BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX, I helped my Aunt get a computer in a XXXX XXXX. Due to her declining health, she no longer knows how to operate a computer, so in XX/XX/XXXX, I got rid of her computer and " cancelled '' her subscription to XXXX. XXXX continued to bill me for 4 more years. No matter how I tried to cancel the subscription, it continued to be billed. Last year, I closed the credit card account the XXXX was being billed to. Unrelated, our family moved, so I have a new home address, phone #, and email address. In XX/XX/XXXX, XXXX billed me {$89.00} again. I did not recognize the charge notice from the credit card until XX/XX/XXXX, since I thought it was junk mail. In XXXX, I happened to open the letter and saw I was being charged for XXXX on a closed account. I called CitiCard and reported it as a fraudulent charge in XX/XX/XXXX. CitiCard denied the fraud claim in XXXX and referred me to XXXX. I contacted XXXX and after a long conversation, I received an {$89.00} refund ( full amount ). I got the CitiCard statement in XX/XX/XXXX, and the XXXX {$89.00} credit is there, but the fees and interest are still there in the amount of {$130.00}. I called CitiCard and they can not refund fees and interest on a closed account. CitiCard accepted a charge on a closed account, charged fees on a closed account, took a refund from XXXX on a closed account, but can not reverse fees and interest on a closed account. Please help me get the fees and interest charges reversed. Since my account is closed I no longer have the credit card and I do not have the 16 digit number. Statements don't have the 16 digit number, and credit companies will not provide the number over 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 2018-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received multiple overdraft and return fees when the bank accepted automated transactions that I clearly did not have the funds for, instead of stopping them from going through. Now I'm penalized because Bank of America doesn't know how to say " no ''. 

XX/XX/XXXX- original balance {$1100.00} rent transactions {$920.00}, {$450.00}, {$1.00} = - {$260.00} overdraft fees {$35.00}, {$35.00} = - {$330.00} XX/XX/XXXX XXXX transaction {$11.00} = - {$340.00} overdraft fee {$35.00} = - {$380.00} maintenance fee {$12.00} = - {$390.00} XX/XX/XXXX- XXXX deposit {$46.00} = - {$340.00} XX/XX/XXXX XXXX  transaction {$130.00} = - {$480.00} XXXX transaction {$9.00} = - {$490.00} return fees {$35.00}, {$35.00} = - {$560.00} XX/XX/XXXX- XXXX return {$130.00} = - {$420.00} XXXX return {$9.00} = - {$410.00} XX/XX/XXXX XXXX transaction {$130.00} = - {$550.00} return fee {$35.00} = - {$580.00} XX/XX/XXXX XXXX return {$130.00} = - {$450.00} XXXX  transaction {$9.00} = - {$460.00} return fee {$35.00} = - {$490.00} XX/XX/XXXX- XXXX return {$9.00} = - {$480.00} XX/XX/XXXX- fee refund = - {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX is the phone number that is calling. They have left several threatening voice mails on XX/XX/XXXX and XX/XX/XXXX claiming that I would be arrested if I did not pay. They have also contacted my father, claiming to be a company that I applied for a job with and that his was the number I have them when I applied for the job. I have never applied for a job with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please see Current open case # XXXX XXXX Loan update XXXX XXXX XXXX, XXXX The loan application origination date of XX/XX/2019 continues with mistakes and delays. Im really not sure why I continue to remain with only a loan processor when we are approaching the 90th day of the application. 

Most recent item of delay is : I received an incorrect and out of date Appraisal for my refinance and given a value of my property substantially less than its value and then was told I would not qualify for the original loan rate I was approved for. I was even sent the incorrect Appraisal referencing another lender and different owners, I had to send this incorrect copy back to XXXX XXXX in order for them to take my word that the appraisal they have on file is incorrect. I believe at this point a Supervisor should be involved in this loan by now, although I am still at the beginning stages with a loan process ( not even a loan processor leader ). 

Could I have some assistance with this matter? I continue to receive additional delays and am still currently awaiting the correct appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX I made the claim for a family inheritance at Citibank NA. After completing all documentation requirements dated XX/XX/XXXX Citibank issued and gave me the legacy fund beneficiary change document. Subsequently for the delivery of the legacy funds Citibank has a bank account in my name for which I provided the respective accesses and I can enter my bank account where the deposit corresponding to the legacy value is. From this bank account I generated my original statement which I currently hold.In addition, I was instructed that in order for me to transfer the legacy funds to my bank, I had to pay the inheritance tax and dated XX/XX/XXXX I received the letter from internal revenue services ( IRS ) without being told the value of the tax I had to pay to comply with U.S. law. I paid this tax for which I sent the receipts to Citibank. After paying the tax and sending the documents to Citibank he told me that because it took me 3 months to pay the tax because it was a large amount my bank account that originally aired me had been frozen and canceled so to move the legacy funds I had 2 options : the first option was to open a new bank account and the second option was for Citibank to send me an international transfer of the funds. I opted for option 2. The bank requested all my personal data which I sent them and dated XX/XX/XXXX made the international transfer for which it sent me the original proof. After 8 days and not receiving my money, I contacted the Bank and was told they were going to find out but I no longer had an answer. on XX/XX/XXXX, I contacted a senior Citibank executive for which I prepared and sent a letter of complaint detailing the above. Citibank 's senior executive moved my complaint letter to the Citibank Executive Unit and on XX/XX/XXXX I was told that they had received my complaint and that I would give them 15 days to conduct the corresponding internal investigations. On XX/XX/XXXX, after the corresponding investigations were carried out by the Citibank Executive Unit, it requested my original bank statements where I requested my bank transfer in order to verify that I have not actually received my money. I sent them my original statements from XX/XX/XXXX to XX/XX/XXXX as well as a copy of the international transfer receipt they sent me. After receiving my information I was asked another 15 days to review the information I sent them. On XX/XX/XXXX, Citibank 's Executive Unit told me that if I wanted to get my money I had to file a complaint with the appropriate authorities.

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 2018-03-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase. XX/XX/XXXX to XX/XX/XXXX. Withdrew Euros XXXX in line with the instructions of the organisation. Money has still not arrived in linked account and all linked account details are correct. It is now 3 weeks after the request and process and confirmation receipt that it has been completed. Withdrawal reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed a XXXX XXXX XXXX back in XX/XX/XXXX of XX/XX/XXXX, the car was running fine and I was making payments up until about XX/XX/XXXX of that same year and I was involved in a car accident which resulted in the car being a total loss per the insurance company after they took the car in for inspection. I was told the debt would be settled by my insurance company and the loan company XXXX XXXX XXXX is still asking me for a settlement or a balance to pay to remove all negative inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: General Motors Financial Company, Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a new truck on XX/XX/2017. The truck was in XXXX XXXX, MO. I live in XXXX XXXXXXXX. All transactions where completed with documents sent back and forth via XXXX. The dealer purchased my trade-in sight unseen. Once I had signed the contract the dealer didn't like the final results and there was conflict. The dealer didn't want my trade-in once he saw it. The dealer quit communicating with me. 

Apparently a loan payment was missed. Once I was aware that a payment had been missed. I set up automatic payments online and all payments have been made as agreed to. 

I asked GM Financial to remove the late payment from my credit report due to the conflict with the dealership and the lack of communication. GM Financial has refused. I believe that GM Financial is acting in an unreasonable manner and I request that the late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Paypal Holdings, Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Paypal used my checking account instead of my XXXX card ending in XXXX to pay my XXXX invoice. This was never authorized. Please credit my checking account and charge my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My husband, died in XX/XX/XXXX. He had some of his retirement savings in a CD with Capital One 360, I contacted them in XX/XX/XXXX and asked to have the account closed and the money sent to me. I included Death Certificate, Letter of Administration from State of Maryland and a letter of Instruction from me asking to have the money sent to my home address. 

I have contracted them at least 10 times ... Always a Representative says you should have the money in 10 days, or it's " under review ''. It is now XX/XX/XXXX ... .I don't know what to do ... .I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2019 I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.

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 2020-05-24
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had to cancel a XXXX vacation vacation I booked XXXX with XXXX, XXXX in due to the coronavirus shutdown. XXXX updated their cancellation policy on or about the XXXX of XXXX to allow for full refunds. I cancelled on the XXXX thru their website and have screenshots of the process. The confirmation screen confirmed my cancellation and noted that an email would follow in several days time. After not seeing a refund from XXXX after a week, I called their support number and was hung up on, and emailed their support team. The support team denied receiving my cancellation, and demanded proof, which I immediately provided. At that point XXXX ceased communication and I was forced to open a dispute with Chase Credit card. I opened a credit card chargeback, and my credit card company shared with me a fraudulent email from XXXX that claimed I never sent proof of my cancellation, when in fact XXXX was the party that had halted communication with me after proof was provided. I provided screenshots of my email exchanges and screenshots of the cancellation process and success notifications from XXXX from the XXXX of XXXX to the credit card company to disprove XXXX 's fraudulent claim. Chase has ignored my documentation and proof, reversed my dispute and submitted negative feedback to the credit reporting agencies, immediatley lowering my credit score. I do note that JPMorgan/Chase seems to be an investor in XXXX, XXXX and was part of their series C funding in XX/XX/2019 ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: SYNCHRONY FINANCIAL
State: KY
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:
Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates :XX/XX/XXXXXX/XX/XXXX I do not recognize this company and have no knowledge of giving  permission to pull my credit.

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 2019-11-06
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
You all are reporting a debt on my credit report that I have paid directly with XXXX XXXX XXXX/XXXX. I do not owe them anything. I paid them in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
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: 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. 

XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX those account above 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 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 explanation
Consumer complaint received 2018-03-06
Company: DISCOVER BANK
State: MA
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:
Ive seeked a Debt Management company for help paying off my Discover Credit Card. I was charged very high interest even after being accepted into the debt manangement program. I reached out to XXXX XXXX XXXX about this, but havent been helped. Im currently supporting my XXXX father and undergoing financial hardships. I am paying for my college loans as well which is making it hard to pay these debts in full. Id like to get help with the high interest fees Ive been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2018-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian. I know you've received multiple complaints about them. They charge me every month, despite me never signing up for anything. You can't cancel online. They don't answer emails. The wait time for the phone is over two hours long. Absolutely unacceptable.

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 2018-03-06
Company: CAVALRY INVESTMENTS, LLC
State: PA
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:
XXXX2014 -- -- - {$490.00}. reported on my credit report. told them this in not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/31 I went to XXXX to book a flight. Upon checkout, an offer for a XXXX visa rewards card was presented, offering a {$100.00} rebate if X amount was spent in X amount of days. After applying XXXX hard credit inquiry XXXX, I was not provided any information about my account. I didn't receive a confirmation email until nearly 8 hours later. At this point I didn't book my flight because I didn't have the travel reward card info. So the next day I called Barclay Bank and asked if they could give me my info so I could purchase my flight, and i was told they didn't have access to my account number and I needed to wait until I got the card in the mail ( 5-7 business days ). I was told that if I paid with a credit card, then the transaction could be moved from my current card to the XXXX reward card WITH NO BALANCE TRANSFER FEE. So I book the flight on my personal card. Fast forward to me getting my physical card, I call Barclay 's and ask for the transfer. The lady then tells me that there wouldn't be a transfer fee .... UNTIL XXXX XXXX this is a disgusting bait and switch tactic that put a hard inquiry on my credit report. I was transferred to customer service of both Barclay 's and XXXX, and each told me the other could do the transfer. As far as I know, there is no possible way for someone to apply for the rewards card at checkout AND USE IT THE SAME DAY to get the rewards. I want thia account closed but I do not want all the negative effects on my credit report. Absolutely asinine.

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 2023-04-20
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: Account information incorrect

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