BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech refuses to remove my PMI, although they say I am eligible if my home appraised differently. I have spent 9 months ask them to remove it based on an appraisal ordered by DITECH in late XX/XX/2017. That appraisal was XXXX. The market is hot & Ive added an additional floor of finished space since then. Finally, very apologetically, XXXX XXXX, a lawyer for them sent out another appraiser. Suddenly, my house is worth 280k. I have NEVER made a late payment, my mortgage balance is around 26Ok. 
They agreed ( via emails ) I have that the appraisal was strange and reestimated in their PMI Dept ( I think they just guessed ) that it was worth XXXX. Oddly, still not enough to remove PMI. 
At this point, I have paid 280 $ a month for 8 months of asking for it to be removed. I have all emails and both appraisals in hand. Im very upset. This is like a bunch of bullies robbing me, because they can. I cant refuse to pay. They are taking advantage of someone who cares about their credit. 
Please help. I dont know where to turn. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citibank NA made a hard inquiry on my credit report without my authorization or application for credit. There was no authorization for this inquiry which occurred on XXXX/XXXX/2016. I contacted Citibank via phone and they denied having made such a credit inquiry and was notified that they had no information as to an inquiry being made on my credit account and that no new account has been applied for, nor opened. I disputed the inquiry with the credit reporting agencies, through your organization, and supplied with the outcome that the inquiries were made by Citibank and would remain on the account unless directed by Citibank to remove them. According to the consensus on the internet, there seems to be many individuals experiencing this unauthorized access by Citibank , NA.

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 2022-07-15
Company: SYNCHRONY FINANCIAL
State: SC
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:
I have did a Preapproval with Synchrony Bank/ Amazon XXXX store card. I was pre approved for XXXX on XXXX/XXXX/2022. I tried to complete the process and kept having issues. so I called. Finally get the approval done and they change the amount from XXXX to XXXX. I had them to close the account and the did on XXXX/XXXX/2022. I get an alert for another inquiry ( that I did not authorize ) for the XX/XX/2022 on the XXXX/XXXX/2022. Today, XX/XX/2022 I received an alert from my XXXX report on MyFico app and stated that I have a new account from Synchrony /Amazon . The date reported was XX/XX/2022 and date opened XXXX/XXXX/2022, which is not correct. I called them and they were not willing to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: 1st Franklin Financial Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1st Franklin local office on XXXX XXXX in XXXX, AL has harassed me by calling repeatedly. I recieved 5 phone calls between XXXX XXXX to XXXX XXXX while I was at work. They left 4 voicemails with the calls. 3 of the 5 calls are 30 mins apart.

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 2020-03-12
Company: Experian Information Solutions 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:
On the past month of XXXX, I applied to buy a home. I was surprised when the loan officer denied me due a negative account on my credit report from Experian. 

I disputed the account with Experian via certified mail XXXX. Back on XXXX, your institution was notified to relieved me of all responsibility regarding this account. This account belongs to my ex-spouse and as you can see in the court documents attached, I was supposed to be removed. I sent as a supporting document the Court Order including the translation. ( See attached ) I received the dispute results ad came as verified as accurate. Its funny that mentioned the report was updated. I sent the letter on XX/XX/XXXX and was received on XX/XX/XXXX. But the new report generated today XX/XX/XXXX said the account was updated on XX/XX/XXXX Does they really investigate the account? If so, why the dates showed they didnt. ( See attached ) I Also disputed the account with XXXX XXXX XXXX via certified mail # XXXX. The letter was received by the mentioned company on XX/XX/XXXX ( See attached ) As today, XX/XX/XXXX the company didnt respond. Under Fair Credit Reporting Act ( FCRA ), companies generally have 30 days to investigate the dispute. Failed to respond is a violation under the law. When I sent the dispute, they supposed to cease and desist any collection activities until they send me the results of the investigation. They didnt response my dispute, but they went ahead to verify the account with Experian which under the law is considered a collection activity which is another violation under the law. 

As you can see, there is a lot of violations involved here. Im demanding to remove the account # XXXX reported by XXXX XXXX XXXX from my credit report due the mentioned violations and because the account is not belong to me. 
See attached the letter copies of the letter sent to Experian and to XXXX XXXX XXXX and the Court Order.

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 2017-05-26
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a few {$200.00} XXXX gift cards provided by U.S. Bank from XXXX in XX/XX/XXXX. Most of them got used quickly, but one did not get used. It remained in my desk, unopened and in its original packaging until XX/XX/XXXX when I tried to use it. I got a rejection when trying to pay a bill, which seemed odd as I had just opened the card. I logged into XXXX and checked the card and found it had 4 charges that I had not made. These charges are as follows : XX/XX/XXXX - {$24.00} XXXX XXXX- XXXX XXXX XX/XX/XXXX - $ {$53.00} XXXX  # XXXX XXXX/XXXX/XXXX - {$71.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX -  {$31.00} - XXXX XXXX # XXXX I immediately called XXXX and let them know about the issue with the card. They closed that card and gave me the information for PrePaid Debit Disputes and said I would have to continue working with them. Their office had closed for the day, but the lady at XXXX said I should contact them and also fax them the information during business hours. The lady also closed out that existing gift card and said she would send a new gift card to me with {$18.00} which is the amount left on the {$200.00} card. She said that as the disputes got resolved, I would receive credits on that new card. I waited until XX/XX/XXXX which was the first business day after that call and faxed the information to PrePaid Debit Disputes and immediately called them. The lady on the other end could not find my fax at that moment, but told me to contact them 2 - 3 business days later and check to see that the fax had been received. I called back 3 days later on the XX/XX/XXXX and verified that the fax had been received. That associate told me I should be expecting a follow up in the mail to process an affidavit from me about the dispute. On Tuesday, XX/XX/XXXX I received the new gift card with instructions on how to activate the card. On Friday, XX/XX/XXXX, instead of receiving an affidavit request in the mail, I received a letter saying that they were unable to assist with my dispute due to the fact that my notice was received beyond the time frame allowed.

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 2021-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX  XXXX  Original creditor : XXXX XXXX {$120.00} Balance updated XX/XX/XXXX XXXX  XXXX Account number XXXX and XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX  XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX/XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card US DEPT OF EDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Inquires US SM BUS ADMIN ODA XXXX XXXX NA RESIDENT VERIFY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Been using the XXXX app to round up money and invest and it stopped rounding up in XXXX of 2019 and I havent been able to link my bank account back since then

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I submitted a complaint against CAPITAL ONE, regarding them closing my account and I had nothing to do with the issue, but someone trying to help me during a terrible experience I had stepped in to help me pay money that the scammer demanded. I have 4 credit cards, they are restricted and closed. This complaint focuses on ACCOUNT XXXX XXXX, which I paid out of my XXXX BANK account, and has a zero balance ZERO!!! after I paid the {$3000.00}. 
They send me a letter everyday giving me 45 days to submitted proof I paid this. They don't listen to me when I call them, and insist the account was paid by the individual that paid all my bills to help me back in XXXX that I was demanded by this scammer to get him. I WAS NOT AWARE OF HOW MY BILLS WERE GETTINGPAID, SINCE I WAS READY FOR A BREAKDOWN DUE TO BEING THREATEN. 
SEE MY COMPLAINT XXXX Capital also sends me a daily email that they are closing my accounts u less I produce a statement. 
ALL OF THIS WAS UNFORTUNATE DUE TO THIS SCAM by a lying fake DETECTIVE BUT CAPITAL ONE HAS TREATED ME LIKE A CRIMINAL!!!!! I KNOW this is my 2nd complaint, but the mail delivered 4 more letter today and calling them they never listen or help it's a recording the same answer. Stop hurting a very good card holder for over 20 years+++CAPITAL ONE HAS ALSO DESTROYED MY CREDIT REPORT. 
I ASK THEY CLOSE MY ACCOUNT DUE TO PROTEST. 
I'm sick of a bank being so nasty and seeming love to " hurt '' the public. I did nothing wrong! BUT OF COURSE, I'M BLAMED. All this harassment, and it hurts me! To be blamed for something I had no control of, and to rub it in daily. 
PLEASE ADD THIS TO THE ABOVE COMPLAINT. I know the bank will come out perfect since we are nobody and they have the power to do whatever they want. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I Applied for mortgage with Citi with a closing date on a new home being built by XXXX XXXX. Citi did n't schedule final inspection properly and resulted in my closing date being delayed by 4 business days. Per Citi, ( taken from Citi webpage ) " On-Time Closing Guarantee - We 'll close on time or give you {$1500.00}! '' with the following restrictions - XXXX " If you are purchasing a home, we guarantee to close by the date specified in your purchase contract, unless prohibited by federal law, * and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by Citibank, you will receive a credit toward closing costs of {$1500.00}. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending programs and government loans. In Texas, the credit may not result in your receiving cash back. ( *Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The Guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3-business-day waiting period. ) '' Loan Application was formally made XX/XX/XXXX, giving approximately 60 days until scheduled closing. 

Home construction was finished Approximately XXXX XXXX, XXXX and I had the final inspection/walkthrough with the builder shortly after. The final inspection scheduled with citi was scheduled with loan officer for XXXX XXXX, XXXX. Due to Citi scheduling issues, the inspection was rescheduled for XXXX XXXX and finally took place on XXXX XXXX, XXXX. 

Citi did not honor on-time closing guarantee stating that house was under construction at time of application. While this is true, that condition is not explicitly stated in Citi 's terms and restrictions. The house was NOT under construction when Citi encountered a scheduling error ( holidays maybe? ) and there for should still be eligible for the on-time closing guarentee per the verbage of Citi 's Terms and Restrictions as they apply to the 'on-time closing guarentee ' The fault for a late closing rests solely with Citi and was in no way influenced by the actions, or lack there of, of myself or the home builder.

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 2016-06-07
Company: CITIBANK, N.A.
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points after opening a CitiGold account and then scheduling two bill payments from the newly opened account and making at least {$1000.00} purchases with Debit Card. 
Having completed the eligibility requirements, I inquired with Citi about when I would receive these points. I was extremely disappointed to hear from Citi about the outcome of case XXXX. After first offering the promotion, it appears Citi is refusing now to honor its promises. I appealed this denial citing several interactions with Citi representatives replying to my communication regarding the promotional offer. The debit card was not delivered to me several weeks late. Following communication has been initiated : XXXX, XXXX, XXXX, XXXX. I would like to point that I am in position of the promotional offer and screenshots made on XXXX/XXXX/2016, the day I applied for the CitiGold account, that clearly indicate the promotion code and Rules and Conditions and the fact I am eligible. 

I received the same form response that I was not eligible for the promotion without citing T & C of the original offer. While researching this issue online, I have found widespread complaints about Citi from other clients who found themselves in the same situation. 
I am extremely unhappy as I am currently in processes of transferring my assets over to Citi, but this event has seriously undermined my trust to your bank since such marketing practices are deceptive and misleading. I truly believe Citi must take steps to honor the bonus offer.

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 2022-03-22
Company: EQUIFAX, INC.
State: NJ
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Credit Karma, LLC
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:
On the XXXX of XXXX I contacted credit, spend account customer service to report fraudulent activity on my account explain to them via phone call all of my money was gone out of my account which was deposited from the IRS my taxes and I had gotten notifications on my email that the new card was issued and sent out to an address that I was unfamiliar with and that the phone number on the account I was locked out of the account the pain was changed to the card I had all these no notifications and when they told me the transactions these people drink my money through XXXX XXXX and at a casino and threw up it's very obvious and evident that it was fraudulent activity they have now not giving me an explanation why but they have denied my claim twice and that is not right they have also blocked my access to my credit karma account and will not send out any Credit Karma spend account card which I have money on my card still and I had a direct deposit so I need my money they are robbing me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019, I recieved an automated phone call, which was then answered by a representative of Midland Credit Management. I've been recieving and responding to these phone calls for the past month or so. Explaining to Midland that I intend to resolve the debt. The representative I spoke with today at approximately XXXX XXXX, mountain time, seems more concerned with why the debt defaulted in the first place. I explained the debt was at least 2-3 years old, and was ready to reach an agreement with them. He continued to insist that I explain why the debt became delinquent. Which, in the case of such an old debt, is immaterial. I made every effort to communicate my intentions of resolving the debt, to no avail. I also asked the representative for his callback number, in case I needed to reach him again, he did not refuse to provide it, however he did not give it to me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Legal Action Bureau Inc
State: WI
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:
Debt collector had been calling multiple times a day since the end of XXXX, beginning of XXXX. I have received zero information in regards to a debt, just that I need to contact them and its urgent. After asking them to stop calling and being ignored I then sent a cease desist letter to stop calls to myself and anyone related to me and my employer. I asked for a statement of a debt, and have received nothing in the mail, only nonstop phone calls that are so frequent its harassment. Multiple calls, every single day. When I called back two people were  talking to each other over me and yelling about how theyre not harassing me and they can keep calling if I owe a debt and wouldnt let me speak. I hung up, and immediately sent a cease and desist letter, with delivery verification and the collector, XXXX XXXX, has since violated that. The next day at XXXX he called again, I said again to stop calling and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TransferWise Ltd
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The company - called Transferwise now called XXXX allowed XXXX XXXX to double bill my card- approximately {$500.00} two times = {$1000.00}. 

This has overdrawn my account and blocked access to my good funds for 10 days. I have sent twitter and email messages. They apologized but refused to clear the double charges. My subsequent emails to them - no replies- only silence. 

Account # XXXX My email address - XXXX XXXX

Company response to consumer: Closed with explanation