BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019 I sent a wire transfer from my Citibank XXXX account to my XXXX XXXX Account for {$800.00}, the same as I have done in the past. 

Citibank N.A. ( U.S. ) charged me a {$30.00} fee, even though I had already paid their subsidary in XXXX {$2.00} for the wire fee. I was informed by Citibank XXXX that I should not be charged any fees when the intermediary bank is CitiBank U.S. since I am a Citi Priority member in XXXX. 

I contacted XXXX and they advised me that CitiBank N.A. charged the {$30.00} fee. CitiBank XXXX apologized but since this is XXXX is unable to refund the {$30.00} fee and directed me to contact Citibank N.A..

I contacted Citibank N.A. on XX/XX/2019 at approximately XXXX and they stated that I need to contact Citibank XXXX. However, XXXX XXXX acknowledged that Citibank N.A. ( U.S. ) did charge the fee. 

I have a CitiBank U.S. Credit Card however, Citibank U.S. has refused to open me up a checking account which would allow me to use their CitiGlobal service to transfer funds between the two accounts. 

Wire Information : XXXX XXXX XXXX : CITIBANK N.AXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX TRN : 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 2018-05-15
Company: Yamaha Motor Finance Corporation USA
State: FL
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 didnt authorize any of these 4 inquires.I called the credit agency and they could not inform me who input my information XXXX  XX/XX/XXXX XX/XX/XXXX Bank Creditor Contact Details XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
i made 2 purchased from XXXX  each totaling XXXX.XXXX  charged my Amex card twice.My card showed charges of XXXX each and then one charge of XXXX which totals my original purchased.I contact both XXXX   and Amex and explained the issue.XXXX tells me that theres no hold and AMEX should fix the account issue.Amex refuses to address the issue and credit me the XXXX that has disappeared.I contacted them and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
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:
I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tried to dispute debt that I have no knowledge of with XXXX. XXXXXXXX XXXX  XXXX dollars XXXX. Portfolio recovery XXXX, XXXX XXXX Failed to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: GA
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Good Morning, My name is XXXX XXXX. I have been banking with Citi Bank for years. I sent XXXX $ to my brother XXXX XXXX using XXXX. He found out his account had not been properly linked to his phone number and I resent another XXXX $ using his email address which was successful. I contacted my bank and cancelled the first incorrect transaction the same day while the first incorrect transaction was in pending status. Citi bank informed me the transaction would be cancelled and I had no worries. After three disputes Citi bank informed me they would no longer look into this transaction and I had to go after the person who incorrectly received the XXXX $ myself. I explained to them multiple times that I did not know this person and that was an impossible task for me. I got upset and shed tears because they constantly lied to me saying I didnt give enough information for the investigation to be found in my favor, they tried to get the funds back from the stranger, but couldnt because she or he spent them, and it was my fault because I authorized the transaction. I had called to cancel the transaction the same day while the transaction was pending. They lied and said there was no record of it. They only have records saying I put in a dispute on XX/XX/2020 which was the same day of the transaction. I clearly asked for a cancellation of the incorrect transaction and they said no problem. Ive stayed on the phone with supervisors for hours while they told me they would re-train staff to give out accurate information being they was supposed to tell me from the beginning there was nothing they could do if I cancelled the transaction or not! I feel robbed when Im supposed to be feeling protected by using the highly secured Citi bank mobile app, as well as confident when I call my bank to cancel a transaction it will be cancelled. I am a XXXX XXXX XXXX XXXX worker, and student with a family to take care of. I cant afford to give away money to strangers! Supervisors told they the situation wasnt right and they wish they could help!

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 2023-07-21
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I called the BMO Harris contact line at XXXX to inquire further about an account I saw advertised on the BMO website at www.bmoharris.com ; their Premier Money Market Account. I did not see a full disclosure of fees for the account. When a representative came on the line, I told her that I was interested in opening a Premier Money Market Account and would like to see the truth-in-savings disclosure to verify fees for such items as minimum balance, number of withdrawals, etc.

The agent put me on hold for approximately 5 - 7 minutes, when she came back she told me to look at the website. I informed her in the time that I was on hold, that I found a disclosure at the following address : XXXX XXXX XXXX but that this disclosure contained information many different accounts, but not for the Premier Money Market Account, and that this was a disclosure was required by law, and I would like to see it before opening this type of account. At this point the representative became very upset and said that I should just " go visit a BMO personal banker. '' I told her that I wanted to either speak to a supervisor, because I understood that a truth-in-savings disclosure must be provided if requested. She stated that all phone calls are recorded, her name was XXXX, and hung up the phone.

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 2023-08-04
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-21
Company: EQUIFAX, INC.
State: NV
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 my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance XXXX {$8.00}, XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance XXXX {$320.00} XXXX XXXX XXXX XXXX  Balance : {$8100.00} XXXX XXXX XXXX XXXX  Balance : {$6400.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  Balance : {$8000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 Pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g I requested Validation from Ameri Collect. Please see attached. 
According to the certified Tracking number XXXX XXXX XXXX XXXX XXXX Ameri Collect 's offices received my request on XX/XX/2021. I have yet to received validity within the allotted time frame of 30 days, therefore pursuant to 1692g- The debt collector must provide the consumer with certain basic information. If information is not provided, debt collector must cease and desist all collection activities and account must be removed from all 3 consumer reports and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and XXXX at XXXX attempted to collect a cleaning fee on my apartment after I moved it. They send over a large bill with itemized selections for what all they had to do. I noticed that they had no line item for my security deposit, which, per the leasing agreement, was to be applied before I was charged for anything. I instructed them to please apply the security deposit to the bill and then mail me the remainder of my deposit. I was told they would review my case and contact me when the review was completed. I received one more email stating that they had reviewed and I still owed - nothing was said about my security deposit and I still have not rec 'd it. I replied, telling them this, and that once they could show me where my security deposit was, we could proceed. I never heard from them again. I have just rec 'd mail from a debt collection stating that the property sold the amount owed, and that I would have a collections on my credit report if I didn't pay. XXXX XXXX and XXXX made no attempt to notify me that my debt was going to be sold. They still have not provided me my security deposit.

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 2022-03-08
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:
Dear CFPB I made a complaint against Equifax since XXXX XXXX, they said they were still working on it until today XXXX XXXX nothing happens It shouldn't take two month at all my credit report have not change still the same inquiry. 
I never consented to authorize nor benefited from all Inquiries and accounts mentioned on my Identity theft repot, Block, and delete them. If I have received goods and services from the furnished Inquires and account, Equifax have one of their senior executives certify under the penalty of perjury that I did receive good and service from those transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank of America advertised a {$100.00} promotional bonus for opening a checking account with direct deposits within 90 days which I applied for and approved for after a few hurdles. However, the {$100.00} bonus has not been credited to my account.

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 2017-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint has nothing to do with the choices I selected, I just picked them as they were the closest to my problem. I went bankrupt in 2004. My mortgage was XXXX XXXX XXXX at the time but it was being serviced by Capital One. My mortgage was not involved in the bankruptcy at all and I continued to pay the payments monthly. After the bankruptcy XXXX XXXX XXXX refused to show my escrow info on line. I was blocked out of the account. My  mortgage was turned back to XXXX and I was on line for a short while, until they decided to do the same and block me out of my account. Since that time XXXX has forgotten to pay my taxes, and I had to get a call from the town to get them paid. 2 ) forgotten to pay my flood insurance and I was notified by my insurance broker and had to get that fixed. Lastly, this past week I found out I had a negative escrow balance because Capital One has paid 3 flood  insurance policies at about {XXXX} each. I am now in the process of fixing this. I feel this practice of punishing me because I went bankrupt ( which had nothing to do with the mortgage ) and not allowing me to monitor my own escrow account is ridicioulus. This is my money in the account and obviously this bank need work on handling my escrow account and paying bills on time- or not paying bills in triplicate! Please advise. Thank you I have any and all documentation I can send you if needed. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have purchased a new XXXX XXXX from a local dealer in XXXX and sold the vehicle to XXXX in XX/XX/XXXX. XXXX sent a pay off check to Hyundai Motor Finance on XX/XX/XXXX and the check was cleared XXXX cashed out - {$11000.00} ) on XX/XX/XXXX but it was never applied to my account to this date. 
I have called HMF a total of 5 times to get this resolved. The first time, they requested the check number, amount, and a copy of check back and front. I got them the information they requested. My account has not been updated to this day ( XX/XX/XXXX ). I spoke with a total of 3 escalation point managers. The first manager that I spoke to on XX/XX/XXXX was able to locate the check and requested it to be applied to my account because she found the check was applied to a non-existing account that was one number away from my account. She issued a ticket to correct the error but it was not solved until I called them again today ( XX/XX/XXXX. ) They made a mistake by putting one number wrong. They started calling me two times daily to tell me that I'm behind on the payment and charged me a late fee. I made one extra payment on the loan. They have cashed the the check and currently have the fund and still hasn't applied it to my account and I'm about to make the second extra payment to prevent paying another late fee and being forwarded to a collection agency as they told me that they send it over to a collection agency once late payment is older than 30 days. 
I spoke with XXXX and they provided all the information that was related to the transaction and the account number on that check was correct. HMF made a mistake and hasn't admitted the mistake and instead they charged me a late fee. 
There was absolutely no way that I could speak with someone who had information related to my account whenever I made phone calls. I had to go through from the CS person and asked to escalate the situation up as their ability to research the check was limited and was not able to solve the issue. I had to spend at least one hour each and every time I called them to get to someone who could even search what has been going on with my account. This company 's customer service system was just a nightmare lacking communication within their system and the inconvenience falls on the customers. 
My personal note to the company - I have purchased a total of 5 new Hyundai vehicles in the past 10 years and will never do a business with them again.

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