BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased a XXXX plan. They told me my account would be active in 1-2 weeks. 
On XX/XX/XXXX, after trying to use my service for the third time, I Still could not watch a movie. So I sent XXXX a cancellation request email for their service. I received no response of course. 
On XX/XX/XXXX, I filed a dispute with my Citi XXXX, where I placed the XXXX charge. They immediately refunded my money. 
On XX/XX/XXXX, XXXX messaged me regarding the chargeback request and the suspension of my account stating that if the vendor upheld my payment, I would need to email them to get my account reinstated. 
On XX/XX/XXXX, Citi messaged me with an updated stating XXXX had responded to their inquiry. They reinstated the {$110.00} charge on my account. 
on XX/XX/XXXX, I emailed XXXX and asked them to reinstate my account. No response. 

An individual pays {$110.00} to watch 2 movies a month. Out of my entire service, I have maybe been able to watch a single movie. I do not think it is fair to charge for this service as I can not use it and even when I try to use it, it A ) does not work or B ) XXXX did not reinstate my account to use it. I am not a chronic disputer. This is the only dispute I have ever filed with Citi. I do not want to pay for a service I can not use and neither do I want to use anymore at this point. XXXX is the WORST vendor I have ever worked with.

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 2020-11-01
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:
I submitted a request to the Mortgage company and to all three credit reporting agencies to fix the credit report status of the home mortgage loans. I have been in forbearance status since XX/XX/2020 due to Coronavirus. I have been unable to receive a much-needed loan to help my XXXX  due to this reporting being negatively listed on my credit report. I have reached out every month to get this fixed with no results. I have requested my report to be correct numerous times. I was denied SBA loans because of these negative reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
During the time that I was paying this credit card, I was working two jobs in college and while all other payments were on time, I somehow genuinely forgot to make a payment to this credit card. I made a payment arrangement once I found out that I did not make the first payment ( XX/XX/XXXX ) and fixed the missed payment with the representative and I was also under the impression that my XX/XX/XXXX payment would be included in this agreement. However, to my surprise I was once again late on another payment for XX/XX/XXXX. Once this happened for a second time I set up automatic payments as these were honest mistakes and I did not want it to happen again. I have a 98 % on-time history and this incident was about 2 years ago now. I spoke with the representatives around the time and they informed me that they were unable to remove the " late '' payment, now after consideration I would greatly appreciate it if I could have both of these removed as I have not missed a payment or been late since this time. Not to mention, I was younger and did not understand the importance of credit at the time. I am now trying to increase my credit score and this would help immensely. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
{$2800.00} XXXX XXXX transfer XX/XX/20 Cancel XX/XX/20 called bank XX/XX/20 XX/XX/20 Call bank 20 times Reason mom gave me the cash for the XXXX I didn't know she was coming to do that ... please help Try to Pick up can't because it was a refund and ID was stolen and I have it now ... please give it back I have no grocery and I'm homeless ... I just lost my house to day I cancelled the money transfer because no ID ..at the time I been emailing corporate and call for 3 weeks. I will submit pictures of the email also 5 different times I been waiting to talk to someone I just get hang up on im very confused the bank is treating me like XXXX. Also some girl was laughing when I said I will be home less Bank of America

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 2022-10-05
Company: Opportunity Financial, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
OPPORTUNITY FINANCIAL XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2018 Responsibility Individual Account Account Type Installment Account Loan Type UNSECURED Date Updated XX/XX/2018 Payment Received {$270.00} Last Payment Made XX/XX/2018 High Balance {$800.00} Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Weekly for 9 months Date Closed XX/XX/2018 Remarks ACCT CLOSED DUE TO REFINANCE ; CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX the bank received a refund from the county on my taxes in the amount of {$7500.00}. I have still not received a refund and they can not tell me when it will come they say like XXXX. Also I asked that my house payment be reduced to reflect the amount of taxes I pay Now which is {$550.00} versus {$3300.00} And they refused to Reduce my payment until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Synchrony bank - we purchased a couch and were offered 0 interest for 12 months on financing. After signing up for this, one month later we found out it was a credit card. We made payments and after 12 months we owed {$300.00}. Next thing we know we were backcharged interest and only realized it 90 days after the charge, so we were charged an additional {$700.00}. We were never told this was deferred financing and we thought it was normal financing, and that we would be charged interest on the balance owed and not tr full purchase. I contacted the bank several times and they would not assist in refunding this back interest. I paid the whole amount off after dealing with them for 3 days and getting nowhere. The issue here is they allow untrained people to talk you into these cards and you are never told that you will be back charges interest. In my case I would have just paid the rest of the amount off and avoided the extra {$700.00} charge had I been aware of this.

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 2022-01-06
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX, XXXX contacted Nelnet, whom Ive paid for my student loans for years, to find out who has my loans now ( since I consolidated for the XXXX program ), I was given a phone number to call. When I called the number, it was a number connected to a student loan processing center ( LLC ). I was lead to believe this company owned my loans ( bought from Nelnet ). 

XX/XX/XXXX, XXXXWhen I contacted the company whom I thought had my loans since Nelnet gave me the phone number, The agents walked me through the loan forgiveness process telling me I qualified to have over {$5000.00} of my loan forgiven. They assured me they would set me up on a payment plan and had all of my loan information, social security number, and personal information ready to start the process. I went through their 3 steps they insisted I write down and walked me through the contract process given them permission to start the repayment process. I sent them a picture copy of my drivers license as well. When I asked about payment set up, the agent assured me that it is processed through another office because she was not able to take payments for confidentiality purposes. Once I gave my debit card information to the person designated for this, I was assured that they would contact me before debiting my account. Later that day, I kept seeing emails from the Federal Student Aid ( FSA ) website stating my password was changed. While I was on the phone with them earlier, I didnt realize I was giving them permission to go into my account. During that time, they changed my account personal questions so they could continue to have access when I changed it ( I contacted FSA and we figured out this was how they kept access ). I immediately called FSA to see what is going on to find out I was scammed and that FedServicing Loans has my account. I called my bank and cancelled my debit card immediately. I then emailed the LLC to cancel services and request a full refund for the {$490.00}. I received a call from someone the next day who requested a credit card number to issue the funds back. I refused and went to my bank to rectify. Since, Ive contacted XXXX, experian, and worked with my bank compromised. I waiting to hear back from my bank on the verdict of the reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: EQUIFAX, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from XXXX. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX {$750.00} XXXX   XXXX {$300.00}

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 2020-05-14
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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$120.00} XXXX  XXXX {$750.00} XXXX   XXXX {$300.00}

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 2020-05-14
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2019 I received documentation stating that I would be in a settlement class action lawsuit against Wells Fargo Auto because Wells Fargo placed CPI insurance on loan when I already had XXXX XXXX. However, I called to get info in regards to settlement amt and cpi amt. After sending 18 emails and 32 phone calls no one called but 2 times to send check to correct address after that I received chk disputing amt of CPI check because I had coverage with Progessive Insurance dating back XXXX in which I paid because I only paid my insurance 1 time annually. So I'm disputing the cpi amt because I suppose to rcvd chk for XXXX for the 10 mths I had coverage but didnt need it. I sent in proof of XXXX XXXX coverage and punt amt about 12 times to CPI Settlement Info however, on letter I rcvd they stated that I never send it in so I'm requesting Wells Fargo CPI to refund my funds for those mths that I didnt need coverage as well as compensation for my vehicle getting repo as a result of this, credit worthiness, job loss, and transportation costs.

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 2020-11-01
Company: The Receivable Management Services LLC
State: VA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-11-01
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company continues to report incorrect information to credit bureaus. I have no knowledge of this account on my credit reports. I have disputed this account multiples but I never received the proper verified documents pertaining to this alleged account. I have mailed multiple letters to this company about this account and I have had no response to the letters I've sent. I have not received any information about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had XXXX XXXX XXXX and XXXX XXXX constantly calling my phone and my Granddaughters phone, I have done them that i am just not financially able to pay the debt, yet they keep calling multiple times a day with a different number each time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: Perfection Collection
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We never received any written notifications, phone calls, or messages from a company named Perfection Collections before they showed up on our credit report on Friday, XX/XX/XXXX as an outstanding debt. After some research, we found out that they are a debt collector for XXXX, a security service we used back in XX/XX/XXXX-XX/XX/XXXX, for a house we owned in XXXX XXXX, NV. We discontinued service by not signing an extended service agreement after our two-year service agreement ended and because they never responded to an intruder in the house and hired a new security company to provide services to the home. We between the years XX/XX/XXXX and XX/XX/XXXX, we have written several letters and e-mails to XXXX inquiring as to when they will clear out our account of the XXXX dollar ( {$55.00} ) security fee they charged us for what they state was something that was due to us causing the alarm to sound. However, they are responsible for providing security services and did not do that in a timely manner thus leading to another security company responding and our neighbors responding to the intruder along with the local XXXX XXXX Metro Police Department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital Systems is reporting to under 3 bureaus and have not verified debt. Original account seemed to be originally taken out while I was a minor, and because of that the collection should be removed. Also the said contract was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage has put me in a trial payment period for a loan modification. My online account states that I am in a loan modification trial. I have not requested a loan modification by phone or written correspondence. I DO NOT ACCEPT THE TERMS OF THE LOAN MODIFICATION, AND I WILL NOT SIGN THE PAPERWORK, GET IT NOTARIZED, OR RETURN THE PAPERWORK. I AM REQUESTING TO BE REMOVED THE THE LOAN MODIFICATION TRIAL IMMEDIATELY. Wells Fargo has not applied 4 mortgage payments to my account. Despite the fact that I've requested a detailed explanation as to why my payments have not been applied, WFHM has not provided it. I've been told by WFHM that my statements will be adjusted after I return the loan mod paperwork. Because the payments have not been applied to my account, an overdue amount is stated. I believe WFHM is using the loan mod as an excuse to use a questionable accounting system where they apply payments when it suits them. I believe they are using the money from payments elsewhere, instead of applying them to my 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 2020-09-03
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please be advised that this is my SECOND WRITTEN REQUEST asking USDOE/XXXX  to remove the unverified accounts listed below that remain on my credit .report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. 

USDOE/XXXX  # XXXX opened XX/XX/2010 balance {$0.00} PREVIOUSLY DISPUTED DUE TO TRANSFER. PLEASE REMOVE AS IT IS NEGATIVELY IMPACTING MY REPORT. THERE ARE TWO USDOE/XXXX  ACCOUNTS WHEN THERE SHOULD ONLY BE THE CURRENT ACCOUNT. PLEASE REMOVE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: BB&T CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An ACH transfer from another account was delayed/reordered to result in an overdraft fee from a check. According to the online banking information the transfer shows as pending Tuesday XXXX, and according to the sending institution was completed by sending institution on Monday XXXX. Also, a positive available balance is shown on the account and multiple debit transactions were allowed on XXXX even though overdraft is not authorized, which also supports the accusation that transfer was intentionally delayed or reordered to generate an overdraft on the check.

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 2020-07-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/20 ; Unable to file dispute. Tried online, was told to call phone number. Phone number on printout is only for memberships, and eventually you get hung up on. There is NO WAY to file a Dispute with these people, and NO WAY to get a real person on the phone ( unless of course you buy their " membership, '' I'm sure. ) This is a violation of the FCRA. 

I have a RIGHT to file a Dispute, and they have a DUTY to accept, process and investigate it. 

I want the CFPB to investigate this, and I want the name and address of the Experian NJ Registered Agent so I can initiate a suit against them in the Special Civil Part of the Superior Court for damages.

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