BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
Company: CITIBANK, N.A.
State: MD
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 rewards from credit card

Complaint:
In XX/XX/XXXX, I had submitted a complaint to CFPB regarding Citibank 's failure to provide to me {$100.00} XXXX XXXX flight certificates for several years. I have received a response to case # XXXX from Ms. XXXX XXXX yesterday, and am not satisfied with Citi 's investigation into the matter. 

Citi 's response claims that the {$30000.00} spend requirement was not met for those account years. I tried to verify this data by exporting my transactions from the Citi website, which only allowed me to do so from XXXX forward. I exported all my transactions for the time period of XX/XX/XXXX to XX/XX/XXXX, and noticed the comma-separated value spreadsheet excluded all transactions preceding XX/XX/XXXX XXXX see attachment ). The exclusion of those transactions would cause my annual spending to not meet the {$30000.00} threshold for the award. 

Fortunately, by using the services of an account aggregator, I was able export all of my transactions using that card as far back as XXXX. Using the definition of an account year as XXXX XXXX XXXX, I summed all the debits for each account year since XX/XX/XXXX and discounted all the credits ( except for statement payments ) and for each one of them the {$30000.00} spending threshold for the award was met, which would have entitled me to the {$100.00} flight certificates ( see attachment ).

In an apparent effort to cover their bases, Citi stated in their response that " if the spend requirement would have been met, you would have needed to contact us within one year to request a replacement certificate. '' They did so without citing any rules. In the past, this benefit was automatically mailed to me. There was never a need to request a flight voucher and I believe this is a material change in the benefit that was not communicated to customers. 

The latter than states that " effective XX/XX/XXXX, the {$100.00} flight discount for {$20000.00} spent in the cardmembership year was added to existing accounts. This applied to any charges starting on XX/XX/XXXX, through your XX/XX/XXXX statement. The spend requirement was met during this time frame. '' Yet, I have not received any {$100.00} credit toward travel on XXXX XXXX, despite having spent over {$100.00} on airline tickets in the past year. They then cite my conversion of the card on XX/XX/XXXX XXXX XXXX full year after the XX/XX/XXXX deadline cited above ) as a reason to deny the benefit. It should come as no surprise to Citi that I would convert the card to one without an annual fee when the promised benefits are not being delivered. 

I am extremely concerned by Citi 's inability to correctly calculate my spending and unwillingness to rectify this situation.

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 2019-11-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have been trying to get Well Fargo Auto to correct two thing on my credit. The most important one is the charge off on my credit report because the balance was paid in full. I brought my car in XXXX, I was paying late after got injury work lost my job and had to go XXXX, but I caught up on my car loan it was pay off in XXXX my original amount of car payment amount was approximately {$900.00}, which I paid as agreed. But I was wondering why I havent received my title in XXXX. So Well Fargo Dealer Service said I still XXXX in Interest which I didnt know until i got a letter in the mail state that my account was sent to a Collection Agency called XXXX XXXX  XXXX .So I agreed to the Collection agency {$100.00} month and the fifth payment was to take the remaining balance, which was approximately for {$180.00}, they took out electronically for five months. I received my title XXXX, It even states on report my credit record that loan was paid in full. I was shopping for car a in XXXX at XXXX ran my credit and we saw that it said was paid in full/charge off. So the dealer and I called Well Fargo about issue and told me and dealer that my loan was paid in full and that they will fix the problem, remove It from my credit and send me my title in 10 days and they did send my title. So when I went to XXXX XXXX and traded in my car, with the title in hand. it still pop up again on my credit. So XXXX call them and ask how do u have this car as a paid in full/charge off and she has her title Theres is no way if her car loan was charge off she wouldnt have her title. He told them Im trying get her in a new car, but banks are going to give her a hard time. They said they would fix then. Then we ask why are there two Well Fargo on her credit report one said pay in full the other said paid in full also, then charge off. Then  theres two loan that are different, but its the same information. Again they told me it would be corrected. On top that why hasnt the credit bureaus remove from my report and its 13 year old. I call and filed a dispute with all three Credit bureaus and they did nothing. I have called Well Fargo myself and they couldnt explain what happened. Then Wells Fargo said that the partial number showing on my credit report dont exist.

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 2018-10-03
Company: Avid Acceptance, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My payment is behind not even a full month and I asked Avid Acceptance to stop calling my job because personal calls are not allowed and XXXX XXXX continues to do so.

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 2021-03-26
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second time making a complaint. I was in the process of reporting this issue to the Federal Trade commission and i was redirected to this page. According to the fair credit reporting act this inaccurate inquiry must be removed from my XXXX  and XXXX  account and not just closed. this item is Derogatory and is negatively impacting my credit score. It was Already removed Fully from my XXXX  account. This item was opened onXX/XX/2020 for the amount of {$21000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got a deferred credit card ( synchrony luxury card ) last year. I have been making payment and about 15 days ago paid or at least I thought paid the remaining XXXX dollars. Today I look because I am ready to make a purchase using the credit card and realize I now have XXXX dollars. The supposed XXXX I never paid which I did. And then the XXXX accrued interest. There was a fault in the app and now I am stuck paying XXXX dollars extra. I have 100 percent on time payment with any credit card or Loan I have done. I do not miss payments.

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 2019-11-08
Company: Credit Karma, LLC
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I enrolled in the use of credit karma, approximately on or about XX/XX/19. I was sent an alert that my account was accessed from another device. Not mone not me at XXXX XXXX. I reached out to there so called customer service department who stated they would get back to me with in 48 hrs. Well now it's over 100 hrs and no one has returned my email. If i am a victim of Identity theft I want to get ahead of this ASAP. It seems like they have been hacked and are afraid to publicly announce it. I hope you can bring this to light as you did with XXXX. 
Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: KY
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:
On XXXX/XXXX/2023, An unknown credit card account from XXXX XXXX appeared on my credit report. I have a dispute open with them, but I have disputed this fraudulent account twice with Equifax. Most recently on XX/XX//2023. Somebody used my SSN and I have sent documents proving the address used to sign up for the credit card was not mine. I have sent Equifax a copy of my ftc report, proof of residence at the time the account was made, and screenshots of the fraudulent address, phone, and the thiefs name on the mailing address XXXX XXXX mailed the card to! Equifax is not investigating this properly. Please help me. I'm a victim of Identity Theft. The balance is {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Nelnet, Inc.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently enrolled in college and my loans are not in repayment status. However, I would really like to keep my loan balance from growing during my enrollment by making small monthly payments. Nelnet does not allow for borrowers to set up auto-debit payments until they are in repayment status. I feel that this goes against all financial education best practices and discourages students from making payments. If auto-debit is an option for some borrowers it should be an option for all. Below is the exact wording from Nelnet when I attempt to set up auto -debit payments. 


" You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit.

If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CRESCO CAPITAL INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello there! Iam making a final goodwill attempt to have you clear up this matter. Its my understanding that consumer financial protection bureau help 's enforce consumers right 's, and stop bad reporting agency feom reporting inaccurate incomplete errors on consumer credit report. Also be advised that this is my third attempt, 120 days no response, is a automatic delection. This company is in violation of 15usc 1681, no need for me to go into detail, and tell you the law your company knows for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report, with physical documents. I am sure that uou are aware, current federal case law which states that consumer reporting agency bear grave responsibilities to ensure the accuracy of the account they report report on their responsibility must consist of something more than parroting information received from other sources which means i never received any proof of this account so it has to be removed required by law. 30 days validation note section 1692g ( B ) collector must provide name/ address of orignal creditor if different from current creditor. Section 1692e ( 8 ) failure to communicate that a debt is disputed to the other reporting agencies the list just continues. This company has ignored my request to provide me with the documents thats in their files months ago. Its obvious this company can't this account, and under section 611 ( 5 ) ( A ) of the fcra tou are required to promptly all information including the big three credit bureaus which can not be verified. Sounds like a civil liability thats granted to me for negligent noncompliance section 617 state 's if you fail to comply with the federal law, i can pursue litigation to my right under thr FCRA, i truly demand this account to be removed immediately Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit my payroll check twice a month for the same amount, same employer check over the past 6 months.. Bank of America seems to somehow not hold the deposit, and yet the next time they DO place a hold on my payroll check. 

I just never know what to expect or how to plan for what seems to be excessive holds even though my account is in good standing, I have never had a deposit returned nor do I overdraft my account. 

I feel discriminated against, and they never can explain the inconsistency or why I cant depend on having access to my money. 
I asked to escalate my complaint and I get told their is no one to escalate my complaint to or explain why they are holding my deposit.

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 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX. 
I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified 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 2019-11-08
Company: EQUIFAX, INC.
State: GA
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:
I am a victim on Equifaxs Data Breach and have put a fraud alert on my credit report after finding over 200 unauthorized /fraudulent on my credit. My credit score has dropped from a XXXX to in the low 400s. On several occasions I have called equifax and filed disputes online to have these inquiries removed. There was also some incorrect information on my report including the wrong name and birthdate but they were removed. I have attached a copy of my latest dispute results below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PLEASE SEE THE ATTACHED LETTERS THAT WAS SENT LAST MONTH TO MIDLAND FUNDING. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT MIDLAND IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTERS DATED AND TIME STAMPED FOR YOUR REFERENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: WI
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 continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a {$45.00} fee on Money Market Account with Synovus Bank for over the limit internal transfers to my Synovus Checking Account. The Money Market Account was originally a Savings Account that was switched to a Money Market Account because I was told I had an unlimited number of internal transfers I could do on the account. I was mislead with the information that was given to me. This is the first time I have ever incurred a fee on this account. I contact the Synovus Office in XXXX XXXX, FL office and explained to them that I was given misleading information and they would not refund the {$45.00} fee that I incurred. If I had known of the internal transaction limit I would have not exceeded it. I knew there was a check limit, which I have NO checks on this account but was told I had no limits on internal transfers to my Synovus Checking Account. This is deceptive and misleading to customers of Synovus Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: GREAT LAKES
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am 100 % XXXX veteran and my loan interest has not changed since before I joined the military. I am curious why Im paying loan debt still, President Trump passed a bill for XXXX veterans to get their student loan debts waived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called American Express on XX/XX/XXXX to tell them that I had just lost my job and will not be able to pay them the amount I am being billed. I have been a customer of theirs since XXXX and have always paid my bills on time. In the past when I had financial issues such as being laid off from a job, they let me get on a payment plan or hardship plan until I found another job. This time when I asked for a hardship plan or payment plan, they refused and said I am not eligible for any such plan. I reiterated that I DO NOT HAVE the money to pay them. They said, " well, then your account will be past due. '' This is unacceptable. I am trying to work with them, but they will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Law Office of Linda Strumpf
State: CT
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:
On XX/XX/19 I received a XXXX XXXX alert to a new hard credit inquiry. I opened this to Law Offices of Lind Strumpf whom I googled and found is a bad debt buyer, was able to do this without authorization or approval. I have 0 accounts in bad standing and have never heard of this lawyer ( XXXX XXXX XXXX. ) ( XXXX XXXX, CT ) or company in my life.

Company response to consumer: Closed with explanation