BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Citi Hilton honors card was closed in XX/XX/XXXX, as they decided to transfer the business to Amex. Mistakenly, I made one payment to Citi during the transition. The payment was in the amount of {$100.00}. This payment was not applied to my amex card, as I had to pay them the same amount and interest when I was notified my card was past due. Citi send me a letter dated XX/XX/XXXX stating that they have my payment, and a copy of the check, but they don't have an account to apply it to. ( letter has a reference number XXXX. I don't have my old Citi card number ) I've called 3 times. Once I was told to " wait '', once I was told to call Amex ( I did, they told me to call Citi ) and once I was bounced around to multiple people and then the call was disconnected. I also sent an email to Citi consumer complaints. No response. 

Its only XXXX bucks ... which quick honestly I could care less about. Its the principle of the matter, its the time I have spend trying to get it back, and its the thought that someone, some family who has nothing, and needs that XXXX $ to live, couple possibly be out the money and unable to get it back. In fact, I don't care if I get the money ... I just don't want Citi to have it. Donate it to a food bank, and send me proof.

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 2020-08-22
Company: PNC Bank N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, I requested to have my mortgage payments deferred for three months from PNC Bank. The representative I spoke with over the phone told me that the entire payment, both the principal ( ~ {$1400.00} ) and interest ( ~ {$2200.00} ), would be deferred. The representative told me that I would need to sign some documentation at a PNC branch location in order to complete the request, and I was told to wait for their phone call when the documents were ready to be signed. I received no phone call or further contact from PNC Bank and did not sign any documents which I was told needed to be signed. I did not make my mortgage payments for the three months for which I had requested deferral. However, XX/XX/2020, PNC Bank took {$8800.00} from my account without any notice. I called PNC Bank multiple times to complain about the charge to my account and was told that it was for four months of interest. I spoke with XXXX XXXX, who was in charge of the commercial mortgage department at PNC Bank. He was very rude and unhelpful, even informing me that this is the first time anyone has complained about this issue. PNC Bank did not want to resolve the issue and return the money to my account which never should have been taken out. I hired an attorney, and on XX/XX/2020, my attorney sent a letter via certified mail to the PNC Bank legal department. I have still not received any response. 

I feel as though I have been scammed by PNC Bank. Firstly, because I was told that both the principal and interest of my payment would be deferred. My interest is much higher than my principal, so there is no reason I would request a deferral if the entire payment was not deferred. Secondly, I was told that I had to sign documentation at a local PNC branch, but I never signed any documents from PNC Bank regarding my deferral request. If I had been informed that the interest would still be charged, I would never have made a deferral request at all. Thirdly, my regular payments were supposed to resume XX/XX/2020. However, instead of being charged my usual monthly payment, I was charged for four months of only interest, even though my deferral request was for three months. I was charged an extra month of only interest. I spoke with the local PNC branch manager about my situation, and she informed me that 9 out of 10 people have complained about the same issue. Lastly, as a result of PNC Bank 's wrongful withdrawal of {$8800.00} from my account, I was unable to pay rent for my business and I am now facing a lawsuit from my landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have duplicates from student loans they have listed 4 original loans listed as 12 loans Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed five times but it is originally one loan XXXX XXXX is a medical bill, it is illegal and a violation of my hippa rights to post my medical information on my chart and it's illegal to post duplicates I only have 4 original loan documents I even have addresses that are duplicates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA 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 2020-11-13
Company: CITIBANK, N.A.
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:
Citi advertised a {$400.00} promotion offer for opening a checking and savings account with their branch if conditions were met. 

I received a confirmation that I enrolled in the offer on XX/XX/2020. ( See attachment 'Exhibit A ' ) The terms for the {$400.00} checking offer were : 1. Deposit {$15000.00} or more into the new Citi account ( s ) within 30 days 2. Maintain a minimum balance of {$15000.00} for 60 consecutive days.

The bonus should appear within 90 calendar days from the date conditions were met. I double checked the Terms and Conditions to confirm I was not disqualified for anything else. ( see 'Exhibit B ' ) I completed the {$15000.00} deposit on XX/XX/2020 and received a confirmation of this from Citi XXXX see 'Exhibit C ). I then kept the minimum balance required to this date. 

I made a call on XX/XX/2020 to Citi. The rep told me all requirements were completed as of XX/XX/2020 per their internal records. He said I should expect the bonus by XX/XX/XXXX. 

I called again on XX/XX/2020. The agent XXXX XXXX XXXX again confirmed I had met all the requirements and he wasn't sure why the bonus wasn't being paid out. This agent said a possibility was not filling out a W-9 form when I opened the account, but this is a request for an ITIN/SSN from the government. This doesn't make sense as I opened the account in the US with my SSN. 

XXXX XXXX + 60 days + 90 days is XXXX XXXX. The bonus should have been paid out by this date but it is clear there is a mix-up at Citi and no I talk to knows why.

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 2020-11-13
Company: Professional Finance Company, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was occured on or about XX/XX/XXXX of 2018 and the original creditor never billed my XXXX insurance then tried to go over without billing my XXXX XXXX  first and sent the balance to me when my insurance information was furnished upon to begin with at time of service. Now years later they submitted my account to professional finance company in Colorado which refuses to check the validity of the debt which is invalid because I have a better business bureau complaint open where the original creditor themselves wrote that as it is too late to bill insurance the account ilhas been recalled from collections and written off as it was not my fault. When I contacted professional finance company countless times between 5-10 with detailed voice mails they said they are unable to contact their client to review the validity of the account this has brought my credit score down and it is not a debt I owe and never owe because of their deviant billing practices this needs to be reversed as soon as possible and they are refusing to do so when I clearly have it in writting and all the proof has been submitted. The original creditor was XXXX XXXX XXXX also in Colorado

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I submitted a permanent pre-screen opt-out by mail on X/X/2007 to the address provided on the Pre-Screen Opt-Out web page at XXXX ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: REGIONS FINANCIAL CORPORATION
State: NH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I Am a PROTECTED CONSUMER. I know my rights. I sent this company a official statement letting them know that I was a victim of identity theft. there were to remove these fraudulent items 4 days after receiving my statement on XX/XX/2021, but these items are still on my credit report. I feel violated and there are FCRA LAWS in place to protect me against this abuse .I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: NJ
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:
unauthorized fraudulent inquiries on my Experian credit report

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 2021-08-14
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I filed a complaint more than 60 days ago, I still haven't heard anything about the investigation. Items need to be deleted, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a letter to transunion from the bankruptcy court in regard to a bankruptcy reporting on my credit report stating that they dont give our public record to the credits bureau. In response to the dispute transunion sent me a letter stating that the information was inconclusive from what the letter state

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 2021-01-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently got married and changed my last name. I tried to update my name at Wells Fargo where I have a checking account. I brought my old debit card with my old last name as well as a W9, social security card, and driver 's license with my new last name. They refused to change the name on my account without a marriage certificate. 

When I then requested they close the account, they refused to close the account because I did not have any legal IDs with my old last name on them. ( I do not have old IDs because they were destroyed when I updated my name legally. ) Instead, they told me I would have to call to close my account XXXX all of the previous interactions were done in peraon ). When I asked how they would authenticate my identity over the phone since I wouldn't be able to show them an ID or a marriage certificate, they explained there were alternative procedures to authenticate over the phone. I asked to follow those procedures in the branch where I was to close the account. They said they could not do that.

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 2021-05-28
Company: Credit Karma, LLC
State: KY
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:
I contacted the company immediately following notification of the charge to my card, I spoke to customer service their app has no way to submit fraudulent charges for review, incalled them they told me specifically they wouldn't assist me for 3 days in which ill have to reconnect for them to create a billing dispute. I never recoeved my terms they told me they would provide {$200.00} as a bonus for opening the account i never recieved, terms and conditions i never recieved either or details regarding their negligence to assist with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
SEE ATTACHED DOCUMENTS. 
NO PROOF OR RESPONSE PROVIDED NO CONSENT GIVEN TO REPORTING COMPANY. I HAVE A RIGHT TO PRIVACY AND IT HAS BEEN DIRECTLY VIOLATED BY REPORTING COMPANIES. 
FTC REPORT HAS BEEN FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I spent 2 hours on the phone with a FTC help desk agent today who confirmed the reporting for FTC theft reports are broken after realizing if a customer statement is lengthy and or has tax fraud that the formatting is spreading across pages. They included notes on the internal system but would not contact the credit bureaus to validate the reports and said it could be 60 days or more for a correction and theres nothing they can do for me and that the credit bureaus can check their internal system for the validation or call the help desk number. 

Credit bureaus ( XXXX  and Transunion XXXX will not accept mine or my husband XXXX XXXX FTC Theft report for identity theft rights to enact FCRA XXXX blocking. They are stating they are fake because the formatting is wrong. Ive talked to them, uploaded and received the same response multiple times that they wont accept it even though Ive told them its coming straight from the FTC website. I uploaded the information to verify the reports with the FTC and they said they dont and wont do anything like that and Ill just have to wait. 

The two will not communicate with each other to allow me and my husband to enact our FCRA 605 rights and have just disputed the items instead of blocking. We cant get an auto loan because of these fraud accounts being listed and not removed and Ive been working on this for a month. Please, please 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 non-monetary relief
Consumer complaint received 2020-07-28
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, XXXX, will not pay my county taxes from my escrow account. I started receiving delinquent tax bill notifications. I tried to refinance my house is XXXX and it was discovered that the money is sitting in my account and has not been paid since XX/XX/XXXX. I called the company to try to resolve the issue on XX/XX/XXXX and was told that it was being escalated bc my home was being report as unoccupied and they didn't have to tax the taxes. I sold with a XXXX that transferred me to a XXXX ( in XXXX ) that would not do anything to resolve the issue. She told me that they updated my account and taxes would be paid XX/XX/XXXX. On XX/XX/XXXX, I received a new delinquent notice that the bill has not been paid. I call XXXX again and spoke with XXXX that transferred me to XXXX and was told it would be escalated with no reasoning as to why they still have not paid my taxes.

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 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
*XX/XX/XXXX- Spoke to Transunion about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Spoke to XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from XXXX stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.

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