BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
I made an overpayment via my online banking on XX/XX/XXXX and itwas credited to my card on XXXX.The card actually had a XXXX bal. I made the mistake of sending it to the wrong credit card company. I discovered thison XXXX XXXX and called them. I asked for it to be credited back to mychecking account. I gave them my routing number and checking accountnumber. After XXXX calls to find out why it was not done, they just kepttelling me it had to be processed. It is now 7 days later, XXXX XXXX and I wastold that the {$250.00} was going to be sent back to my checking todayand it would take another 3-5 days to process this. This is a total of 10-15days to get my money credited back to my checking account, when allalong they had the {$250.00} in my account. We could see it in my cc acct. 
I do n't know what the regulations are for this type of problem, but, I thinkthat 10-15 days is way too long for them to credit this back to me. when I ppay my bill to a cc it goes in very fast, 2-3 days max, ( online billpay ). Butwhen I need to be credited it 's 2 weeks? what 's up with that? I spoke witha supervisor in XXXX, XXXX and today with XXXX, XXXX. It was an AT & T Universal XXXX Card through Citibank. I have never been late, paid bmy bill off in XX/XX/XXXX and have a very high credit score. I am a responseible professional and really do not like being taken advantage of and treated so badly. If you can help me with this I would appreciate it. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Bankruptcy

Complaint:
discover bank credit card was declared in bankruptcy on XXXXXXXXand discharged on XXXXXXXXand was reporting correctly to XXXX as 0f XXXX but effective XXXX started reporting to XXXX as an open account with outstanding debts. 
account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Capitol One closed the account. I have bee making consistent payments to end the balance and there still charging interest and the card is XXXX for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian and XXXX are reporting a medical collection on my credit report. This a direct violation of my privacy and a direct violation of the Fair Credit Reporting Act. I sent a debt validation letter a few months ago. I have not received a response. It has been past 45 days. This is also a direct violation of the Fair Credit Reporting Act. Please remove account 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
Consumer complaint received 2017-09-06
Company: EQUIFAX, 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:
equifax is reporting a debt from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX on my credit report incorrectly. These were included in by bankruptcy with was discharged. These debt should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citi Bank did not reissue me my credit card upon expiration ( XX/XX/2016 ) stating the reason is because I have another account by Citi Bank that is closed and in a repayment program. I had closed another credit card by Citi Bank several YEARS ago and enrolled in a repayment program. This had nothing to do with any other account I have with Citi Bank. My account with Citi Bank is current, and therefore closing one account by MY choice several years ago should not have had a negative affect on a different Citi Bank account, in good standings, several years later. This is unfair and deceptive of Citi Bank to " punish the customer '', as well as adversely affecting my credit.

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 2016-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have sold my house that is in foreclosure with Bank of America but the closing is not going to happen as Bank of America will not send a payoff. We started requesting XXXX XXXX. The closing is XXXX 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 2017-09-06
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX I Initiated a wire transfer to GXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX ) Using the wire instructions provided. I received an email the same day concerning my wire transfer and the requirement for additional information. I provided the information immediately and waited for a response. The funds in the wire were accepted by XXXX  and withdrawn from my checking account the same day however my account with XXXX was NOT credited with my funds. It has now been a WEEK and XXXX support has failed to communicate with me about my wire IN ANY WAY. I now have learned others who have been left in the dark about their wire transfers and their funds being held from them for NO REASON and XXXX has failed to provide any reason to others as well. 

I have sent over 10 emails, tried social media all which have failed.

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 2017-09-06
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I previously disputed a reporting error with Exeter Finance due to a banking error. Exeter was gracious enough to update my credit report for XX/XX/XXXX per the response provided below. However, each credit agency is now reporting that my loan was delinquent for the XX/XX/XXXX payment when in fact, I was only 18 days delinquent once the XXXX payment went through. Exeter approved me to have a modification of my loan through the XX/XX/XXXX payment for the XX/XX/XXXX that will be paid on or before XX/XX/XXXX, which is within 30 days of that payment being due. I am not sure how they fix one issue and report I am delinquent on another month when that payment was due XX/XX/XXXX and it was made on XX/XX/XXXX, which is within 30 days of the due date. I am confused how a payment made before it was even 30 days late it reporting on my credit report as a 30 day late payment. 

Company 's response in prior compliant # XXXX : Your account was 48 days past due for the XX/XX/XXXX payment when we received your payment on XX/XX/XXXX. As a result, you were accurately reported delinquent for this payment. In your complaint, you stated an email was forwarded to our office on XX/XX/XXXX regarding your bill pay. We are unable to locate a record of this email ; however, in compliance with FCRA laws, credit dispute investigations may take up to 30 days to complete. We appreciate your efforts to make all payments in a timely manner. Based on this complaint, we have agreed to remove the late mark that was caused by your banks processing error. We have updated our internal records and provided the corrected information to the credit reporting agencies. Please allow up to 30 days for this update to reflect on your credit report. Our records indicate your account was placed in a cease and desist status in XX/XX/XXXX based on CFPB complaint XXXX. To remove this status from your account, you may fax or email a written and signed request directly to the Office of the President at XXXX or XXXXXXXXXXXX. Our success is based on customer satisfaction with our products and services so we take the issues presented in this complaint seriously and make every effort to provide a prompt and equitable response. If you have any additional questions about our response we encourage you to contact the Office of the President at XXXX. Sincerely, Exeter Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
I am currently on the forebearance plan right now and keeping informing Navy for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with XXXX, XXXX, XXXX, and Navy federal nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to Navy federal the reps have a attitude and never get anything resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have filed a complaint on XXXX/XXXX/16 complaint # XXXX which the gave a general response. Since then I am still going back and forth with Citibank to get assistance. I have a new specialist XXXX XXXX who do n't respond to any of my questions. She sends me a weekly email that appears that all she do is change the date and resend. I was told by XXXX XXXX who was my specialist prior to XXXX that a decision should be made within 30 days ( XXXX/XXXX/16 ). We are well into XX/XX/XXXX and still no decision has been made and I ca n't get a answer of why and what is the hold up. Again we are asking for assistance because we are need of HELP. We was hit with unforeseen illness and XXXX massive storms that made us loss more that XXXX % of our income. I asking for Consumer Financial Protection Bureau to assist me with this issue with Citibank. I not trying to loose my home and I am asking for assistance to make my monthly payments more affordable. 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 non-monetary relief
Consumer complaint received 2022-09-16
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2015-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX purchased my debt from Capital One in the amount of {$300.00}. The amount that XXXX XXXX XXXX is charging me is {$450.00}. XXXX and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with XXXX they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was responding to UAC regarding an email that I received in XX/XX/XXXX regarding a consent order sent to me by email from the CFPB about this company reporting incorrectly to the credit bureaus. I had a lot of problems with them when I was a customer so naturally I wanted to check to make sure my credit reflected correct information. I was advised if already pulled credit report from annual credit report.com and still wanted a copy that we were entitled to one from XXXX and could request it by calling UAC. I did that in on XXXX/XXXX/XXXX and spoke with a woman who had no idea what was going on but took my request to the credit department and was told would mail it and they took my new address. That was two months ago and I have yet to receive any credit report from them. I then called UAC today XXXX/XXXX/XXXX and spoke to a XXXX XXXX who was incredibly rude he must have interrupted me 5 times during the conversation and was very argumentative. He had the nerve to tell me that it did n't really apply to me because I have n't done business with them in two years when the email I got about it in XX/XX/XXXX which provided additional information specifically said that it involved accounts that were before XX/XX/XXXX so it definatly concerned me. Then when I basically told him to stop arguing with me and put in my request he took down my new address and married name and said would request my credit report. Then a little while later he called me back to tell me that I was wrong and that they are not sending customer 's credit reports but that is what it says in both emails that I received I was treated with incredible rudeness by this customer service representative ony to have him back off multiple times and say he 's just trying to help me I want to know that my information is correct and I want it taken care of as stated by UAC I have not been a customer of theirs for awhile and I would never be again. Every conversation I ever had with those people the whole time I had a loan was disgusting rudeness I was given a loan modification once to help me out and they failed to let me know at the modifcatin that they were raising my interest rate I think they raised it to like a disgusting 24 or 29 % I had a terrible experience with this company and to call back later with a fully paid off account only to be treated like XXXX again is truly annoying.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # 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.

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 2022-05-27
Company: Experian Information Solutions Inc.
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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-05-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
PennyMac is unresponsive to the very program they strongly encouraged me to apply for through the AZ Dept. of Housing HAF program after my loan modification was complete and my monthly mortgage was paid for 6 months in advance. 
The AZDOH HAF program has been trying to get PennyMaXXXX to complete this Hardest Hit Funds program onboarding ( CDF ) paperwork since XX/XX/XXXX. This " CDF '' onboarding paperwork was again sent to PennyMac on XX/XX/XXXX. At the end of XXXX, I received a call from PennyMac informing me a ) they received the HAF paperwork and would be completing it, b ) my account was placed in a HHF status and would be protected from any adverse delinquency action while the process of the HAF application was in process c ) that I had been appointed a single point of contact to work on behalf of Hardest Hit Assistance and that I would only be able to communication with PennyMac regarding my account through this single POC while my acct was in an HHF status but d ) that any overdue payments would not report negatively on my credit report during this process just as they had not been when my acct was in COVID forbearance. They *promised* me my account would not be in any jeopardy. 
HAF told me they have NOT rcvd the CDF paperwork from PennyMac and have resent it to them for a third time last week ( XX/XX/XXXX ). My POC at PennyMac refuses to answer or return calls, I have never spoken to him, and now my XXXX report has been hit XXXX points bec PennyMac is reporting my acct as 60 days past due. I completed the application for HAF assistance on XXXX XXXX, XXXXwhen my mortgage was paid in advance through XX/XX/XXXX. I need PennyMac to honor their promise of ensuring my account ( that I worked very hard to get current and get a loan mod approved for ) is not reporting negatively and is not jeopardizing my mortgage and I need them to work with the AZDOH 's HAF program adjudicator A.S.A.P to get these Hardest Hit Funds approved as it has been *****6 months ago now*****that I applied for this assistance that I am CONFIRMED eligible for. HAF will pay the 2 months now overdue plus a future 3 months of mortgage payments once PennyMac does their part of completing the CDF onboarding paperwork. PennyMac is now attempting to send me certified mail. I am concerned this mess could put me once again at risk of foreclosure. I just resumed working again one month ago after losing my job of 17 years last year due to the pandemic. I am getting back on my feet but this issue is risking setting me back to square one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXXXXXX XXXX account number XXXX 15u.s.c 1681 section 602 a state I have right to privacy 15 u.s.c 1681 section 604 a section 2 it also stated a consumer report agency can not finished account with out my written instructions

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