BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
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: Was not notified of investigation status or results

Complaint:
On or around XX/XX/2018, I disputed a credit card account with XXXX  credit bureau .

On XX/XX/2018, I received a notification that the debt was deleted from my credit file.

On XX/XX/2018, upon a review of my credit report, I find that the debt had been reinserted on my credit file, however, I did not receive any correspondence from XXXX that detailed the debt was being re-inserted and the reason for doing so.

On XX/XX/2018, I contacted a XXXX   representative and informed that the debt had been reinserted and that I had not been given notice within 5 days of the re-insertion of the debt. I requested for the item to be removed from my credit file due to the me not receiving statutorily required notice and that it did not belong to me. I was told that a letter had been sent and I requested proof because I did not received anything from XXXX  regarding a reinsertion. The representative offered to re-dispute but refused to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank XXXX asks for information " or else '' they close the account. I call and visit the branch nd they say everything is ok. Then they block the account anyway without any notice and all my incoming wires are returned. 

I visit the branch and they tell me to go to a banker, the banker kindly takes me outside and puts me on the phone with customer service. Customer service tells me it's not them it's another analyst and that I have to wait, but that yes, they have received all of my information. 

I ask for names and they cover themselves so I got no names. 

Meanwhile, all of the wires are being rejected and they offer no solutions.

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 2021-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently received my federal taxes and used a good portion of it to completely pay the balances on both of my Capital One Credit cards. Both payments were paid instantly out of my Fidelity Cash Management Account and funds were deducted in real time. This was on XX/XX/XXXX. 
3 business days later I tried using my credit card for some diapers and milk, etc..and my card available credit is still XXXX. On both cards! 

I called customer service TWICE! The first time I spoke with someone I barely understood and they told me they placed an 8 day hold on my account, but then they were gon na reverse it after calling my bank to verify the funds were released. Well because of the while XXXX trading app debacle, fidelity has seen an increased volume in phone calls from people switching brokerage firms and we were on hold until I had to leave for work. So I ended the call with no resolution. 

In the meantime I logged onto my banking app to confirm and found out that the double dipped BOTH PAYMENTS!!! 

I called back again today and got someone in an American Call center. However, this person was adamant on not helping me. She told me there was nothing she could do even after yesterday there was a solution being attempted. I escalated to a manager. His name was XXXX. He literally patronized me the while time. " I understand, I apologize, blah blah blah. '' So I explain to XXXX that this is unacceptable that just yesterday a rep was calling my bank so they could release my available credit, and now they aren't even interested in helping me at all. 

I told him I should just close my account if that's how they treat a loyal customer, and that dude literally didn't even care. Straight up just said eff you, we have other customers, and closed one of my two accounts almost instantly. 

I'm so sick of credit card companies XXXX on poor people and holding their money for unjustified reasons. It was an instant debit payment from a Cash Management account. No XXXX way does it take 8 days to make sure you got the payment. They could have called my bank tonight to verify and kept a customer satisfied. Instead, the chose to not give a XXXX. I've attached a screenshot of my actual account SHOWING the payments being taken ... ..TWICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: ARVEST BANK GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are trying to gain 3rd party authorization to speak with the lender and they are refusing to speak with me. the borrower is deceased, but we provided a death certification and letters of testament - and we are still being refused authorization to speak on behalf of the deceased borrower

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion has failed to address my dispute in a timely manner even though I have informed them that the outstanding balance of my credit report 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 2018-09-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had an XXXX System installed by an authorized Carrier installer that offered 36 Months zero percent financing through Wells Fargo. When I enrolled I was told that if I pay down my balance the monthly amount would change based on the balance and remainder of time. about my 3rd payment I payed down more that half my balance but the monthly charge stayed the same. I contacted Wells Fargo and they stated the they do not change the monthly payment. They stated this is NOT a credit card but my statement says the credit card. And they sent me an actual credit card. This is deceptive and wrong! 

I would like to get a copy of my recorded phone conversation and the inception of this 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 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is against Trans Union. A medical collections account was attached to my credit profile by error and 30 points was taken off my credit score. I worded with the reporting company to have the collections account removed from my profile and it was reported to all credit bureaus. I my credit score returned to normal for all but Trans Union. I contacted Trans Union customer service was told that my account was put on fraud alert because of this action and had to contact their fraud division to get more information on when my credit score would return. I reached out to the department via the number given and was hung up on when the phone call was answered. I tried to call back and got no response. My credit score was lowered 5 more points the following week and is now 30 points lower than the rest of my credit scores. I'm unable to get any answers from Trans Union on this matter that happened between XX/XX/XXXX. and XX/XX/2017. I know that I don't have the best credit but I worked to hard to rebuild it.

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 2021-02-27
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 information incorrect

Complaint:
Hello, I am submitting this complaint in a seek of help with dealing with credit reporting agency such as Experian. My credit report is showing 2 account that have been charged off and still showing balance. Account in Charged Off Status, But Still Reporting Current Late Payments. A common FCRA violation is when a creditor posts late payments after the debt has charged off a past due balance. Documenting this violation with credit reporting agency after they have been notified of violation and completely ignoring the issue has caused me in unfair credit rating and a quality of my life. I am asking to please help me resolve this matter with Experian and create a lawful and fair reporting on 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 2020-05-13
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Today XX/XX/20 @ about XXXX XXXX  cst I attempted a international wire transfer with Western Union by phone and after giving some information I was then asked for an email address. I said Id like to have my receipt sent to my home address and was told I still needed an email. I was sure this was not the case as Ive made many transfers before so, I asked for a supervisor. A lady identified herself as Supervisor XXXX XXXX confirmed that that was in fact there rule. I asked and she was NOT able to tell me where I could read this rule but she couldnt honor my transfer without it. I feel like they only require this information of certain people and the rule discriminates against people who dont use the internet and email if, this is in fact there rule. In the past, I was always given the option of If I didnt have an email a receipt would be sent to my home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I hired a lawyer to send out cease and desist notices to this company, but they still are still harassing me with their constant phone calls. I can not use my USA number anymore ( I live in XXXX and the alleged debt they are trying to collect is in the USA ). Cybersecurity experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company Portfolio Recovery Service continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this Portfolio Recover is relentless. My assessment is that they are sociopaths or perhaps suffer from malignant narcissism. Whatever their disorder, they appear to have no conscience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
All my personal credit cards are stopped! I cant use them! I talked to Bank of America customer service! They are not kind! They dont help me out my problems!

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX  XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX  XXXX  XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2018-02-20
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Just started looking at my credit recently, and noticed there is a medical bill that i have no idea where it came from, i havent been to the doctors in over 15 years, Never Broke a Bone or Been Sick in Past 15 Years or So I'm not sure what this Bill is about When I XXXX the Company, it has nothing but 1 Star Bad Reviews, and there are hundreds of lawsuits against them for not Updating Credit that it has been Paid or Removed like agreed So i think it's a Scam Company Please Look into it and Let me know what i Need to do to get this Removed Thanks XXXX You've paid off -65 % of your collection amount. 
Balance {$10000.00} Highest Balance {$6300.00} Opened XX/XX/2011 ( 6 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX HOSPITAL DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX heres there reviews You'll see People had to take that to court and there XXXX reviews can be  found by XXXX searching XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: MARINER FINANCE, LLC
State: TN
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/XXXX I applied for and received a loan from a company called Mariner Finance. This particular branch is located at XXXX XXXX XXXX XXXX XXXX. XXXX TN XXXX ( XXXX ). As I understand it they are a subsidiary of XXXX XXXX. The purpose of the loan was to install a chain-link fence in my backyard to keep a dog Id recently rescued from escaping. I bought the fence from a company called XXXX XXXX XXXX. They are the ones that recommended Mariner Finance. I had trouble almost immediately with the finance company. I had originally authorized them to deduct a monthly payment from my checking account. What happened was they failed to deduct it by the due date and charged me a late charge. These charges occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After all of these late charges I decided it would be best to pay this loan off as quickly as possible. So I began making larger payments. According to the contract I borrowed {$2500.00} for a term of 30 months at a rate of 16.99 %. The finance charge was supposed to be {$600.00}. I began to monitor the details of this one online. What I discovered I was that they were charging different amounts for the interest each month. I calculate that Ive been charged {$760.00} so far. Id only had the loan for eleven months. My next payment isnt technically due until XX/XX/XXXX. Ill be interested to see how much interest the charge on the next payment Ive scheduled ( {$450.00} ). I hate to think how many others these people have done this to. I should also point out that Mariner has made false claims to the credit bureaus. That ended up dropping my score by 50 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Account was paid in full ; however, XXXX XXXX/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.

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 2018-09-17
Company: Security Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've previously contact this company as this information is incorrectly reported on my credit filed and don't owe this company because I didn't sign an obligation with them for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with PNC Bank in XXXX. they have held my funds since opening and refuse to make my funds available. 

I electronically deposited 3 of my payroll checks and 1 check from my father. they sent me a letter questioning the authenticity of the checks. I went into the branch and showed them my ID and the hard copy of my pay checks. they still refuse to reimburse me or give me the checks back to deposit elsewhere. 

the deposits total over XXXX XXXX dollars and I need my money for bills. 

please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, while filing income tax my mortgage interest statement listed a refund which was considered income in the amount of {$28000.00}. When I contacted CitiMortgage about this, I was told that I was overcharged interest from XX/XX/XXXX-XX/XX/XXXX, and that this amount was the refund and CitiMortgage decided to apply it directly to my principal instead of sending it to me. When I asked the supervisor why I wasn't given the choice, I was told it was CitiMortgage 's accounting practices and that this is how it worked. So, now my anticipated refund has become a unexpected expense all of a sudden that I was not prepared for. I consulted my attorney ( XXXX, XXXX XXXX   XXXX ) and sent them my mortgage documents that proved I should have been at the very least given a choice in the matter. My attorney wrote CitiMortgage a letter dated XX/XX/XXXX, requesting the refund on my behalf.

On XX/XX/XXXX, I spoke to another Supervisor at CitiMortgage named XXXX ( ID #  XXXX ) - He informed me that a case ( # XXXX ) was opened concerning the letter my attorney sent but was apparently closed on XX/XX/XXXX and he suspected it was because the case # should have started with a # XXXX ... and the " back office '' did not process the request because it was incorrectly put into the system. He then told me that he would send an email and to the remediation department and that he did in fact see my attorney 's letter in my file. 

On XX/XX/XXXX, I contacted CitiMortgage for an update on my case, I spoke with Supervisor XXXX ( ID # XXXX ) she tells me that because it's a weekend day, that she was limited in helping me, however, she did see that XXXX had since received a reply from the department he had emailed and that a case number ( # XXXX ) was assigned to my case and was sent to Special Loans on XX/XX/XXXX and expected to close by XX/XX/XXXX. She advised me to call during the working week and speak to a supervisor and to have my request escalated to the next level. 

On XX/XX/XXXX, I spoke with Supervisor XXXX ( ID # XXXX ) and requested an escalation to the next level supervisor. She kept me on hold for about 30 minutes and then kept insisting the amount was an overpayment and was applied to the principal. She said she was noting my account and she was going to have Supervisor XXXX contact me. To date, no contact has been made by Supervisor XXXX or any other supervisor at CitiMortgage.

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 2021-02-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I been a customer of experian for 3 years now with a monthly membership fee of XXXX. The company provides in my membership fraud, identity theft, stolen wallet & fraudulent transaction on a bank account up to XXXX XXXX my claim was for XXXX . I.tried to submitted a complaint with the fraud department after the covered loss happened. Although, I kept disclosing my personal information and getting directed to the same department but different representative 's going around in circles not directing me to the fraud department so I can make a claim. After the XXXX time I asked since I just paid my premium can you refund me my membership being as though you keep directing me to the same department different people and then the same people. They said no refunds. I explained in detail what happened with no response I wasn't covered just the avoidance of forwarding my call to different people in one department/ back to the same people not fraud or claims just the membership department.

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