BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Tried to log into online app with Citi as I have for a year or so and got a message there was a problem with my account and to call them. 

Did so and answered there security guestions correctly. Was told they would text me a code to read back to them but after three attempts was told they had an error in their system. Then was told I had been left a voicemail on XX/XX/19. Looked at my recent messages. Nothing there. 

Was passed to a superior and told all they could do for me was send a letter to the address on file or call back from another number. 

I explained I have no other number and had moved and had a new address ( one of the reasons I was logging on in the first place to change ). Was also logging in to increase payments to pay off before 0 % interest offer expired. 

Was offered no other resolution to fix this issue. Looks as if they are trying to keep me from adjusting payments to pay off prior to 0 % interest offer expires. 

They wont even switch to a mailed statement to the new address. Looks as if Im just locked out of the account but still expected to pay it. 

I need this resolved ASAP.

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 2022-08-09
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Grandfathered checking account opened when PNC acquired BBVA Compass Bank, where I ( and I'm sure many others ) had previously Free Checking accounts with no monthly fees or minimum balances. 
Now there is a service charge for not maintaining some preset balance in the account that I never agreed to and I don't even know : 1. ) what that balance threshold is 2. ) all of the possible fees associated with the account This was really poor business management on the part of PNC Bank, very unfair to the BBVA account holders that previously had totally free checking. Will definitely be taking my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I clicked a promotion on citibank 's website that stated if I put {$15000.00} into a savings and checking account, I would receive {$400.00} in 90 days. The person I spoke to said my account met all of the requirements and should have received the money on XX/XX/21. I did not receive it and sent a complaint. They stated in a letter that my account did not have the promotion code attached. I was never given a promotion code and that wasn't needed to open the account. It was simply a link to click and then open the account and follow the rules which I did.

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 2021-08-07
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
One year ago I received a notice of collection from First Credit Services in XXXX NJ, for a debt of {$110.00} to XXXX XXXX XXXX 

I have received 3 letters, each one after I responded requesting proof, because I do not or did not have a membership with this gym. I was sent a contract with a different signature, and it is a corporate account for a company I do not recognize.

I have repeatedly stated to them this is not my contractor and they willfully continue to misrepresent the facts.

Its also reached the point of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over 200 points.

Today I talked with a supervisor who said that all he could do was file another dispute even though Experian has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Experian with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.

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 2018-12-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.

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 2018-12-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife is an authorized user on my XXXX XXXX  account and she is the person who pays the bill. She has a card with XXXX XXXX, in her name, pertaining to my account. On XX/XX/2018 my wife called in a payment to XXXX XXXX  to pay the bill in full. The automated voice stated that the balance on the account was {$500.00} and asked if she wanted to make the minimum payment or if she wanted to pay the bill for the full amount due of {$500.00}. She made the payment in full for the {$500.00}. Yesterday, XXXX XXXX  called our home to state that they wanted to speak with me. My wife put them on speaker phone and I gave them permission to speak with her but they stated that " Massachusetts law '' would not permit them to speak with her. I asked that they cite the law they were speaking of and they had no knowledge of the law - but doing what they were " told to do ''. Needless to say, they never had a problem taking a payment from my wife over the phone. They then went on to state that we were delinquent approximately {$20.00} due to interest ( {$10.00} ) and a late fee ( {$10.00} ). We inquired how there could possibly be interest charged to an account that now has a XXXX balance for the next billing cycle after the bill was paid in full. This was even confirmed with their automated pay department. We have had these issues in the past. Once before, the bill was paid in full by my wife over the phone. Two months later my wife and I went to XXXX XXXX and our card was declined because there was a {$2.00} " service charge '' balance that was not paid the month prior, although the bill WAS PAID IN FULL!!!!. If this is happening to us, this is certainly happening to other card holders!!! They are nickel and diming their customers on bogus fees and interest charges on ACCOUNTS THAT HAVE XXXX BALANCES!!!!! The person my wife and I spoke with was XXXX XXXX ID # XXXX, who identified herself as a manager, refused to speak with my wife even after I gave her permission to do so and asked me if I wanted to authorize a payment ON " HER '' BANK ACCOUNT - ON THEIR RECORDS, WHICH MY NAME IS NOT ON!!!!. IT IS HER PERSONAL BANK 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 explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am writing to inform you that XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently moved..Santander consumer usa was last on my list to change address. My payments are sent auto  payment from my bank to you..yesterday I went to mailbox and received my XX/XX/XXXX. statement..with my NEW address ... .Where did you get my new address? 
I haven't submitted it to you yet ... 
I have had many problems with you ... .now I would like to know HOW and WHERE you got my new address? 
Your company has caused me unnecessary stress and anxiety,,, now this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, 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:
My Complaint is with The credit bureau and XXXX XXXX. Before XXXX repossessed my car. After they repossess my SUV they told me that they would take it of my credit report. Instead theyre reporting it every month as a close account causing me to lose anyway between XXXX points to XXXX points.. I call Equifax. Equifax did nothing to solve the problem. I have a daughter in college and I cant do nothing for her because XXXX XXXX is reporting on my credit report causing my scores to drop tremendously on all three credit accounts. Please help me with this injustice. Please help me so I can live my live again. Please Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America failed to satisfy the mortgage on our home and or release the lien on our home. This mortgage has been paid in full for 8 years. We and our bank have made numerous requests for Bank of America to rectify this situation and they have done nothing. They do not return phone calls, they will not let you speak to a supervisor. We have been trying for 3 weeks just to get someone to tell us where they are in the process and they refuse to give us any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill for {$490.00} from Convergent Outsourcing Inc., a collection agency They said I have a XXXX account balance thru XXXX XXXX XXXX  The address on file was an old address of mine 4 years ago The email they have on file is : XXXX. I have never had this email or ever heard of it before I had a similar problem with XXXX and XXXX XXXX  using this same address in XXXX of 2020. That went thru XXXX XXXX XXXX for the exact same amount .That issue was fraud and resolved in my favor. My credit score and account with XXXX  is locked and has not been breeched

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 2017-08-01
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX, I submitted the online form for my IDR repayment. I was told that I would need to submit a paper form this year. On XX/XX/XXXX I submitted all the required paperwork to continue on an IDR plan. On XX/XX/XXXX, I received notice that FedLoan required additional paperwork in the form of a XXXX form. I faxed the XXXX form on XX/XX/XXXX. I did not receive any additional notifications form FedLoan. On XX/XX/XXXX I received notification from FedLoan that my payment for XX/XX/XXXX would be {$900.00}. On the IDR plan, my payments have been {$260.00}. I have been dealing with FedLoan Servicing 's incompetence and illegal behavior for 4 years. Each time I deal with them I am told incorrect information, am lied to, and have money stolen from me. The attached files are only a fraction of the countless letters I have sent in to FedLoan Servicing and make no mention of the hours I have spent trying to correct their wrongs. I also lost hundreds of dollars when I was forced to pay off my XXXX Grant only to have it reinstated many months later and was not paid interest or the full amount that was paid to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple items in my credit inquiry history that I did not make.

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 2018-02-21
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:
Today I received a response from Experian CFPB Report number # XXXX On the mentioned report, it states that Experian verified the information as accuarte with the Furnisher. I clearly requested per LAW how you contacted the Furnisher. Time, date and whom you spoke to. I asked for documentation on how you verified this information and Experian failed to provide any information in written to my address. Experian Violated the law.

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 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Capital One closed my Venture card account without warning. I eventually received a letter from the bank that said " Capital One has observed activity on a past or present Capital One account that is not consistent with the banks expectations for account activity. '' But I never did anything unethical or unusual with the account. I simply used the card to pay for things that I would have otherwise paid for with other cards so it's hard to imagine what was " not consistent '' with expectations. Anyway, I understand that they can close my account for any reason. My problem is with how the rewards were handled. 

I had earned nearly XXXX " miles '' on the card. Those miles can usually be used for XXXX cent each towards travel purchases or can be transferred to a number of hotel and airline programs. I had planned to do the latter. 

Instead of giving me a chance to use the rewards the way I had planned, Capital One cashed out my miles at only a half cent each. So, instead of nearly {$600.00} in value, I got only {$290.00}. That is not acceptable, especially since I hadn't done anything wrong to provoke the shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get out of forbearance and no one at Pennymac is able to take me out of forbearance. I am unable to refinance my house do to this problem. Pennymac has frozen my account so that I cant perform anything on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
Took my then XXXX XXXX XXXX mother with XXXX to the bank to change her account to one that has no fees ever. The bank changed her account and PROMISED NO MORE FEES. Well the bank changed the account without any notice and began charging XXXX dollars each month, now XXXX dollars total. I went to the bank as soon as I could and even though the same girl ( ms. XXXX ) remembered us changing the account. She pretty much said, they would not credit her account. I asked for the branch manager but was told he was out sick and may not be back for a while I then asked her to call the district office she said we don't have that number. I tried XXXX Suntrust 3 times talking to 3 supervisors. None willing to help. 
Banks can not steal from the elderly, especially elderly and sick.

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 2021-07-19
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX - I went to a presentation for their timeshare program and declined to purchase. I did not sign up or purchase a membership ; however the company used my information and opened a Wyndham Rewards Earner Credit Card in my name. I asked them multiple times what they were doing with my information and was told they would only do an XXXX  credit check. Instead they filled out a credit card application in my name without my consent, knowledge, or permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
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:
XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. 

XXXX  XXXX {$410.00} Was paid and they are reporting inaccurate information. 

XXXX XXXX account is reporting wrong information. I would like it removed! 

XXXX XXXX XXXX. Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 


XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX/XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX  XXXX is reporting inaccurate information. I want this removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under XXXX while the other is reporting under XXXX XXXX XXXX XXXX. Mind you I have never attended college in life nor applied for federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to NC Commissioner of Banks, XXXX is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.

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