BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complain is regarding the fraudulent charges that took place on my credit card due to the fact that it was lost without my knowledge .All the charges just happene

d with 24 hrs and citi bank failed to stop or notify me of any of these unusual activity When I filed a dispute for these charges, citibank denied this claim after reviewing for few weeks without any reason stated. The charges are for approx {$2400.00} in dispute. Whenever I call them it goes to offshore customer support and they just tell me not to worry. This is the letter that was written to citibank after they denied the fraudulent charges claim : Hello Ms
 XXXX I am writing this this letter to you with a great disappointment regarding this case. 
Today after contacting the dispute dept they advised me that you are the assigned investigator on this case and have determined that these are not fraudulent and but valid charges made by me.

These are the charges that were made at the following merchants ;  XXXX, XXXX, Home depot and XXXX XXXX  I would like to know that how did you determine the charges were made by me. I have not ever shopped at these merchants for such a large amount. These charges were made within few days which is very unusual Citibank should have contacted me right away and put a stop to these charges because this is not a regular pattern of the charges. They failed to take this action which resulted in all these fraudulent charges. 
I also demand the following : a ) Did the merchant verify my ID before the charges were approved -- Need report on this. 
b ) Do you have the signature receipts from the merchants for the purchases. I am sure these would not be my signatures. 
c ) Do you have video surveillance from the merchant which shows that who is making this purchase. 
There is no explanation that why this claim was denied and this is very appalling response from Citibank. 
These are not my charges and I demand that these should be credited back to my account. I refuse to pay these fraudulent charges

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 2022-04-03
Company: Maximus Education, LLC dba Aidvantage
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Student loans not reporting to XXXX. It has been over 60 days. This is the 2nd time I have had to file a complaint!!!! I already called XXXX and checked if they have any information being received from Aidvantage and they have not. This is Aidvantage 's problem not XXXX like they keep trying to make it. Fix this!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I got a phone call ( not for me  XXXX  from  Midland Credit Management to day  (   XXXX / XXXX /  XXXX  ,  XXXX   )  on my home telephone number. This was not the first time they 've called. They were willing to give me their name and phone number but when I asked repeatedly for their mailing address they refused citing that they wouldnt because, " I hadnt answered any of their questions. '' I, admittedly, started to get angry and demanded to speak to a supervisor. I asked them if they were a debt collector calling in an attempt to collect a debt - refused to answer. Asked repeatedly for the mailing address - initially they refused to answer ; they only gave it after I threatened to take them to court ( I did finally get the address ). Initially I just wanted the supervisor to apologize for his subordinates actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
HSBC Bank USA reported that I have a balance to the credit company in XX/XX/2019 and I had a XXXX balance. It made my credit score drop from XXXX to XXXX. I have contacted them to update my information correctly, but a letter was sent to me stating it updated. But its not updated. My XXXX  report for my HSBC creditcard ending in XXXX is currently showing no payment status on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.

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 2017-06-12
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've already filed this complaint and CFPB lost it : AFNI, collecting on behalf of the original creditor,  XXXX   XXXX   XXXX  provided a disclosure saying that information collecting during the call would be used to collect a debt. I was calling to report the collection as a fraud as a consequence of identity theft, and the representative proceeded to issue a fraud packet. He refused to send  one  via email but he said that he could mail it. I told him that I did not wish to provide any personal information and he assured me that my address would ONLY be used for correspondence in the fraud case. He lied. He deliberately mislead me to collect information from me in order to use it to collect. I know this because days later, I received a collection letter before ever receiving a fraud packet

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been attempting to work  with Amazon ( Synchrony ) Store Card fo r over a year now. I have called multiple times to discuss misleading advertising regarding their advertised percentage off purchase through them, predatory late fee s ( which they enact one s econd past  XXXX   XXXX  EST on due date ), rude, unhelpful, or non-understandable customer service, and refusal to transfer me to the right department to resolve my issues. When I tried to work out a payment plan when they refused to drop a false late fee, I agreed to the plan as long as they could guarantee that they would stop reporting to the credit bureaus as I was truly attempting to pay off my small debt. They have said, in all instances, " there is nothing we can do '' as well as " we will continue to report even if you make your agreed payments on the hardship plan. '' The most notable issue started when I could n't pay them when I tried because their web server glitched   for two months in a row in 2016. Their main attitude is that they simply do not want to work with their customers or provide customer satisfaction.
Note : I have contacted   XXXX   as well, and this complaint in no way reflects   XXXX   's excellent customer experience. Synchrony bank on my other accounts with other companies has also been easy to deal with as far as payments, truthful advertising, and friendly and helpful customer service. The Amazon Synchrony Store Card is engaging in predatory lending and misleading advertising.

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 2019-12-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am disputing a balance that is owed to an apartment complex that I have moved out of on XX/XX/XXXX, XXXX XXXX in XXXX, CO. The property management company is withholding the deposit I paid and not applying it to the balance regardless of me showing them proof of an email confirmation the I received from their office. The deposit was paid via money order and the person who messed up the paperwork and sent me the email confirmation no longer works for them. After going back and forth with the complex for several days they forwarded the account to a collection agency I.Q. Data International. I attempted to dispute the amount with them and sent in supporting documentation of my claim on XX/XX/XXXX. Today XX/XX/XXXX called my husband and advised him that I do need to send them more proof because the email 's I have from the property confirming that I paid a deposit is not sufficient. They also advised him that they will be reporting this to our credit and it will be damaged. Today I called them back to see exactly what they are requiring. The agent at extension XXXX would not let me speak and when I asked what my next steps where to resolve this she advised you either pay me or we are putting this on your credit. I asked to speak with a supervisor and was repeatedly hung up on when I finally spoke with someone I was told I have to call back. I am trying to resolve this situation but I am not getting any assistance and the collection agency I.Q. Data International is not helpful they simply continue to threaten me with damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working on a short sale for this client for over 6 months. In XX/XX/XXXX we submitted an offer for the short sale review. It has taken the lender since then to issue the FHA Approval to Participate, and they issued it with a requirement for a seller cash contribution of over {$14000.00}. The borrowers simply do not have this kind of money laying around. I asked how they calculated this amount and was told they were looking at the bank account balances. When I totaled everything, the assets were closer to {$20000.00} than the {$79000.00} the lender thinks the borrower has on hand. They then calculate a percentage of this for the contribution requirement. The cash contribution should be more in the neighborhood of {$2500.00} based on current bank balances, however the lender says they based the numbers on the XX/XX/XXXX bank statements. In one account in XXXX there was a {$38000.00} deposit made. That was from the sale of a business truck when the borrowers had to close down their failing business. They owed the franchise company ( XXXX XXXX ) for inventory and {$24000.00} of that was paid out to XXXX within a couple of weeks. This payment was reflected on their XXXX bank statement which was submitted to the lender at the same time as the XXXX statement. So the lender could see from day one that this borrower did not have that money any longer. Still, they used that amount in their calculation. The borrower is facing certain foreclosure due to this because they do not have {$14000.00} to pay at closing and can not borrow it from anyone. We need the lender to recalculate the contribution amount so we can get the short sale offer approved and move to closing

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 2017-06-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed away and I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney submitted a complete financial application on X/XX/2017. Since that date Bayview has been sitting on my paperwork and allowing it to expire and then asking for updated paperwork again over and over. They have had a complete file now at least twice since X/17. My attorney states they are stalling purposely and evading review by asking for updated paperwork over and over. According to my attorney they are violating RESPA Regulation X ( 1024 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Lender : Cardinal Financial Mortgage balance from refi XX/XX/2022 XXXX. XXXX Payment made to XXXX as XXXX. 3. Cardinal Financial Changed Servicers to XXXX, debtors NOT notified, so continued in XXXX, XXXX and XX/XX/2022 to pay Shellpoint. XXXX. XXXX wired funds to Cardinal ( new servicer XXXX ) for XXXX, XXXX and XXXX payments. 5. Cardinal has been informed multiple times by phone and email of the above. 6. Cardinal has failed to apply debtors payments to it's account. 7. All Payments have been made on time by debtors by electronic bank transfer. 8. Cardinal has reported debtors to credit agencies with late payments, but no payments were made late by debtors. 9. Cardinal has received proof of payment by bank debit screen shots, wire numbers, proof of payment documents from XXXX XXXX XXXX, and most recently by XXXX account statements. 10. Cardinal has spent more than two months " researching '' this issue, but as late as last week, continues to insist it does not have our payments applied to our loan account. 11. Debtor has spent multiple hours on the phone and online with Cardinal attempting to verify the payments were made. Last week, debtor 's bank, XXXX XXXX, attempted a call to Cardinal but Cardinal would not agree to XXXX XXXX recording the call, so I was unable to have my bank speak with the mortgage company with me on the phone. 12. Cardinal 's research department continues to send me emails which ignore the fact they received three federal wires from their own previous servicer, XXXX, on this account. 13. On XX/XX/XXXX, I sent them an account statement from XXXX showing these wires with tracer numbers. Customer service agents for Cardinal told me repeatedly that Cardinal ( Dovenmuehle ) needed time to research and then reconcile the payments from XXXX, but the " Research Department '' has not been able to find the payments from their own previous servicer for more than two months. 14. Debtors ' online payment history with Cardinal does not reflect payments made by debtors and received by XXXX ( servicer ) for Cardinal ( lender ). 14. Both debtors want their credit reports immediately corrected by removal of the false statements about late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I sent a document to obtain a free credit report. I sent Id, SS Number and evidence of residency.     The file not returned because not send the previously information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On Friday XX/XX/2021, I was attempting to Purchase an XXXX XXXX XXXX with XXXX XXXX XXXX. This is a monthly installment plan, financed through Citizens One. You can see the link here : https : XXXX I was able to move through the XXXX, inputting my personal information, including Social Security Number to have my credit checked by Citizens One before proceeding to the " Place Your Order '' page. My credit was approved, but when I went to " Place Your Order, '' I got an error. I assumed that this meant that the device sold out. 

I contacted XXXX XXXX support and was told that when I received a Welcome Email from Citizens One, I would be able to place the order. I received the email about 1 hour later, at which point my shopping cart had timed out. I set up my account on their website anyway : http : XXXX After setting up my account and logging in, I noticed that my Available Credit on the Citizens One account was diminished by the cost of the XXXX XXXX XXXX package ( {$920.00} ). But again, I never got to place my order with XXXX XXXX. I contacted XXXX XXXX customer support again. 

After the ( very kind ) representative took time to investigate and see what happened, she informed me that the XXXX were sold out, but that XXXX XXXX could not do anything about the loan, and I should contact Citizens One. When I tried to call them, I was presented with a phone menu that did not allow me to speak to a customer service representative or give me any relevant options that would help resolve my issue. 

As of the time of this submission, 5 hours later, XXXX XXXX is still allowing people to set up a Citizens One account, but not actually checkout and purchase the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a string of emails on XX/XX/22 that indicated that I applied for and was approved for a Bank of America XXXX XXXX Banking Account Confirmation number : XXXX. 

I did not apply for or approve this account On XX/XX/22, I spoke with the Check Fraud department at Bank of America that stated that I was a victim of identity theft. An account was successfully opened in my name and they would close the account and send my emails and paperwork in the mail to confirm. They were VERY helpful. They also advise my to place a freeze on my credit with all XXXX credit reporting companies and to file a claim with the FTC.

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 2022-08-04
Company: Affirm Holdings, Inc
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From morning til night the company Affirm has been calling me repeatedly for the past two weeks despite paying my overdue amount and telling them Ive paid and to stop calling. It is nonstop. 
This is the number they are calling from : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a disputes in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Premium Credit Bureau
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a disputes in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022, Our company wrote and mailed a XXXX XXXX XXXX XXXX XXXX check to XXXX XXXX XXXXXXXX in the amount of {$3500.00}. On XX/XX/2022 that check was deposited into XXXX XXXX XXXX XXXX ( BMO Harris Bank NA ). XXXX XXXX, XXXX has indicated via sworn affidavit that they never received the check. To date, XXXX XXXX XXXXXXXX XXXX has yet to identify how a stolen check was deposited into an account that is not XXXX XXXX XXXX From our prospective, to resolve this issue should be very simple, but more importantly, the fraudulently deposited check should be reimbursed immediately.

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