BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Account Opening Date : XX/XX/XXXX   Initial Funding : {$10000.00} A detailed timeline and summary of the events are as follows : XX/XX/XXXX   : Opened a new checking account, having been directed from a page advertising a bonus offering, and funded it with the requisite {$10000.00} ( among the other steps that popped up after the initial opening ) XX/XX/XXXX  ( 114 days later ) : Bonus not deposited into my account as promised per the terms of the offer. 

Upon realizing that the promised bonus was not credited, I sought resolution through the following channels : Initial Customer Support Interaction : Outcome : I was informed that no bonus was linked to my account and was advised to fax the bonus details to a specified fax number, after which the representative promptly ended the call. 
Engagement via Social Media ( XXXX ) : Outcome : Upon explaining my situation to Citi representatives on XXXX, I was simply redirected to call the initial customer support number the same one that previously yielded an unsatisfactory resolution. 

My efforts to resolve the issue through the suggested channels have been unsuccessful and unsatisfactory due to the absence of a supportive and problem-solving response. The lack of acknowledgment and action regarding the promised bonus not only contradicts the advertised offer but also demonstrates a considerable gap in customer service and support.

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 2018-04-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This problem concerns Regulation E and disclosure requirements regarding electronic debit and credit transactions. My bank is Fifth Third Bank. The account at Fifth Third was previously handled by XXXX XXXX and other institutions. As part of my regular account transaction activity, I receive Social Security deposits, transfers from another financial institution, dividend payments, and make EFT payments for natural gas, health insurance, life insurance, etc. As part of my account package, I received monthly paper statements via postal mail through XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I did not receive mailed paper statements. Further inquiry into the situation found that I was set up for paperless statements, something that I never authorized. At the time of this " missing statement '' inquiry, I was also informed that the bank would charge {$3.00} per month for paper statements. I never received prior disclosure that the bank was going paperless. I am an senior citizen and do not want online banking and do not have a smart phone. I thought it was my right under Reg E to be notified about electronic funds transactions within 30 days of occurrence. I also thought that I am to be notified regarding changes in account practices by a bank if they choose to charge for basic services. I typically maintain a {$1500.00} balance in my account and have a loan at the bank that is paid monthly to avoid additional checking account fees. Please let me know how this bank was able to make unauthorized changes to my account, stop notifying me of the electronic debits and credits, and create a new service charge routine from what was not previously in place without notifying me. I am very comfortable with the local branch management and believe that these problems originate from corporate office decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
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:
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. The letters are stated with items and issues. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
WAITIING FOR 8 WEEKS NOW -- -THIS ISSUE HAS NOT BEEN RESOVLED! 

CITIZENS BANK STILL HAS MY {$5000.00} & REFUSES TO RETURN OR ALLOW ME ACCESS TO IT! THIS IS THEFT -- PLAIN & SIMPLE! 

I received a promotional advertisement mailed specifically to me from Citizens bank. Despite following the instructions and funding a checking and savings account, the accounts were closed. The funds for the checking account ( {$50.00} ) were reversed and returned to me. The funds for the savings account ( {$5000.00} ) were NEVER RETURNED. I have contacted Citizens multiple times via chat, phone, and in person without resolution and am told, " We have no record of your account, so were are unable to help you ''. We I called to speak to a supervisor, Iwas on hold for over 1 hour, connected and then was hung up on. For proof, attaching : -photo of direct mail advertising promotional offer -email from Citizens that {$5000.00} was received -statement from my sending bank {$5000.00} was debited -screen shot of 1 hour call to Citizens.

Attaching documents to prove my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
LoanCare has collected funds for XXXX XXXX XXXX XXXX. Since XX/XX/XXXX. In XX/XX/XXXX Loan Care messed up the loan and they admitted to their mistake. the payment was XXXX there increased to XXXX.monthly claim had no flood when did have flood. I had flood with Selective which is automatic renewable. I was making XXXX monthly payments then in XX/XX/XXXX they return check and stopped all payments. I was able to make 2 more payments over the phone when was helping to fix. Then that stopped. It took them 18 months to fix. 

The original Loan was {$110000.00} payed down to {$100000.00} in the process was forced to go through Mitigation so not to lose my home. The results of the new loan is {$110000.00} and increased interest. I have made 2 payments under the new loan now which is XXXX making XXXX payments. 

The escrow statement sent on XX/XX/XXXX shows the Flood insurance payment in XX/XX/XXXX for the correct amount. Then got letter on XX/XX/XXXX that insurance expires on XX/XX/XXXX and that the insurance needs to be increased. 

This is the same sort of letter sent in XX/XX/XXXX which they forced me into this situation I am in now. I can not go through this again. They sort of punishing me at my cost for their screw up and they trying it again. I tried contracting to no avail with LoanCare. I ask for a different Company that is legitimate with to avail there as well.

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 2018-04-13
Company: Diversified Consultants, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2016 I terminated my account with XXXX and paid a fee in excess of {$300.00} dollars for early termination. I asked repeatedly if my account was closed and was told my balance was XXXX and my account was closed. Six weeks later I received a bill for {$130.00} which I called about right away. I forget what they said the charges were for, but its totally bogus. XXXX  is a lying thieving company. Anyway, they sent this {$130.00} to collections, and the debt has changed hands a bunch of times. I have been called *at least* three times a day about this erroneous charge for years now. sometimes at XXXX! as late as XXXX! I'm exhausted, but I am so angry about their bogus charging me and then harassing me for years that I simply will not pay. Their product and billing was horrible to begin with and I feel like they're sticking it me for leaving. Please, please make this stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had been a customer with XXXX since 2010 and after many issues with there service, I had canceled it and switched providers. They then sent me a bill which was way to high. Because previously I had paid off my phones. They stated that bill does n't reed right when the phones get paid off and because I switched providers would not allow access to my account to see how it was billed. There letters do not give exact details of how moneys were applied. They also said I had a leased phone in which I disagreed because the representative lied to me about there lease program. After all of the discussion of the bill they sent me to collections with SW credit solutions. SW credit solutions never sent me a letter stating they were collecting the debt and never gave a notice of my rights. They then reported negatively to my credit and never gave me a option to even pay the bill. This whole time I have been willing to pay but was just wanting to pay the fair amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Square Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Memorandum To : Cash App From : XXXX XXXX ( XXXX XXXX ) CC : CFPB ( Consumer Financial Protection Bureau ) file Date : XX/XX/XXXX Re : Refund for Unauthorize charges made on Cash App Account Mr./Mrs. Representative : On XX/XX/XXXX. XXXX at XXXX XXXX I initially advised Cash Support team of unauthorized charges. 
In XXXX I was instructed to reach out through my app concerning this issue, and I did. 

On XXXX XXXX I was advised that Cash App Support team would respond quickly concerning this issue.. 
It wasnt until XX/XX/XXXX at XXXX XXXX I received e-mail from cash App Support Team indicating they had found a {$5.00} transaction from XXXX XXXX cash card on XX/XX/XXXX. However, never really informed me of what transpire with the establishment ( covering who, what, when, and why ) this charge took place ; at the same time recommending disabling reissuing my card through the app. nor a refund from the establishment or a credit to my account, or even finding out the establishment information, because I dont have that information. 

On XX/XX/XXXX cash App support team closed my case with out solving the issue as to unauthorize charges. 
On XX/XX/XXXX at XXXX still have the same issue as before still not resolve. Im still getting unauthorized charges, especially 3 times or 4 From XXXX XXXX XXXX XXXX card.These charges started XX/XX/XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There 8 charges on this day, and each charge was {$5.00} per charge ; coming from the same establishment ( XXXX XXXX, XXXX XXXX XXXX  ) totaling {$40.00}, and you mean Cash App Support team are unable to make contact and refund my money that was taken from me? 

As a consumer I'm not being treated fairly in the financial marketplace ; pursuant to enforcing federal consumer financial laws, which holds financial service providers accountable for their action. 

I should not have to jump through hoops to be refund money that was taken from Me, and I should have a contact number to speak with a representative. 

Respectfully submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a loan with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXXXXXX 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 2023-08-10
Company: Experian Information Solutions Inc.
State: NJ
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 solar company ruined my credit rating by stating that I had late payments. I have every statement from them which states You are currently enrolled in autopay and this invoice is for your information only. I disputed this with experian but was told that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Despite the fact I sent a photo of the invoice in question.

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 2018-05-17
Company: Weinberg Mediation Group LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Weinberg Mediation Group began calling me several weeks ago regarding a XXXX  XXXX   card debt. Twice I answered the phone and talked to a representative, I told them I was going to contact XXXX  XXXX to validate that the debt. The first time the lady was very polite and said that was fine. 

The second time I spoke with a gentleman who was beyond rude. He told me that there was already a garnishment of my wages pending. I asked him how that was if I hadn't been sued and a judgement entered. He told me there was already a judgement against me. This was false information. I then told him the same thing. That I was going to talk to XXXX  XXXX to verify information and would contact their office back. I also requested that they validate that they own the debt. The guy told me that they could not mail me anything. He told me to call total and that " eventually '' I would get routed back to Weinberg Mediation. 

Not even 1 week later Weinberg Mediation called my parents house ( who live 100+ miles from me ) and left the following message on their home phone voice mail " This is a final courtesy call from the Weinberg Mediation Group before  reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good Day. '' My mother called the number back and they gave her details on my debt even though she never identified herself as my mother. She told them I didn't live there and they have the wrong address. They told her it was about a debt and that I needed to call them back. 

They have my home address and my home phone number. They KNOW how to get a hold of me, I've answered my phone when they call, outside of the times I'm at work. 

I believe they should be held accountable for continuing to call outside parties when they have my contact information and were just in touch with me a few days prior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in the 3 major credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : 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 non-monetary relief
Consumer complaint received 2022-07-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, I have had Citibank 's savings account for years and at the time of opening the account was very clear that I am on limited income and only need saving account that does not have monthly service fees. I haven't been getting charged as expected. However, when my son checked my account recently he noticed that I was getting $ 25 monthly charge for past 3 months although nothing has changed. 

When I tried calling to get this resolved, I kept getting put on hold and transferred to number of people without any solution. I also tried logging into the site and using their Chat feature and " XXXX '' who was the rep couldn't tell me why my account package changed and by whom but it now requires $ XXXX balance to avoid fees. I have never had $ XXXX in my account nor do I expect to have it. 

He did mentioned that he could " downgrade '' the package to avoid fees and refund one month 's charge. When I asked him why it was " upgraded '' to being with and by whom he couldn't answer. I need my full refund and need to make sure they can't change the package on their side and start charging fees and I have to spend hours correcting their problems. 

I am concerned about their process and why they can change the " package '' to conveniently charge fees without my approval!!!

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 2022-07-16
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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