BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I called Citi to verify a XXXX transaction. They asked me for my phone number, I gave them my cell number I use for all financial institutions. They told me they don't have that phone number in some registrar. They asked if I had any other number- I only have a cell and VoIP - they put me on hold and a minute later told me they closed my account and I would receive the funds as a check in the mail in two months.

I talked to a supervisor, who told me there was no other way to prove my identity. I asked why it takes two months to receive my money, and XXXX could only tell me it was their process. I asked by what date I should receive a check, and he said XX/XX/XXXX. However, horror story after horror story on the Internet about Citi show that it can be much longer. 

I talked to executive services. I asked them what documents could I provide for their process. They said any documents I send would not help. I asked them why it takes two months, and they told told me that's their process. I asked them what their process was, what they were doing for two months. They told me it's just their process. I was told I would receive a tracking number, which I have not received yet. 

They have most of my liquid savings tied up in an account they closed. They are not giving me more info, and they said the info I could provide them won't help. I have spent at least 4 hours on the phone with people who don't care, don't listen, don't understand words I am saying, and thought " XXXX '' ( a bank I transferred from ) was a person. My money is not earning interest. And the kicker is that four days after they closed the account, I would have earned a {$200.00} bonus from Citi.

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 2022-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have unnecessary negative accounts on my credit reports that needs to be looked thoroughly at. False Info linked into bad account which is considered fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: MOHELA
State: WV
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 recently started a XXXX XXXX XXXX XXXX XXXX, so I signed up for the Public Service Loan Forgiveness ( PSLF ) program. To do this, I was required to consolidate my loans and be placed on an income driven repayment plan ( IDR ). My loan servicer was changed to MOHELA. Ever since my loan servicer was changed to MOHELA, I have had nothing but issues including being told blatantly incorrect information that contradicts information on this website ( department of education ). First, MOHELA denied my IDR application with because " you do not qualify for the repayment plan you requested '' with no further explanation. When I called to ask about this, they also provided no explanation and forced me to verbally submit a new IDR application for the SAVE plan, instead of the PAYE plan I originally requested. Second, because I had to submit this new application, I was told my account would be placed in administrative forbearance until XXXX or XXXX of XXXX to allow them to process this new application AND that no payments would be due, no new interest would accrue, and these months would count towards PSLF. Well, that wasn't the case because a week later, I was notified that I had a payment due for XX/XX/XXXX. I called again and was told that I have a payment due because I am not on an IDR and that my original application was denied. I explained that I was told that I would be put in administrative forbearance, but the individual I spoke to told me that my interest would accrue and my payment would be due and that the payment would not count towards PSLF because I was not on an IDR. See the problem here? MOHELA is completely incompetent at handling my and many others student loans. Finally, I was told that for my account, they can place a new administrative forbearance until XXXX while they review my new IDR application. Who knows if my interest will accrue or these months will count towards PSLF? Their system is very unclear with communication and what exactly will count as eligible payments, interest, and PSLF. I will be filing a complaint with the consumer financial protection bureau, and contacting my representatives and senators as well. This is an outrageous company to be dealing with and causing me undue stress as I attempt to get PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Paypal Holdings, Inc
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Was paid by a customer for a deposit on home for renovations. The deposit was placed on a hold and I was told that it exceeds the maximum amount of money incoming capped out at {$500.00} for a month for a business which is absurd and refuses to release the money to make available to satisfy not only the customer but my needs as a business owner. This particular company is PayPal and offers no solutions other than I have to wait 21 days to get money that I need immediately to satisfy the customer and get materials to help with a service not goods. The customer service rep and their help site only says to provide tracking information which is not necessary considering I offer services not good. This puts me at risk for legal action from the customer and also future customers of PayPal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a payment mixed up with Chase Amazon Rewards card in 2011 where they charged a bank account that I had closed instead of the account that I recently opened, as I instructed them to do. It was Chase 's mistake, but they assessed a punitive rate of 29.99 % against my account. It has been at that rate for nearly 9 years. 

In the ensuing 8 years, I have had no missed payments with any account. My credit profile is good enough to open two more substantial accounts with Chase at lower rates, including their premium Chase XXXX XXXX XXXX. Those accounts were opened without issue. Additionally, Chase Amazon Rewards increased my available balance. What they have not done is lower the interest rate. 

I called the company repeatedly over eight years to ask why the rate did not return to the normal rate after a credit review. The only response from customer service is that 'no one can lower the rate. ' The practice is obviously usurious and based on the proclivity of the company to try to catch people out. While perfectly legal, it's remarkable unethical. I can not understand why one account at Chase would carry the usurious rate while others carry the prime rate based on nothing in particular. I am disinclined to close the account because it's one of my older accounts and it will affect my credit reporting. Chase is not interested in fixing this issue or in retaining my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ive called the bank multiple times due to fraud on my account was hacked information was stolen also {$250.00} child tax credit was deposited into the account that it was closed or blocked and they assured me the day before they were that that check could not go into the account which it did and then they charge me {$130.00} of overdraft fees when the night previous to the deposit there was no charges on the account. I have contacted 100 times Ive recorded the phone calls as well they will not transfer me to the correct department or etc. Citibank has stolen and held in withheld my funds.

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 2023-11-30
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/, my account was removed from administrative forbearance for no reason and is supposed to be in forbearance until they can process my student loan discharge which the Department of Education has approved. Mohela has all of this information, and I called yesterday and was told after waiting for more than 2 hours that the forbearance was removed because of an error and that it would be put back in place, however, on XX/XX/. I received a bill that I owed a payment. Therefore it is obvious that they did not complete the process or follow through with their word. Last time it took three complaints from the Department of education to get the account put in administrative forbearance in the first place because of my borrow defense application and the lawsuit approval of which they have all of the correspondence and information from the department of Education, which they have received at least two times, and a letter from me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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
Consumer complaint received 2022-01-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 

ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} ; ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00}

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 2023-07-01
Company: EQUIFAX, INC.
State: MI
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 my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Army and Air Force Exchange Service
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I disputed the charges listed below, as I did not make them. I believe I was the target of a identity thief. I went through a similar situation with a different account of mine around the time of the purchases listed below. I had not used the account since XX/XX/XXXX and did not notice it was in use until I checked my Credit report on XX/XX/XXXX ( the date I submitted the first time I filed for these charges ) and saw the Balance. When I logged on to the account I saw that my account information had been changed and I updated it immediately. I ve attached images of the Information that was on the account, you will be able to tell that am not associated with any of the Information on those images. 

Date Description Reference # Location Amount : XXXX XX/XX/XXXX Charge XXXX XXXX {$4700.00} XXXX XX/XX/XXXX Charge XXXX XXXX {$1500.00} XXXX XX/XX/XXXX Charge XXXX XXXX {$350.00} The last transaction I made on this account was to pay it off on : Date Description Location Amount : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Payment - {$810.00} -I was held liable on XX/XX/XXXX & XX/XX/XXXX. The representative I spoke with told me the reason I was held liable was because the items were ordered online and picked up on base. She repeatedly cited the company 's policy of checking IDs before Items can be released as the reason I was liable. I asked if there was a way to show that it was my ID that was logged or recorded, she would not give me an answer but kept citing company policy. 

-Through my own inquiries made with the loss prevention department at the XXXX XXXX ( the location the items were released ) I found out a female that is not associated with me calling from a number that is not associated with my account or me, called 7 times about the purchases in the time between the items where ordered online and picked up from the store. I was never alerted or informed about this by XXXX. Also I was informed that no request for security footage was made during the time of the investigation. Also I was told that the exchange in question had fired employees around that time for fraudulent activities and theft. 

-I was able to find out that my account was not showing the exact date and time in which the items were picked up, which is an abnormality. 

-I made repeated attempts to escalate my claim but the I found the same person handled my case both times I submitted. 

-After I was held accountable I made repeated requests to be sent all the Information regarding my claim and decision but the information was never sent me nor were my emails responded too. 

-I also inquired about further escalation after I was given a " final closure letter '' and was told there was nothing I could do

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 2022-01-18
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
All 3 Bureaus collectively have refused to issue proof or methods of verification for items I have disputed with them. They continue to send what is seemingly an automated response without addressing my questions or concerns. 

Instead of providing the requested info they keep stating that it has been verified or previously handled. No additional information for methods of verification or proof of an investigation at all. 

Per the FCRA SECTION 611 ( SCREENSHOT PROVIDED ) I am allowed to submit a request a description of the reinvestigation procedure. It should be granted the first time without me having to file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: California Accounts Service
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
California Accounts are not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... They also have not sent me validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Was not notified of investigation status or results

Complaint:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

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 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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 have/had a Bank of America credit card. I was making monthly payments ( auto payment ) on time and had not missed a payment since starting with the company in XXXX. Approximately six months ago the percentage rate change and I was unaware of the change. I was finally made aware, by letter, that I was delinquent. I immediately payed the late charges. Bank of America closed the account. On XX/XX/XXXX, I attempted to pay the full amount of the balance using a routing number. The amount was roughly {$11000.00}. I was sent a confirmation number for the payment that same day via email. The payment was due on XX/XX/XXXX. On XXXX XXXX, XXXX, my wife informed me that she had not seen the moneys withdrawn from the account. I contacted Bank of America by phone to determine what had happened. I was told that the routing number had an extra 0 in it, so the payment was not processed. I asked why I was not sent notification by email. I was told that they only send notifications by mail. I then paid the balance of the account minus a {$38.00} dollar late fee, because I believed that the late fee was a predator practice by the bank. The customer service rep was not able to remove the late fee at the time, since it was so new. I called back a few days later to dipute the late fee and was told that, because of my history ( late  payment from the interest perecetage change ) they could not remove the late fee. Wanting to close the account, I paid the {$38.00} late fee that had now turned into a {$170.00} fee. I paid the {$170.00} confirming that this was a pay off amount and the account would be at XXXX balance. I received the letter that the XX/XX/XXXX payment did not go through on XX/XX/XXXX. On XX/XX/XXXX, I found out that I had a {$1.00} balance. On XX/XX/XXXX, I contacted Bank of America by phone and paid the {$1.00} balance. I asked the customer service rep to confirm that this amount was the full pay off amount. I informed that customer service rep that she was being recorded. She did confirm that this amount was the pay off amount. The account is closed.

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 2018-01-09
Company: Performant Financial Corporation
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have three Student loans Disbursement date XX/XX/XXXX for XXXX XXXX  ; XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX. I have been current paying XXXX XXXX for a year and have been in good standing and that has been reported to the credit report. XXXX has reached out to my employer and started garnishing my wages and did not have my correct address or credit name and has been reporting to the three credit agencies that I have been behind. I do n't know who to blame

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 of identity theft please remove this fraud inquiry from my credit report.

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