BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: CITIBANK, N.A.
State: TX
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:
Received an unsolicited postal mail, and subsequently an additional " Don't Miss Out '' mailing, with an offering of a Citibank AA Platinum Select Credit card with a unique invitation number attached on XX/XX/XXXX with an expiration deadline of XX/XX/XXXX. XXXX bonus miles after requirements met, etc. 

THOUROUGHLY read every word on every side of the tri-fold mail piece and especially the terms and conditions and ALL fine print. Went to the referenced application website and put in the invitation number. Application form pre populated with the current and correct personal information. Went through the complete application process and was directed to read and acknowledge ( two mandatory check boxes ) that I had read and understood all terms and conditions and cardmember agreements. I had and did acknowledge. NO WHERE in this print and online application process does it disclose that the bonus mileage offer, of XXXX miles upon meeting the terms and conditions of {$4000.00} spent on qualifying purchases in the first 4 months of card ownership, would be NOT awarded to any person currently having, or have had, the same Citibank card within the previous 24 month period. I had heard of this from forums and blogs on the subject. I wanted to verify. 

So, prior to submittal, I further called the customer service line for Citibank credit cards at ( XXXX ) XXXX and spoke at length about this exclusion. The representative stated that this 24 month exclusion was standard policy but since the printed offer and personalized invitation number was sent directly to me, it may not apply. She referred me/transferred me to the over-the-phone application center. They said that the 9 digit invitation number did not register on their system even though it was valid on the dedicated application website. Could not answer any questions as to the omission and knew nothing of the policy. Escalated to XXXX, floor supervisor, employee number XXXX, who offered nothing further and said that it could not be escalated further. He wanted to complete the circle by sending me back to Citibank customer service. 

All this within an hour of XXXX XXXX. on XX/XX/XXXX. 

No disclosure or any mention of this exclusion anywhere at anytime in applying for this particular card through a direct solicitation by postal mail. If you didn't know it previously, you could be awarded the card, met the requirement for the bonus award, and receive NOTHING. 

Need to stop direct solicitation of previous card holders ( that Citibank had knowledge of ) with offers designed to bring them back under false, undisclosed, pretenses.

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 2021-08-13
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
The Platinum Amex card gives a {$50.00} credit every 6 months for purchases at XXXX XXXX XXXX. After confirming my card was enrolled, I made a qualifying purchase on XX/XX/XXXX. 

For separate reasons, I contacted Amex on XX/XX/12 in order to close my card. This was the last possible date where I could close the card and still receive a refund of my Annual Fee. 

Despite the fact that I met the criteria for my {$50.00} reward, the company refused to give me the credit before my card was closed. They also refused to give me a different, general purpose credit ( which they have done multiple times before when other rewards like the XXXX benefit were not functioning correctly, or as a general apology for poor service ), and they refused to extend the date that I could cancel the card and still receive a refund of my annual fee. 

The net result is that Amex has not provided a stated benefit of the card, despite me fulfilling the spending obligation and contacting the company to try and resolve the issue - I was even flexible with 3 different acceptable alternatives. I am now contacting the CFPB for what UDAAP issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
EQUIFAX has refused to accurately update my credit score. Over the past 6 months, EQUIFAX has refused to accurately update my credit file and all of the incorrect, negative information dropped my credit score in XX/XX/2017. Equifax was provided correct information, they still refused to accurately update my credit score back to the high ( A-B ) status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions Inc.
State: NJ
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:
THIS IS NOT MINE. XXXXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXXXX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}

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 non-monetary relief
Consumer complaint received 2020-08-21
Company: EQUIFAX, 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:
There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/18, credit inquiry ran through XXXX  by XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX Ohio, XXXX for a XXXX XXXX Credit card. My credit is locked due to previous identity theft issue. I tried to call the customer service number XXXX and the number is not in service. 

I have not applied for credit with this company. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried on two prior occasions to have Equifax correct two entries on my report. XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Both events started in XX/XX/XXXX. I entered into a modification process with both lenders and was told NOT to make a payment during the Mod processXX/XX/XXXXwas modified and returned to current in XX/XX/XXXX.  XXXX was modified in XX/XX/XXXX and returned to current status. The Fair Credit Reporting Act 605 c 1 states Commencement of the delinquency which immediately proceeded the event. The entries of both XXXX and XXXX should be removed from the commencement, XX/XX/XXXX, until they became current. One continuous event. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The novel coronavirus pandemic has changed everything for my beloved wife XXXX and me! 

My beloved wife XXXX and I are senior citizens of advancing years with XXXX XXXX XXXX and so WE ARE IN THE HIGH RISK CATEGORY AND THUS ARE UNABLE TO WORK. 

Yet the Bank of America has yet to answer my request to lower the payments on our car loan to {$500.00} per month! The last payment due was in XX/XX/2020! CRUEL!

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 2020-07-30
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My Citibank XXXX XXXX Credit Card credit limit of {$20000.00} was decreased to {$18000.00} on XX/XX/2020 after filing two Consumer Financial Protection Bureau ( CFPB ) complaints against Citibank regarding two unresolved disputes on XX/XX/2020. In addition, Citibank acted in reprisal after invoking my Servicemember Civil Relief Act ( SCRA ) rights within the disputes and CFPB complaints.

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 2021-07-15
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Convergent Outsourcing numerous times about a collection account that they have placed on my file. Originally, the account was removed because they couldn't verify it but now it is back. It is for a Utility Bill in Florida. I have never resided in Florida, furthermore when I spoke to someone at XXXX XXXX I was advised that the account was opened but they never got a copy of my ID. This is defamation of character and using scare tactics to attempt to force me to pay a debt I do not own. I even supplied them with notarized information stating that the debt does not belong to me but they continue to report it on my credit report. 

Account number listed on report : 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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2019-01-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a bank account and credit card with USAA. They told me the best to do is tie my credit card to bank account for overdraft protection. I agreed. Over 12 months ago my automatic insurance payment caused my back account to overdraw. The bank transferred {$100.00} from my credit card to my bank account as overdraft protection. Now for over 12 months I have been paying interest on that {$100.00} as they claim it as cash advance. Over {$400.00} in interest for {$100.00}. Misleading initial overdraft details and over {$400.00} in interest for {$100.00}. Total sham. I spoke with the bank and got no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: MEMBER FIRST MORTGAGE, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX  with XXXX XXXX XXXX in XXXX MI. I am writing a formal complaint against Members First Mortgage out of XXXX XXXX Michigan. They are by far the worst mortgage company I have ever worked with. They are sloppy in their paperwork, nobody returns phone calls, they say they send out documents when they never do. They don't have universal underwriting standards. In the 10+ loans I have closed with them, not one has closed on time, one took nearly 6 months for no good reason. 

I have had several clients switch lenders because of how poorly they were treated. I am working on a current loan where they are requesting receipts for repairs that were not part of the appraisal and were personal things asked for between the buyer and seller. The seller was able to fix many of the issues himself and therefore doesn't have receipts, this is the first time in my 5 years of working with them that they have ever requested receipts of repairs. They are extremely rude and have had issues with processors making my clients cry due to frustration with their questioning. Very accusatory and not customer oriented. They have already had to remove one processor XXXX XXXX due to her lack of customer service skills and the person they replaced her with is no better. 

I have attempted to contact XXXX XXXX who is the mortgage originator several times and have only received a return phone call once. They demonstrate gross negligence and general inconsistency with their practices. I am starting to feel like they are singling me out personally and giving me a hard time on purpose. I am feeling discriminated against and would like my complaint to be on file against them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE XXXX PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH 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 2019-01-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Back in XXXX of XX/XX/XXXX, I had so many problems with XXXX XXXX XXXX XXXX XXXX losing paperwork and processing my car loan that I decided to cancel the loan. I was told by XXXX XXXX that they would stop the loan on their end. I called for the next two days to confirm the cancellation of the loan with both XXXX and XXXX XXXX. Within a couple of days, XXXX XXXX XXXX XXXX XXXX processed the loan. I had to accept the loan. A week or so later, I was contact by XXXX XXXX XXXX XXXX XXXX and they stated that they made a mistake processing the loan and that I had to pay additional money for taxes. I submitted a complaint to the Consumer Financial Protection Bureau ( complaint # XXXX ), and XXXX XXXX agreed to remedy the situation by paying the taxes. Now XXXX is contacting me to pay the taxes again. My account number with XXXX is XXXX. I called in today ( XX/XX/XXXX ) and waited 22 minutes on the phone to speak to a supervisor and then the call was disconnected. XXXX sent me a notice dated XX/XX/XXXX stating that I had to pay {$300.00} within 15 days threatening to send the remaining amount to a collection agency. I received the letter in early XXXX due to the holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAINE & WEINER COMPANY, 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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Guild Mortgage Company LLC
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: Account information incorrect

Complaint:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Guild Mortgage Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Servis One, Inc., Titusville, PA Branch
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good afternoon, As of today, I am a little over {$10000.00} in the arrears. My loan was sold to XXXX XXXX XXXX  and I was not contacted. I did a modification with XXXX XXXX ( former lender ) in XX/XX/2018. I made all payments according to our agreement. Once I made the last payment, I waited for correspondence from them giving me my new mortgage payment and date to start paying it ... .it never came. The following month I went online to pay, it stated congratulations your loan is paid in full. And once I went into my account, it showed a CREDIT in the amount of my last payment. 


It wasnt until a few months later ( with no notification from XXXX XXXX ) that I realized my loan had been transferred to XXXX XXXX XXXX. And they will not allow me to catch up. They keep stating that they have started paper work for foreclosure and will not accept any money from me unless I pay arrears in full. As each month goes past, the amount gets larger and my income is limited, so I dont have anything saved. I even asked if I could pay a bigger mortgage payment each month until arrears are caught up and the answer is NO. MeanwhIle, XXXX has never called me once to collect payment or tell me I was sold to them and no email from them either. XXXX XXXX has all of my demographics and they havent changed in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Guitar Center Gear Card, managed by Synchrony Financial, shown in " contact us '' as : XXXX XXXX   XXXX. XXXX XXXX XXXX, FL XXXX I made an online payment of {$1500.00} to my store card on Monday XX/XX/XXXX. I have a pending purchase at my local Guitar Center for about that same amount, yet today ( Friday XX/XX/XXXX ) those funds are still not showing as " available to spend '' when I check my account online. I called and spoke to a Synchrony Customer Manager, who told me there's nothing she can do about it, that there's a 10 day hold on that payment - even though those funds cleared my bank on Tuesday XX/XX/XXXX (! ). She told me she agreed it is unethical, but she simply said she has to do what Synchrony Financial tells her. She told me that in the fine print under " Payments '', Synchrony states that they may hold payment funds, but they do not specify how much and/or for how long ; i.e., 5 days for smaller amounts, 10 days for larger amounts, etc. This is unacceptable.

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 2019-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried on several occasions over a years time to request information to try and validate a debt they claim that I owe. All they are able to provide me with is a credit card statement. I have contacted several times asking for verification with my signature or some contract with a signature in order to validate that said debt is mine. They have been unable to provide any additional information. I am not able to validate debt and there continued reporting of this debt is bringing my credit score down. They continue to mail me a letter saying I did not provide them enough information for them to conduct and investigation and they would be terminating said investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted an application for a loan modification in XX/XX/XXXX. I was rejected without cause on XX/XX/XXXX. I file a complaint with CFPB and was just informed today XX/XX/XXXX, that Wells Fargo had completed their investigation. Which showed no fought. I informed the representative that Wells Fargo had begun and set a foreclosure sale date of XX/XX/XXXX without following the legal foreclosure guidelines set forth by the State of North Carolina, which states that a leader must give : 45 day written notice before starting a foreclosure 30 Day Notice of Default Notice of Hearing Notice of Sale The only reason I found out that my house was scheduled for sale was when a person drove by an inquired about my house. Then I called Wells Fargo and heard the recorded message that my house was up for sale. 

These are the type of unethical practices that the leader has been performing. 

Please help.

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