BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: CITIBANK, N.A.
State: NY
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:
Regarding : Citi XXXX XXXX Bonus Bonus Details : XXXX XXXX Points after spending {$7500.00} within three months Problem Description : Card was received with a statement which reads : " Our records show that you are not eligible for the bonus based on a recent opening or closure of your Citi card ( s ). '' Upon calling Citi ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) today to understand the issue, I was told that I likely had a card within the last 24 months which invalidated the offer. I informed the representative that I have never before had a XXXX card. He further checked and said that I had a different XXXX card which was closed in XXXX. The card which I had closed was different to the Prestige card but I was told that I was likely not allowed the bonus because it was within 24 months and within the same " family '' of cards. I then asked where on the application that information was as I have a print out of the application which I completed online and see no text describing that. The person assisting me spend quite a bit of time trying to find the text which stated that and then eventually had to put me on hold to further investigate. Eventually he was able to come back with text which another individual found on an application which stated the original reason described. The text apparently greatly differed from the offer which I read to the representative which made no such statement. He informed me that the offer was not available to me because of this text. I again stated that it was not the offer with which I had applied but he stated there was nothing he could do about that. I also informed him that when I had called in originally to check on the application ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) the representative made a point of confirming with me that I would need to spend the {$7500.00} within the first three months to be eligible for the bonus of XXXX XXXX points. He apologized for me receiving bad information but stated that he could do nothing about that. 
Issue : The application, which I printed, makes no mention of the exclusion which the representative from the XXXX call quoted. The simple statement the second representative made that the first was wrong does in no way make what I was told incorrect or invalid. I was speaking to a representative of Citi in my first call and she clearly stated the details of my bonus offer. She even went so far as to put me on hold while she handled the application with, as she stated, an underwriter and never once made a statement that I would not be eligible for the offer.

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 2023-01-29
Company: Yamaha Motor Finance Corporation USA
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Incomplete Documentation. I had XXXX loans on XXXX different XXXX. The XXXX payment was {$330.00} on XX/XX/2020. Also they show {$1100.00} was applied to the principal on XXXX XXXXXXXX XXXX the XXXX which does not show it has applied. Need all payments dating back to XXXX on both the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 :. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Credit report XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: GLA Collection Company, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm the owner of XXXX XXXX XXXX and I put in the incorrect original TAX ID and I've tried to update it but with the covid, nobody is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have faxed several mortgage modifications with financials to my mortgage company Penney Mac. My income was reduced when I became XXXX, Penney Mac doesn't want to work with me to reduce my mortgage payment. 
My attorney has filed and injunction to stop them from foreclosing on my home. 
A foreclosure property sale is set for my property XX/XX/2018 and there is a restraining order in place to stop the property foreclosure sale. Penney Mac is discriminating against me and they refuse to respect consumer rights and federal guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: FIRST ADVANTAGE CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Consumer reporting agencies may not report outdated negative information.Some of the information on my background is over seven tears old.To be exact the information they reported is from XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: TCF NATIONAL BANK
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account with TCF Bank. On Monday XXXX XXXX, the balance in the account was {$51.00}, purchases were made at XXXX XXXX for {$12.00}, XXXX XXXX for {$11.00}, XXXX XXXX for {$3.00}, and ( local grocer ) for {$7.00}. I checked my balance online the morning of Tuesday, XXXX XXXX, and saw that the XXXX transactions had posted to his account and funds had been withdrawn, and the remaining balance was {$16.00}, then he went to ( local grocer ) and purchased some groceries for a total of {$32.00}. I realized that this transaction was going to cause an overdraft ( for which he has protection ) and he decided to make the purchase anyway, knowing he would be assessed an overdraft fee of {$37.00}. When payday came on XXXX XXXX, he got online in the evening to check the deposit and found that the balance was much less than he had calculated. TCF had charged him a total of XXXX overdraft fees at {$37.00} each, XXXX of which were assessed on XXXX XXXX and a fourth fee was assessed on XXXX XXXX. We ( my wifeand I ) called the bank this morning ( Saturday, XXXX XXXX ) to notify them of the discrepancy. XXXX customer service reps and XXXX Lead Customer service Reps explained to us that the fees were assessed on the previous XXXX transactions because they were not actually posted, but pending, on XX/XX/XXXX and the bank posted them on XX/XX/XXXX along with the XXXX transaction. They blamed this on the merchants stating that TCF can not control when the merchant will make the demand for payment. TCF is using this process of " pending '' transactions to assess more fees to the customer, and then blaming the merchants when there is a complaint. We plan to close our account with TCF as soon as the payroll deposit cam be changed, but other customers need to be aware of this fraudulent practice, and merchants need to be made aware that TCF is blaming them. If TCF were the only bank we do business with, we would fall for this scam, however, we also bank with a local small-town bank and a bank much larger than TCF and we know that this practice is not " an industry standard '' as TCF representatives claim it to be. In the end, the TCF lead rep agreed to take off {$15.00} and then agreed to remove XXXX of the XXXX overdraft fees. To avoid this happening in the future, they offered that we could apply for a line of credit or open another savings account and link them, that way we would only be charged {$10.00} for each transaction. They still owe us {$74.00} which we seem to have no recourse for but to take them to court which would cost us more. This is criminal and they are getting away with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-28
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a deposit in to Chime account on XX/XX/XXXX at XXXX. Transaction ID number is XXXX chime close my checking account without any notice they never alerted me to the deposit of the amount of {$1100.00} that was made on XX/XX/XXXX they closed the account XX/XX/XXXX. Through research of my own the institution that deposited the money into the time account told me where my funds had been deposited after being lied to several times by time they are now saying that I am not eligible for a refund due to something in there agreement. I have went above and beyond trying to work this out with them they lied to me about XXXX weeks ago well it was XXXX the XXXX around that time and told me that I had a refund check from the account on the way that it could be up to 30 days before it was issued. I called today XXXX the XXXX and now they're trying to tell me that there will not be a refund check issue. They close my account for no reason but they are trying to say in the email I received that they decided to end their relationship with me at this time. I have been studying and researching cases online through chime and I see that there's over XXXX complaints since XX/XX/XXXX of XXXX against chime and there's several lost and found against them. I am asking that you guys do the next step in the legal process of helping me receive the funds that chime has stolen from my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In XX/XX/2018 i requested a credit report from trans union. I disputed 5 late payments. The result was that accounts were closed. I was not allowed to create a statement re late issues. 

Today I was looking at my credit report from trans union at  XXXX. There were eleven late payments and a car loan which was paid off two years ago. 

I called trans union and the person, XXXX, could not give my any information about the additional late payments after twenty minutes on the phone. 

I would like clarification of the eleven late 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 explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried numerous times to place the FREEZE on my credit online and by phone with Experian. The response is " unable to honor your request '' and to send in documentation by mail. XXXX  and XXXX were able to process this request online and there should be no reason Experian can not do the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Federal Pacific Credit Company, LLC
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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I recently visited my Safe Deposit box looking for the title to a car I was selling. I found XXXX old Cds ( 1993 XXXX ) that I had forgotten about. I tried to cash them out at the bank ( now Wells Fargo ) and was told that they had no record of the CDs. I contacted Wells Fargo and was eventually told that they have no record and I was out of luck. I contacted the MN attorney Generals office. They went back and forth with correspondence on my behalf with the bank. As of XX/XX/XXXX Wells Fargo told me and the Attorney General the same thing that they had no record and even though the CDs are n't signed that they were not responsible for them. 
The Attorney General 's Office suggested that I contact you to file a complaint. So that 's where we are. I have photo copies of everything including the original receipts for the CDs. 
The original total of the XXXX CDs is {$4000.00}. They say right on they will automatically renew at maturity unless I notify the bank otherwise.

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 2023-05-14
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We purchased our primary home in 2007, with a hefty down payment. Right after the purchase of our primary residence, the bottom fell out of the market, and we were unable to sell or refinance. We have been working hard to make our payments for the last eight ( 8 ) years to keep our home in spite of our many troubles and have kept our credit score in the XXXX to XXXX range. 
Our loan is a " Pick-a-Payment '' loan which was previously under World Savings Bank, and was bought out by Wachovia just prior to our loan. We have been told that these loans are the reason why Wachovia Bank failed and was bought out by Wells Fargo. 
This loan allows us to make XXXX ( XXXX ) different payment amounts ( less than interest, interest only, standard 30 year P & I payment, or 15 year P & I payment ). We have been paying less than interest because that is all that we have been able to afford due to our other expenses. There was a court case that provided relief for delinquent borrowers, but did nothing for us, unless we were to stop paying our mortgage. 
Since we purchased our primary home, we have struggled to make the negative amortization payments, due to the many unexpected expenses and job losses that we have had. Our loan negative amortization payments have increased to almost double what they were originally due to the added mortgage interest to the loan amount. 
Our loan will go to standard full P & I payments in less than two ( 2 ) years, and we will surely fall into foreclosure. We are trying to be proactive, because we see the lights coming towards us in the tunnel, and foresee the train wreck that is about to occur. We want to preserve our good credit rating, as well as our most important assets, our home. 
We were denied a loan modification on our primary home under HAMP. We appealed due to how the monthly housing expense was calculated. We believe that Wells Fargo has incorrectly calculated our " monthly housing expense '' as {$3600.00}, and that it should be calculated as follows : Principle and interest payment on our first lien mortgage {$3900.00} Property taxes {$490.00} Hazard insurance premiums {$160.00} Escrow shortage payment {$1300.00} Homeowners Association Fee $ XXXX Monthly Housing Expense {$5900.00} According to the Wells Fargo letter, to qualify for a Tier 1 loan modification, we are required to have a monthly housing expense of equal to or more than 31 % of our monthly gross income of {$17000.00} which comes to {$5400.00} ( {$17000.00} XXXX {$5400.00} ). Our monthly housing expense is {$5900.00}. Thus, we do qualify under HAMP Tier 1, as we have a monthly housing expense of more than 31 % of our monthly gross income. Using the calculated monthly housing expense above, we have a monthly housing expense of 33.5 % ( $ XXXX {$17000.00} = 33.5 % ) of our monthly gross income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 2018-05-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I tried to reduce the interest expenses on my loan # XXXX with Wells Fargo Home mortgage ( Servicing of my loan ) then I made a payment for {$2000.00} by my check # XXXX from my account # XXXX in Wells Fargo Bank branch at XXXX XXXX in XXXX XXXX NC. the payment was paid to Wells Fargo Home Mortgage by XXXX XXXX XXXX XXXX ( agree the statements ) .since I have tried hardly Wells Fargo Home Mortgage to reduce the principal on my loan for the amount paid by me of {$2000.00} this have not happen. The last time I contacted them on XX/XX/XXXX the company one employee of the company told me they applied my {$2000.00} to the escrow fund on my loan. I want to observe that I have paid my loan for about fifteen years without skipping payment or having late payment. So at the time of my payment for {$2000.00} I did not have pending for escrow fund neither for my regular monthly mortgage payments. 
In regarding to the escrow fund, when I had shortage on this fund I use to mail a check to Wells clearing house they ask me to mail.. The company on its account activity statement recorded my payment as received but did not reduce the principal on my loan. also when Wells Fargo does not apply my monthly payment to the loan as happened on my payments of XX/XX/XXXX for {$820.00} paid by my ck.XXXX account XXXX, my loan will show a shortage too on my escrow, interest and insurance because they are included on my monthly regular payments. for instance in XX/XX/XXXX I paid my ck. XXXX from my account XXXX for {$820.00} this has not been posted on the statement sent me by Wells Fargo Home mortgage on XX/XX/XXXX, the company want to involve this payment with my payment of {$2000.00}

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account No : # XXXX, Account name : XXXX ; XXXX XXXX XXXX XXXX, Account NO : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief