BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Citi credit card for over 20 years and I was informed by them by letter that they are going to transfer my card to XXXX XXXX. I have the Citi XXXX XXXX XXXX XXXX card and they want to transfer it on XX/XX/XXXX to XXXX XXXX and turn it into the XXXX XXXX XXXX XXXX XXXX XXXX. I do not want this transfer to take place, I have not authorized it, and I already have a XXXX XXXX XXXX XXXX XXXX XXXX. I want to keep my Citi Visa card, even if it means having a different kind ( i.e., non-XXXX affiliated card ) with Citi. 

I called up XXXX, Hilton, and XXXX XXXX on XX/XX/XXXX and no one would help me and they all said there was nothing they could do. XXXX XXXX said they would not have access to my Citi details until XX/XX/XXXX and XXXX said I had to talk to the card issuers. 

I then contacted a supervisor at Citi on XX/XX/XXXX called XXXX ( Employee ID : XXXX ) who told me the transfer will go ahead and I ca n't stop it. XXXX told me that it could have been stopped if I had called in XX/XX/XXXX or XX/XX/XXXX but that they did not communicate this to any customer, and kept it secret, and all the literature sent to us only ever mentioned the end of XX/XX/XXXX for the transfer. In fact, Citi only sent an email alerting customers to this transfer on XX/XX/XXXX, which is two months after the XX/XX/XXXX deadline to transfer it. This is very deceptive. 

I complained to the Citi Cards CEO on XX/XX/XXXX by email to XXXXXXXXXXXX. I received a response on XX/XX/XXXX stating they would not help me. I am attaching the XX/XX/XXXX email from Citi and the letter from the Citi CEO. Additionally, the links to the FAQ about this transfer can be found at : http : XXXX and at : XXXX XXXX XXXXXX/XX/XXXX and at : https : //online.citi.com/XXXX XXXX I want this unauthorized transfer of my credit card stopped. And if they wo n't stop this I want compensation for all this distress and hassle it is causing me and I want the company fined for wrongly terminating my credit card and then giving me another one ( an XXXX XXXX card ) that I definitely do not want and did not authorize.

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 2018-06-05
Company: Midwest Recovery Systems
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed a collection company reporting on my credit. I have never received a notice regarding this nor do I know what it is. Midwest Recovery System is reporting on my credit for original creditor XXXX XXXX XXXX?? I am unaware of either of these companies. 
It is from XX/XX/2011 which, for one is past the statute of limitations. For two,  how can they just report on my credit without first sending notice and this isn't mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX* US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a personal loan of {$20000.00} from my local and personal branch of Wells Fargo Bank ( XXXX XXXX  XXXX, XXXX, VA ) in XX/XX/XXXX for 48 months. Even though I had a " very good '' credit score, I agreed to Wells Fargo 's 13.49 % interest rate. The first payment of {$460.00} began on XX/XX/XXXX. At the origination of the loan, I was told that I could make extra payments toward the principal once the monthly payment was satisfied. My plan was to strive to discharge the loan earlier than the four years. I have never defaulted in my payments. During the first 4-5 months in the life of the loan, I made substantial payments toward the principal. No interest was levied on the amount that was designated toward the principal. Also, notice in the attached payment record that Wells Fargo charged me more interest during the initial few months when I started making the monthly payments. I assumed that was normal as the interest was levied on the initial {$20000.00}. Out of the blue, I received a letter from Wells Fargo indicating that beginning XX/XX/XXXX, I would no longer be able to make principal only payments without interest being charged even after satisfying the regular monthly payment of {$460.00}. I called the loans department a couple of times to register my displeasure at this new policy, which was being forced on me. I would not have signed for the loan if that was included at the origination of the loan. The lame excuse given was that some customers were not able to make their payments and this was to help everybody ( really? ). I further met with a banker at my branch to discuss this new rule with no satisfactory resolution. I am only asking Wells Fargo to stick to its initial agreement with me in respect to being able to make principal payments without any interest after honoring the regular monthly payments. This bank is known for its predatory lending practice against ordinary citizens. I'm a disaffected customer. Thanks, 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 explanation
Consumer complaint received 2021-12-07
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
It has only been a couple of months since I bought my car off of XXXX, I already informed Bridgcrest on XXXX that they will expect my Bill Of Exchange/Check for the payoff quote that she gave me within the 10 day payoff timeframe, she STILL informed me that even though a check is on the way ( mail is taking forever ) that the car is still up for repo now! I literally just got the car and immediatly started processing this payoff check which is currently being authenticated which is taking a few weeks, but I did update Bridgecrest they will recieve it shortly via the payoff address they gave me, and still after this very very short period of time knowing they are getting the payment they still want to take back the vehicle? Ive owned MANY vehicle and never have I experienced this with any loan company. Hopefully they can wait the XXXX days and not come repo the car for no reason just to have to go to court and give it back. Should loan companies not give decent time frames if the customer is giving a full payoff considering bank verification and mail times etc.? I also do not consent to my information being sent out to ANYONE considering Bridgecrest and I never had a contract ourselves. I also do not consent to any property repossession.

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 2019-02-07
Company: Nelnet, Inc.
State: VA
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:
I have made monthly payments on my Nelnet loan since I finished  graduate school approximately 12 years ago. My balance is now $ XXXX _higher_ than the original loan amount. I do not see how 12 years of payments has not lowered my debt at all ; in fact, it has been raised. There is no way in which I am able to get their numbers based on their stated interest rate and practices ; and I would like CFPB to assist in resolving not only my situation, but in looking into Nelnets business practices. It would be particularly helpful as a starting point to request that they turn over borrowers payment history and corresponding calculations upon request for transparency and independent oversight mechanisms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
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: Account status incorrect

Complaint:
I have a active fraud alert on my account and currently I have XXXX inquires with XXXX and XXXX with Equifax. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Fraud, scam and false reporting to XXXX about a false debt owed and breach of contract. 

In XX/XX/XXXX l opened a merchandise account and canceled on XX/XX/XXXX by returning the product through XXXX  to avoid charges and stopped all fees and rental. They then closed the account with out fees and rental meaning I didn't owe them anything based on the retun policy in the contract and proven through 20 email correspondences.On XX/XX/XXXX Acima was on my credit report stating I owe them XXXX willfully knowing it was false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CITIBANK, N.A.
State: CA
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:
I HAVE BEEN FRAUDED BY COMPANIES WHO I NEVER DID BUSINESS WITH OR NEVER AUTHORIZED ANY OF THESE CHARGES THROUGH XXXX XXXX. I CALLED XXXX XXXX BUT THEY SAID THEY COULDNT HELP ME BECAUSE I DID MAKE THESE CHARGES AND THE COMPANIES GOT YOUR INFO FROM YOU. I LET HEM KNOW THAT IS UNTRUE AND I NEVER SPOKE TO ANY OF THESE COMPANIES AT ALL. I HAD TO END UP PAYING MY CREDIT CARD OFF AND NOW IT IS CLOSED AND THEY STILL HAVENT HELPED ME. I WILL LIST ALL THE CHARGES WITH DATES AND AMOUNTS SO YOU CAN SEE. I AM A ELDERLY WOMEN AND THESE COMPANIES STOLE FROM MY ACCOUNT. WHY WOULD XXXX XXXX NOT BACK ME AS A CLIENT AND GIVE ME THE AMOUNTS BACK OF WHAT WAS TAKEN FROM ME. THEY SPOKE TO ME LIKE I WAS STUPID   SAYING MEAN THINGS TO ME SCREAMING AND YELLING AT ME. PLEASE HELP ME GET MY MONEY BACK. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-01-16
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BB&T CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I deposited a check via BB & T s mobile banking app. It was set to be released on XX/XX/XXXX. On XX/XX/XXXX, I realized I was hit with 6 overdraft fees. I spoke with someone in my local branch ( XXXX, SC ). I was informed that when I submitted the check, instead of them not making the funds from the check available, the deduct the amount of the check deposited from my available balance. Not only did they deduct that amount, but they sent my account into a negative balance. Meaning any bill payments set to post on that day, received an overdraft fee on XX/XX/XXXX. I had funds in the account to cover any purchase/bill payment prior to depositing my check. Now they will not waive those overdrafts. They also took my entire first check causing me to be late on house bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Re: Refund of Two Checks Causing Overdraft in my CHecking Account
XXXX
/
Sent


XXXX XXXX 
To: Selenefinance Customerservice
,
XXXX XXXX

XX/XX/XXXX at XXXX XXXX



On Wednesday, XX/XX/XXXX, XXXX XXXX  EST, XXXX XXXX  wrote:


XXXX XXXX XXXX XXXX XXXX, NJ XXXX 

XX/XX/XXXX



Selene Finance	XXXX XXXX XXXX



Re:	Error checking account $XXXX Overdraft today



I found you had taken over XXXX out of my checking today when I only authorized the usual $XXXX  payment. I am overdrawn $XXXX now and want o know why . Called phone and spoke to XXXX. Now will call XXXX XXXX XXXX.


Accidentally caused XXXX XXXX XXXX to send out three paper checks for mortgage this month and you cashed them. Thereby causing my checking to be $XXXX Over drafted as of today. They were for new amount effective XX/XX/XXXX of $XXXX, XXXX and the old amount of $XXXX.


I need the excess  checks to be refunded to me in $XXXX  and $XXXX. That will make my checking account back to normal and right. Called XXXX XXXX XXXX after finding $XXXX overdraft in checking. They said could not help me to call Selene.

Today I called Selene and spoke to XXXX on XXXX and he said he could not find those payments in my screen. Called XXXX in Arizona at XXXX  XXXX and she said I needed to get fixed with Selene. Second time called Selene and got XXXX. She listened and tried calm me and said she would check with supervisor on this. They will send up accounting request to fix this and get accounting back to rights.

They need me to send details in email.


XXXX XXXX XXXX


CC:    BBB, XXXX Complaint


Selene Finance LP 
ATTN: Customer Service Research XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX US

XXXX;


XXXX XXXX


XX/XX/XXXX XXXX XXXX customer support called and wanted to know if I had idea when the two check would be reversed. They are waiting on that to help me with overdraft fees and bouncing checks situation.


I havent heard back from you at Selene since I called and sent email a week ago on XX/XX/XXXX. Same day I sent the BBB complaint that XXXX also got. Can someone get back to me with an expected date for refund of the two checks I requested. Thank you.


XXXX XXXX  

XX/XX/XXXX XXXX 

XXXX will call back tomorrow and see if I find out when to expect the credit to be in my account. *I hope to have some definite answers for them by then. Still no reply from you as of today. XX/XX/XXXXXXXX.






Settings

XXXX XXXX XXXX




Give feedback

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Sentry Recovery and Collections, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a XXXX from Sentry Recovery stating that I am to pay a balance of {$6400.00} for a file that has been placed in the office by a company called XXXX XXXX XXXX. I made XXXX aware that I am a victim of identity theft, the account was fraudulently opened in my name and doesn't belong to me. XXXX provided me the information of XXXX XXXX XXXX. I contacted the company and so far 'been able to reach a solution. I would like all fraudulent account removed from my credit profile immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX  XXXX XXXX  did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX  XXXX XXXX  as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XXXX XXXX and XX/XX/2021 I sent letters to the credit bureau 's to notify them that I am a victim of identity theft and there were some names and addresses reporting on my credit report that does not belong to me as of today XX/XX/2021 these inaccurate fraudulent addresses remain on my credit report and I am interested in your assistance in having my credit report updated to reflect accurate information.

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 2021-12-07
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have provided my mortgage company ( Flagstar Bank ) with my Property Tax bill for my residence, on multiple occasions, requesting them to schedule the second semi-annual payment which is due by XX/XX/XXXX. They have not responded. 

The current online Flagstar Bank mortgage escrow status shows the next escrow tax payment is not scheduled until XX/XX/XXXX, which is 9 months after the due date. The current escrow account balance is well above the required minimum balance threshold ( 2-months of tax & insurance escrow payments ), and has more than enough current funds to pay both property tax & upcoming annual home insurance bills. 

XX/XX/XXXX ( faxed copy of Property Tax Bill requesting payment in full of annual tax bill ) * XX/XX/XXXX Flagstar Bank disbursed Escrow funds for 1st semi-annual installment listed on the tax bill. Despite the escrow account holding enough balance plus required reserves to pay the annual installment in full, they ignored my request. 

XX/XX/XXXX ( called Flagstar Bank, then sent e-mail with PDF attachment of Tax Bill to Flagstar Bank property tax department, requesting them to schedule a XXXX payment for the remaining 2nd semi-annual installment of propert tax due ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) * Flagstar bank still lists next tax installment is scheduled to be paid in XXXX, XXXX. 

XX/XX/XXXX ( AGAIN faxed PDF attachment of Tax Bill, also re-sent PDF as e-mail attachment requesting payment of remaining tax balance, due THIS MONTH. 

No response received from Flagstar Bank.

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 2019-02-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, 2017, I mmade the following transaction : +XXXX LTC @ {$250.00} per LTC Reference code XXXX Payment Method XXXX - Interest Checking XXXX Fee {$4.00} Subtotal {$330.00} Total {$330.00} It was for the pruchase of Litecoins at a total price of {$330.00}. My XXXX checking account was charged {$330.00} two times. I am attaching a copy of my statement for your convenience. I filed a dispute with my bank. Upon resoltuion of the dispute, Coinbase, disbale my ability to trade in my account. I started a case # XXXX and have made 4 phone calls with zero resolution. Furthermore, Coinbase FROZE my account in a highly volatile market. They have restricted my ability to Buy/sell/withdraw my current assets which include XXXX Litcoins and XXXX ethereoms. It is unconscionable to freeze an account and restrict a customer 's right to sell his assets. XXXX firms who work with XXXX face simlar circumatances all the time. They will restrict buys, but NEVER sells. This was a bank error caused by coinbase. As of the time of this writing, the value of my coins is down approximately {$1500.00} due to this account freezing. I attempted to sell the coins yesterday at a profit of about {$1000.00}.

Company response to consumer: Closed with explanation