with XXXX after receiving a statement showing that the transaction is still pending, they advised me XXXX XXXX has not sent anything which is a lie because I have the cancellation email from XXXX XXXX, and when I call to speak to XXXX XXXX they state no order is pending and XXXX  should have been cancelled the pending transaction. Since XXXX is unwilling to cancel the pending transaction it has just be sitting using my available credit and I can not use the card to make the purchases that I want to make. The representative XXXX I spoke to via chat advised they can not do anything, even when I have the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX as well as Experian continue to report a discharged account as an active collection account after a Chapter XXXX bankruptcy. The account has a XXXX balance due to discharge, and per bankruptcy law it is illegal to attempt to collect on any balance discharged in a bankruptcy. And therefore, if they are reporting it as an active collection account- this is illegal and they are in violation of bankruptcy law which is a civil offense. Attorney consult and possible litigation against both companies pending.

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 2018-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I did not authorize XXXX XXXX Services on XXXX XXXX, 2017 to run my credit. And I constantly asked them to remove inquiry on my report to no prevail.

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 2021-07-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had earned points on a credit card and when I closed account, the representative said they would transfer the points. The points were never transferred and when I spoke to representative they said request was denied as once points have been removed there they will not be given back. They also said that I can not speak to the team who denied the request and that I can call back to speak to general customer service which would be pointless. The amount of points is large as it is approximately {$1800.00} in terms of dollars when converted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 previously sent five letters to TransUnion disputing the bankruptcy and other negative fraudulent accounts on my credit report but Transunion keep sending me dispute results back saying that they verified the bankruptcy when XXXX  and XXXX deleted the bankruptcy and I sent Transunion proof of the bankruptcy being deleted and I sent them a letter from the bankruptcy court stating that they don't furnish information to third-parties and I also sent Transunion a letter from XXXX showing them that I had a security freeze on my XXXX credit report and they still say they verified the bankruptcy.

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