BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-17
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
In order to help out my brother, to help improve his finances, we called Wells Fargo Thursday XX/XX/XXXX to stop his ability to get cash advances through his credit card. The idea is to plan ahead, understand what one should do, and make a long term decision with the credit card company, to hinder ones ability 'in the moment ' to compromise and give in to getting a cash advance.

Wells Fargo refused to do this, saying they couldn't. I don't believe them. If they can increase limits, they can also decrease limits, and they can stop ability to do advances. They just don't want to.

I called again on Saturday XX/XX/XXXX, with my Wells Fargo credit card account. I asked for them to stop and freeze my ability to do cash withdrawals. They refused and said they couldn't. I asked for them to lower my cash advance limit, to an emergency type of level ( like {$100.00} ). Again they refused and said they couldn't.

I believe it is right and proper for consumers to have the ability to reduce ones limit for cash advances. We already have the ability to limit total credit limits.

Credit card companies make it too easy for people to access and make cash advances ( and they charge them exhorbidant interest rates to boot ). I believe this preys on people 'in the momemt ' and offers them quick cash in the moment. While they state the interest rate, not all consumers understand this, and the 'fine print ' of what the credit card companies charge ( 25 % interest, interest daily and immediately ). I believe it is in the consumers best interest to have the ability to limit ones long term access to cash advances. What are the credit card companies afraid of? THey make obscene amounts of money off cash advances and don't want this golden goose cut. It's just not right. Consumers should have the option to limit it for themselves and others who hold their credit cards.

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 2019-08-08
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted the lender Freedom Mortgage for a status update for a loan modification application that was submitted to them this was on XX/XX/2019 I was told that there were some docs missing and so I gather the requested docs and faxed and emailed them to the lender I also had confirmed with them that if I provide these docs and the client is under review if the date of the sales for XX/XX/2019 would be put on hold I was told yes so I called the lender today to find out the status again and the lender tells me that they only received part of the fax once again. I refaxed and re emailed I have confirmation that the fax was received again, so I waited an hour, ( per lenders request ) and was told that the home was sold. I escalated the situation to a supervisor and was told that there were none available. After waiting on hold for 24 mins then was advised to call the trustee which I can not get ahold of a live person. I feel like this was a way of them stalling to be able to sell the home and even though I have been sending and have proof that the docs were sent on time and compliant with everything they requested they not only won't review me for loan modification but sold the house!!! this isn't fair.

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 2020-11-06
Company: Navient Solutions, LLC.
State: ND
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter to on XXXX to collect a student loan that is being collect by Navient and or Dept. of Education. And XXXX who I have not received any letter of my complaint XXXX. Navient nor Dept. of Education has contacted me on any changes. 
I do not agree with amount owe per any of these companies who failed to provide proof of legal identity. US Dept of Education and Navient indicated no payment until after XX/XX/21 signed by President Trump. These company are harassing me. Until I get official notification from Navient and US Dept of Education, I assume this is fraud.

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 2016-09-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
My wife has a credit card account with Citibank. Citibank is reporting to the credit bureaus as if this account is a joint account and reporting it as my debt also. I have never agreed to pay this debt. I did not apply for this account. My wife has called and demanded they remove me multiple times. They remove me then shortly after that, they report the account to the credit bureaus as a joint account again. They continuously say they wo n't speak to me since it is n't my account, but report it against my credit report. They have told my wife multiple times that this is " their policy ''. I do not think their " policy '' is allowed to supersede the law. I want it removed from my name permanently.

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 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX is a once a year chance to obtain and review a free copy of our credit report. However, this year, the site inexplicably fails while trying to obtain each of the 3 reports. Each Credit Agency gives an error without explanation, and suggests a mail-in report instead. 

This is the first time this has ever happened to me, and discourages consumers from exerting their right to see their credit report once a year. 

Credit agencies should be required to actually provide the report online in a convenient format as intended by the website. Else they are simply pushing consumers to pay for access to their own personal credit 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 2018-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am attempting to pay additional principal on my car loan each month with Bank of America. My loan payment is approximately {$420.00} per month. I pay on average {$750.00}. Rather than applying my extra payment to principal, they are charging me future interest and extending my next due date. I have called multiple times and I have not received a valid explanation. Finally, they indicated I would have to go into a branch each month to request the extra be applied to principal. This is simply not feasible. They continue to overcharge on interest because their online system can not " process '' the extra payments correctly. This is simply BofA stealing money. Today is XX/XX/XXXX and I made another payment. My next due date is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today, Friday XX/XX/XXXX, once again Equifax has refused to give me my free annual credit report. I report this every year. I've spent hours trying to resolve this since XXXX. Every time CFPB ignores my actual complaint. 

I want to know why I can not get my credit report online from Equifax. I want to know why this happens every year since XXXX. 

This is the error I received : XXXX XXXX XXXX I DO NOT want a PHYSICAL copy of my report from Equifax mailed to me. 

I want it available online like it is supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I received a notice from Collection Professionals , Inc. regarding a past-due balance from a medical provider in the amount of {$580.00} relating to a visit that I paid-in full for on XX/XX/2019. I sent a dispute letter on XX/XX/2019 via XXXX overnight courier to Collection Professionals , Inc. located in XXXX, IL. On XX/XX/2019, XXXX with Collection Professionals , Inc in XXXX, IL signed for the overnight letter on XX/XX/2019. On XX/XX/2019 Collection Professionals, Inc. submitted this account to XXXX  AFTER they received my dispute notice causing my credit to suffer negatively BEFORE they provided any information on the account to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: NY
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 Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
All correspondence and attempts to collect this alleged medical debt from : Stoneleigh Recovery AssociatesXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Timeline : Stoneleigh Recovery Associates ( SRA ) XX/XX/XXXX : Two ( 2 ) notices looking for payment of {$60.00} each ( total {$120.00} ) two separate account numbers and two separate SRA file numbers. One notice had my address written incorrectly. 
XX/XX/XXXX : I sent, by registered mail, request for validation of debt, which included request for the following information as required by the FDCPA, 15 USC 1692g Sec. 809. 
XX/XX/XXXX : SRA mailed notice to me they had received my request for verification and were awaiting information from their customer. Letter also stated there would be no attempt to collect on this account during this time. 
XX/XX/XXXX : SRA mailed partial verification of debt ( four pages including cover letter, page one : cover letter, page two : notice of physical address of Massachusetts office, page 3 : copy of a XXXX XXXX from a doctors office, page 4 : explanation of patient notes, with no name or account number on it. 
XX/XX/XXXX : SRA mailed one notice looking for payment of {$60.00}. Address incorrect, different account numbers and file numbers from previous year ( see above ). 
XX/XX/XXXX : I sent, by registered mail, request for validation of debt, which included request for the following information as required by the FDCPA, 15 USC 1692g Sec. 809. 
XX/XX/XXXX : SRA send me notice they received my request for verification of debt. Included in letter is the statement : During this time SRA will not attempt to collect on the account. 
XX/XX/XXXX : SRA mailed me four ( 4 ) notices of debt, ( all different account and file numbers, address incorrect ). These notices were looking to settle these four new accounts for less than their alleged original debts. 
XX/XX/XXXX : I sent, by registered mail correspondence to SRA which included a copy of the notice that said they would not be attempting any collections until previous debts were verified ( which I never received ) and requesting verification of the 4 new alleged debts.

On your site I noticed that SRA has engaged in activity similar to the one described by me above. I put in my correspondence I would be filing a complaint with this agency and the Massachusetts Attorney General. I may also seek private counsel to pursue monetary compensation for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Didn't receive services that were advertised

Complaint:
On today XX/XX/2019 1. I called TransUnion three times regarding having my question/concerns about why my credit monitoring 3 Bureau report was not updating and hasn't updated since XX/XX/2019 in current billing cycle and did the same for previous billing cycle. 

2. I spoke with XXXX, XXXX and some hard to understand named person today. I was also hung up on when I asked repeatedly to be transferred to the United States. 

3. TransUnion has a major problem forwarding calls offshore and is okay with those reps who answer their calls to just speak with customers any kind of way and apparently are okay with reps simply hanging up on customers when they demand to be transferred to the United States. 

4. I will be attaching a copy of the screenshot of my credit monitoring report showing the fixed date of XX/XX/2019 along with other shots of XXXX and XXXX credit monitoring showing you totally different scores. 

5. I could not ever get a competent person on the phone with TransUnion who could fix whatever the issues are with my 3 Bureau credit monitoring not properly updating even though I pay in advance for the service each month. 

6. Transunion does not update the other two credit bureaus intentionally in order to coerce me/customers to actually repurchase their 3 bureau report at full price because the report date does not change. The service you pay for is suppose to allow you to see all three bureaus credit report scores in real time. Only TransUnion scores are reporting in real time 7. The 3 Bureau credit monitoring is XXXX/mo. I feel XXXX for past two months need to be refunded to me immediately. 

8. TransUnion continues to refuse to transfer my calls to the United States once I make demand on it's representatives. This is a Federal Violation for TransUnion to refuse to transfer a call once demand has been made.

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 2016-05-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I had XXXX fradulent charges placed on my credit card account. I reported them two days after they were placed on my account. I have been lied to 4 times about how long it will take to have them removed. I called in once, and was told 2-3 days. 3 days later i called in and was told it takes 5-7 days. I called in 7 days later and was told it takes 7-10 days. 10 days later, I called in and was told there is no expected time to reconcile the charges and remove them from my account. Every other time I have reported fradulent charges to my citibank credit card they applied a conditional credit immediately. This time they are basically refusing to remove them, and they continue to count against my credit line, despite the 100 % no-liability on fraud charges a that is advertised by Citibank for their credit cards.

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 2017-01-18
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank has confirmed my promotion on the case XXXX. They told me that " the cash bonus of {$400.00} will be applied to your joint account no later than XX/XX/2016 ''. However, till now I have not received that. I reported to the banker and phone service, they just pass the bucks and not take responsibility. 

I am tired about citibank service and reluctant to solve the problem, I feel bad of they did not make their promise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
I was checking my oldest credit account online as of XX/XX/XXXX, noticed it had been closed due to inactivity. I called Capital One in response to get it reopened, but they claim they can not reverse this decision. I was told it was closed XX/XX/XXXX so this was within 90 days that I was inquiring about this account and requesting it be reinstated. All of the contact information has been up to date, and I have not received any notices that this account was going to be closed. The representatives confirmed on the phone that no notices were sent. I also called again on XX/XX/XXXX to try and have the situation rectified but they claimed they could not reverse the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Experian Information Solutions Inc.
State: GA
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:
A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, Experian and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.

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 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in REF : to XXXX XXXX XXXX XX/XX/XXXX : I always every month paid my card payment the day I received it in the mail, and made payments of XXXX, XXXX, XXXX, XXXX each month, I only owed them {$1200.00},, I said why doesn't this card ever go down? also, I have several fraud charges which I told them about one is for XXXX XXXX for {$690.00} They took the charge off in XX/XX/2018, then sneakily, put it back on my account in XX/XX/2018. I said I'm sorry but you only have 30 days to do an investigation. So, This is breaking the law. Then there were several more fraudulent charges which you will see on the documents im submitting, anyway, I'm elderly with a XXXX XX/XX/XXXX, and can not work anymore. So, I live in the red in XX/XX/XXXX and my son was XX/XX/XXXX XX/XX/XXXX by aXX/XX/XXXX, so I received a small death benefit for his death. So, I had the ability to get a small mortgage and to buy a condo on XX/XX/XXXX. I go to Contract on the perfect condo, in the middle of that XXXX XXXX XX/XX/XXXX reports that I haven't made payments to them in a yr, which lowered my credit score into the XXXX range, now the Mortgage company ( XXXX XXXX, XXXX  XXXX  ) said they can not go forward with the mortgage unless my credit score goes back up. I have been on the phone with XXXX XXXX back day and night for 1 week, my Bank was on the phone with them for 3 hrs. and finally confirmed that they couldn't account for any of my electronic payments. At the end of that conversation XXXX XXXX XXXX XX/XX/XXXX ( my Bank andXX/XX/XXXX confirmed all my payments ) but XX/XX/XXXX is stating it will take up to 90 days to report it to my credit bureaus, I am so furious, it actually made me physically sick, my XXXX and head were killing me for several days. They owe me over {$3000.00}, in overpayments as well as the interests and fraud and missed payments charges. Ridiculous charges. I have all the proof and I will upload all pages from the bank, conversation with the bank, etc. When I would report fraud all they would do is send me a new card never took off anything. The last card they sent me i never activated because, I feel they are stealing my money and they are located in XXXX, even though they say they are in XXXX XXXX, XX/XX/XXXX. I told them i don't want your XXXX card I want the money you owe me as well as fraud charges on my cards, as well as all interest, non payment fees etc. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've contacted Transunion previously about inaccurate and fraudulent information showing on my credit report. XXXX is in deliberate violation of the Fair Credit Reporting Act. I have provided XXXX with proof that they are reporting inaccurate information, but they chose to still report the inaccurate 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 explanation