BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: CITIBANK, N.A.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Received XXXX separate calls from Citibank Student over the weekend regarding a past due balance. A past due balance, that was a mistake made by Citibank Student Loans and the second time this mistake was made When my wife spoke to them, they refused to give her information, despite her being authorized. The representative was pushy, repeatedly requesting payment immediately. She did give her ID # when she spoke. She did not care when we mentioned that the past due balance was an error on the part of Citibank, still requesting payment. We asked for a call back number which she did not want to give and continued to request payment. When she finally gave it, the number to call back brought us to the system and we were informed the offices were closed. They requested personal information that did not seem secure. 
Now, we were able to call back and speak to a representative when they were open. We were informed that they had no control over when people were called and that the staff were told to call and they did so and this was their policy. 
This balance had been " past due '' for less than a week and there had been no email notification or mailing. We received an email today almost a week after the phone calls were received. Further the phone calls were over the weekend ( XXXX ) and repeated. This is excessive, bordering on harassment, especially in light of the whole situation being a result of an inability to process a check correctly and follow the directions on it for a second time.

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 2015-07-23
Company: CITIBANK, N.A.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was being charged for credit monitoring with out my consent from Citibank XX/XX/XXXX-XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, XXXX XXXX obtained a default judgment against me in the State of Texas after the statute of limitations had expired. The statute of limitations for a creditor to sue you in Texas is 4 years from the time you defaulted on the debt. I 've asked XXXX XXXX to provide me with the date and amount of the last two payments on the original Citibank account and they refuse to. I have contacted Citibank the original creditor and they refuse to provide me with this information even though I know they have it. In addition, the original amount listed on the judgment paperwork is different from the amount listed on a credit report from 2013. Please help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Date XX/XX/2020 On both my husbands account and my account the company has a XXXX balance and a XXXX amount due but both accounts show monthly payments and high balances in the past 2 years. We paid off both accounts 2-3 years ago. Spoke with the account company in question and they show as paid off. The mistake is being made by TransUnion as showing we are making monthly payments for the last 20 months on XXXX balances. I just want it taken off our accounts. After waiting over 1 1/2 to speak with someone when I asked to speak with a manager I was sent back into waiting for another assistant. Waited over another hour and hung up. These companies don't care about my credit or my husbands as I have tried online to get through to also XXXX and XXXX  and neither one can you do your info online and no live person to help when you call.

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 2021-03-25
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX Netspend closed the account Ive had open for over 10 years due to a secondary cardholder being deceased. Since XXXX, Ive asked to have both of the other cardholders names removed from account but was told that was impossible. One of those cardholders passed away XX/XX/XXXX. The more than {$9000.00} in the account has been deposited over time in my name only & is legally my money, however Netspend is refusing to release those funds to me. Their basis is that the federal government will not allow those funds to be released to me because a secondary cardholder is now deceased. They keep repeating that they have to return the money to the senders ( from over time ), even though they admit the funds were sent for the primary account holder. 

Im a single mother of XXXX. My fianc was XXXX  last year right before COVID. Netspend had been my XXXX XXXX institution for more than 10 years. Me & my children not only need this money but are legally entitled to it.

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 2022-08-28
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had two store credit cards which the stores deceivingly advertised as regular credit cards when I was asked at the registers if I wanted to apply. But even though that is beside the case, when I lost my job and had no money, the interest and the late fees doubled the amount of money that I owed on the store cards. When the collection agencies called me cut a deal with me that if I started paying the most I could afford, of {$8.00} a month, they would erase the late fees and the interest and only charge me for what I originally owed. I had been paying this XXXX per month for almost a year and when I checked on my credit report statement there was no record of it and the balance was still the original balance with the interest and late fees included! So they obviously lied to me and scammed me and took my money all this time with out the balance owed even dropping at all!! So they scammed me and deceived me because they got me to pay them the smallest amount I could afford every month for about almost a year and they stole it because it was not deducted at all from the original balance!!

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 2017-02-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
They claimed they investigated the claim filed about my dispute when in fact they did not. I had to contact the companies myself to have some fraudulent information which are falsely placed on my credit report. Even after contacting them with verification from the agency and proof that the information needed to be deleted, they refused to delete it. I tried contacting their special handling department to explain the situation. The representative on the phone was rude and when I requested to speak with his supervisor, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Because my card number was stolen for the third time, I reported the fraud and cancelled the account with Comenity Capital Bank in XXXXXXXX XXXX. They researched and finally decided it wasn't my charge and closed the account in XXXXXXXX XXXX. In XXXX, I received a payment notice with interest, on a balance I did not owe. On XX/XX/XXXX, I called and had the account closed by agreeing to pay {$70.00}. They deducted that amount from my bank account. Now it is the end of XXXXXXXX XXXX, and they are still sending me statements saying I owe an additional {$32.00}!! I owe nothing as the card was cancelled in XXXX, paid " in full '' on XX/XX/XXXX! And their automated assistance will NOT allow me to speak with someone to confirm all this happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I submitted a HELOC loan application XX/XX/XXXX along with my supporting financial information including proof of income, tax returns, and home owners insurance information. After not hearing from the bank ( Citizens Bank in the XXXX XXXX Branch, XXXX, NY ) for several weeks I called the branch to learn that the bank employee that was 'handling ' my application and who had custody of my personal financial information, had left the bank. When I enquired where my information was, the bank employee told me he did not know but he would look for it. Later that day he called me to tell me they found it in a drawer of the former employees desk. I then requested the branch mail my financial information back to me. After a week and a half I had not received the information and I called the bank and spoke to the branch manager who told me she had it and if I wanted it back I had to come into the branch. I did so. At that time I lodged a complaint with the regional supervisor of the branch. At that point the regional manager asked me if I still wanted to proceed with the HELOC loan. I told her I did not as all I had were problems with this branch ( see a current complaint I have pending with this branch regarding fraudulent loan practices ). She then told me the bank would discontinue my application. I then told the regional supervisor I wanted to lodge a complaint against the branch for the shoddy mishandling of my original application and personal financial information. She said she would but after several weeks of not hearing from her nor receiving anything from the bank acknowledging my complaint I escalated the proceeding to the 'Office of the Chairman ' Two weeks later I received a 'rejection letter ; for my HELOC dated the day after my request to have my application withdrawn. The reason they gave was 'excessive loan to income ratio ' Since the bank never had my income information ( found in a desk drawer of a departed employee ) One other totally amazing fact about my so-called rejection letter, they rejected me for a loan I never asked for! They claimed it was for {$190000.00} when the fact of the matter was, it was suppose to be for only {$90000.00} I maintain that the banks rejection of my loan was discriminatory and vindictive because of my complaints and withdrawal of my application. The upshot of all this is when I told the banks 'Office of the Chairman ' they said they would investigate all these matters. To date they have not done so nor have I been informed in writing by the bank about my complaints. 
One final thing, according to my FICO score which the bank sent me it was XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: National Credit Adjusters, LLC
State: TN
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: Problem with personal statement of dispute

Complaint:
I was a victim of identity theft in which someone broke into my home and stole personal information from me including my social security card, driver license, and several other important documents. Someone fraudulently took out a loan in my name. I tried to inform the company of this but kept getting told different things. I have asked the collection agency, NCA, to send me proof of this account and any contract relating to it. Upon further investigation, I have also learned that the original creditor, XXXX XXXX is no longer in business. Therefore, I would assume that any contracts with the company are now null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX / XXXX of XXXX I noticed a collections account added to my CR from Convergent. I contacted them regarding the invalid information posted and asked for verification that I owe them any money. The account they claim to have been sent was from XXXX. 

I reached out to XXXX and was told that I do NOT have any account in collections, but I did have a past due balance. I paid the amount in question to them. 

On XX/XX/XXXX, I received a response from Convergent with my XXXX bills from XXXX through XXXX. I searched through all of the documentation, and I saw nothing stating that I owe any money to Collections. It did show my payment for the past due balance on paid XX/XX/XXXX. 

I looked at the XXXX bill to see if there are any mentions of Convergent in the " Ways to pay your bill : '' section and saw nothing. 

On XX/XX/XXXX I sent a letter to Convergent via certified mail. I see that it was delivered XX/XX/XXXX, at XXXXXXXX XXXX. and signed for by XXXX XXXX. 

As of my submitting this complaint I have not received any response from Convergent and this invalid derogatory information is still posted on my Credit Reports.

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 2020-01-15
Company: I.C. System, Inc.
State: AZ
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 had an account that appeared on my credit as a collection for a company I had previously done business with, it was a cable provider. I canceled my account and returned the equipment to the carrier and I found that they had sent me to collections even though I didn't have a balance and had returned all the cable equipment. When I saw the {$500.00} collection I initially disputed it with all three bureaus because I knew I didn't owe them. The account was deleted by XXXX and XXXX because the company could not provide proof of the balance they were trying to collect or where it came from, now it is being reported to XXXX and XXXX is refusing to do anything about this. I know that this information is incorrect and it is harming my credit rating. it was already deleted by the other bureaus because the collection company can not provide proof of where this balance came from and XXXX needs to do the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt amount is wrong, the original creditor was supposed to fix total amount owed, never received letters or phone communications from said creditor. Debt has been placed on my credit report more than once and is continuing to hurt my credit score with each new cancellation and reapplication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: JPMORGAN CHASE & CO.
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: Overcharged for something you did purchase with the card

Complaint:
I entered into a contract with " XXXX  '' in XXXX XXXX, CA to install a fireplace in my home with the provision that I would not pay the final 10 % of the total charges until the job was complete. However, XXXX submitted a claim on my Chase Credit Card for the final payment ( 10 % / {$1800.00} ) before the job was done. So, I contested the charge. 

The fireplace installation was finally completed on XX/XX/2020 and on XX/XX/2020 I contacted Chase dispute and informed your representative that because the job was completed, the dispute could be dropped, and the vender ( XXXX  ) could be paid. I paid the charge when it showed up on my XXXX bill. 

On my XXXX statement, it reflected two charges for {$1800.00}, and two credits for {$1800.00}. I was confused by this, but since the 4 transactions resulted in no charge to me, I ignored it. 

I received my XXXX statement, and there is a NEW charge of {$1800.00}. I called Chase, and the representative told me that it had to be paid, along with interest and penalty fees. The representative refused to reverse this erroneous charge. 

XXXX  sent me an email confirming my account was paid in full in XXXX. I have been double charged by Chase Credit Card. I will expect a speedy reply to this, as well as a reversal of the current {$1800.00} charge and all penalty fees associated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: TN
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
Portfolio Recovery # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: CITIBANK, N.A.
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 opened a credit card with XXXX XXXX as the sales person offered a discount to do so. The charge was only {$35.00}! I had moved due to an environmental issue with our home and had mail forwarding but never received the bill to pay. I tried to pay but the account was closed due to late charges which I had never seen! I had contacted XXXX XXXX several times to pay the account off but told it was closed. I am very upset about this as it has severely affected my perfect credit score! This is the only XXXX mark on it! How terrible XXXX XXXX Citibank is! I now want a home loan and have to pay a higher interest rate because of this XXXX account! I would have gladly not opened the card if I had known how XXXX XXXX Citibank does this to people. Come to find out this is not the only case! People not receiving their statements and credit scores being affected! I am done with XXXX XXXX and Citibank. They need to be investigated!

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 2020-01-15
Company: Consumer Portfolio Services, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a car from XXXX XXXX In XXXX SC. The lender is Consumer Portfolio Services. The original purchase was for {$28000.00}. I have paid over {$40000.00} and still owe the company {$18000.00}. I did not realize the fine print of the car was {$12.00} per day for late fees. I was told that be a CPS representative 2 years ago. In past years I have been late because my husband was sick and I was the only person working. I can not find anyone to refinance or trade in because the car is worth {$4000.00} and I owe {$18000.00}. I am currently 2 months behind again. My payments are {$530.00} and thats {$1000.00}. The lates fees are {$700.00} so right now I owe over {$1800.00} for 2 months. I have filed a complaint with the XXXX   and they recommended I contact this agency as well. CPS needs to be investigated for these are loan shark practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
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: Their investigation did not fix an error on your report

Complaint:
Over the last 2 years I tried to fix problems with Transunion credit reporting. Interesting enough, is that, since i refused to sign up for their credit improvement program, the reporting got worse. Compared to XXXX, my credit score with Transunion is about 50 to 60 points lower. They seem to report negative factors only and when i file complaints with them I only get their standard, pre prepared answers. 
They do not list my car loan or my mortgage, which are paid 100 % on time and would raise my credit score significantly. 
Due to their unwillingness to report correctly, I have to pay higher interest rates with companies and banks that go by their numbers. 
It is hard to get them to change their behavior, since they do not have to follow any rules, but their own. 
I hope, CFPB can influence Transunion to fix the discrepancies in my credit reporting. A almost 60 point difference to other consumer credit bureaus 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