BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: U.S. BANCORP
State: NY
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 opened a Altitude Reserve credit  card with US Bank early this year. On XX/XX/XXXX, i wanted to buy a XXXX watch and tried to use this US Bank Altitude Research card to pay. However, it was declined. I called US Bank customer services and XXXX told me they would put a note and asked me to try in a few minutes. I tried the second time and its declined still, so i used XXXX card to pay. 

On XX/XX/XXXX, I was told this card was closed by US Bank, and i can not make further purchases on groceries. I spoke with US Bank and a lady told me they closed my account because i bought a luxury good and according the user agreement this card can not buy luxury good. Immediately after the call, this card is closed. 

In the next week, i called US bank multiple times to reinstate this card but they all said they can not disclose more information. 

My question is - 1 ) during the transaction, no XXXX told me that I can not buy XXXX watch with this card. they just said they would put a note and let me try again in a bit -2 ) i reviewed user agreement and didn't find any words saying can not buy luxury good - 3 ) even if it specifies on user agreement, banks should warn me for the first time and close account after second time - 4 ) US Bank charge me an annual fee {$400.00}, and they didn't refund after closing the account.

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 2018-02-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company excessively calls my phone each day starting very early in the morning. After I deny their calls, another strange phone number usually calls me immediately after, and after that an Unknown phone number calls. Sometimes they leave voicemails saying who they are, and other times ( mainly when calling from the other numbers ) the voicemail is silent for about 0:13 seconds. 

I have contacted them on numerous occasions to notify them to not contact me. They leave voicemails saying they have my social security number on their desk and also say I need to return items deposited into my checking account or they will take further action. 

The calls are excessive and happen usually in batches of 3 every hour of the day. I cant be their only account so how do they find enough time each day to contact me so many times?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
How is it that the owner of the mortgage was never the owner as assigned to XXXX XXXX XXXX XXXX tn XXXX in there own words. How can you legally assign a mortgage to someone that does n't know they are the note holder or owner then sell the servicing rights to another servicer?

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 2021-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize this hard inquiry on my credit. 
Need this take off please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX ( XXXX XXXX XXXX ) XX/XX/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 non-monetary relief
Consumer complaint received 2016-09-21
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Issue: Billing disputes

Complaint:
I used my Citi XXXX HHonors Reserve credit card to pay a bill. I disputed the charge and submitted the appropriate documentation. Several weeks later, I received a letter rejecting my dispute. When I contacted Citi, I was told I do not have any dispute rights for quality of services issues. 
She said " without a valid credit slip, we are unable to intervene on your behalf with the merchant or their Bank. '' In trying to better understand my rights, I was given the run-around by a clerk and his supervisor. It was not explain to me how to get a valid credit slip.

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 2021-01-16
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My lease account from XXXX started in XX/XX/XXXX. 
My car was involved in an accident in XX/XX/XXXX. My insurance paid the remainder to XXXX in full, a payment of {$15000.00} was made to XXXX in XX/XX/XXXX. 
XXXX still shows that my account has 4 late payments adding up to more than {$1000.00}. This is not correct, the car is completely paid off. 
I called XXXX, they said they will fix it but they did not. I asked them to correct the information on my credit report, they asked me to submit a dispute and they will act accordingly. I submitted a dispute on Experian. The dispute processing was completed and the account still shows the late payment. This brought my credit score from 750s to 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 2021-01-16
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX there were unauthorized transactions made in 3 different locations.They were XXXX XXXX  New York , Ny XXXX, XXXX XXXX New York , Ny XXXX and XXXX XXXX XXXX New York XXXX XXXX I noticed my card was declined I called KeyBank customer service right away to see what they as the problem thats when I was told it was because of these charges.I then proceeded to tell them that was not me and they sent me to their fraud department and I opened a case and they said they would investigate.I still had my card with me so I was unsure how these transactions were made and so I waited for their response.I was then sent a letter by them that just said my case was closed and that I authorized these transactions.I immediately called and spoke to a fraud specialist and asked her what I could do to get my case reopened because I did not make these charges.She basically told me theres nothing I can do and I need to figure it out myself. I called them many times to get this problem solved and even went personally to the bank and they wouldnt help me figure something out or a way I can fight this.Now Im making a police report because they wont help me get back my {$2300.00} dollars that were stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17
Company: CITIBANK, N.A.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Citi bank hold about {$28000.00} of my private loan debt. I have paid them online every month and have not defaulted ever. 

on friday XX/XX/XXXX I got a letter in the mail that was a XXXX tax forum claiming that about {$16000.00} of my debt was cancelled in XX/XX/XXXX. when I called I was told they sent one for my XXXX loan as well. So right now the government things I have has about {$28000.00} of debt cancelled and expects me to file it as part of my income, BUT it has n't been discharged and I have been paying it the entire time. 

When I tried to talk to them about it they would only tell me that the documents were an error. they gave me no information about how they were going to fix it, what will happen with my taxes or WHY this happened in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
I signed up for a CITI/XXXX Card while on a trip to XXXX XXXX in XXXX. The reason was you would get XXXX XXXX miles if you spent $ XXXX in the first XXXX mos. I did that and more, actually charged over $ XXXX and paid it off on time. I noticed the other day I never got the XXXX miles. When I called them they said I had cancelled a CITI card last year and if I had read the fine print I would have know I was not eligible. Somewhere when I applied for the card WITH the XXXX miles I should have been informed I was not eligible. On top of that I do not remember or have any record that I ever had CITI card before. I have been a primarily an XXXX customer for over 30 years. We also have a XXXX XXXX ( our bank ) XXXX card and a XXXX XXXX we use for overseas travel. I think they told me when I cancelled it but they could not say how much and when I charged anything on it. I talked to XXXX levels of management and all I got was you should have read the terms and conditions and we are sorry. I cancelled the card immediately. My beef is that I keep a file on credit cards and I have no record that I ever had a CITI card. I do n't expect to get the miles but they should have their hands slapped at a minimum.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The Truist merger caused a savings account that I am custodian on to become inaccessible to me. After trying to get it fixed for several weeks I went into the bank to close the account. Their system was down and they could not complete the transaction. I left after an hour of waiting and asked them to let me know when it was completed. It has been a week and no one will respond to my phone calls, the account is still not accessible or closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Delta Management Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company, Delta Management Associates, has contacted me three times regarding a debt that my mother owes. During both the first and second calls, I informed them to remove my name as a contact, and do not call me again. Today, I received a third call, and asked for the caller 's information in order to make a complaint. The caller 's name was 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 2016-05-08
Company: Overland Bond & Investment Corporation
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Deactivated my car whenever I was a day late making a payment, causing me to miss work.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-10-26
Company: Zip Co US Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I started my zip account on XX/XX/22 and kept my payments were current until XX/XX/22 as I had a card compromised so it was canceled, I went to the zip app and added a default card to keep payment current. Instead the payment was not collected and a late fee was added of {$7.00}. 
After several live chat and 7 phone calls with a live agent and 4 days later the payment is still not collectedXX/XX/22was my final attempt to resolve the outstanding payment with the new card I received on XX/XX/22 which I added thur their customer portal as the requested on XX/XX/22 I asked them to collect the payment still they were unable claiming I never updated the card information. I fin had enoughI told the can bill thur mail as out business is concluded I will no longer contact or make further efforts to resolve something so simple. 
In addition the zip app I opened authorized me a {$350.00} spending credit but when I went to make a purchase the account had a hold on it saying I didnt meet the criteria, but you already offered me credit it did make sense In short they are incompetent at best with XXXX standard level of customer service unable to resolve the simplest problems a total waste of time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed a lease with XXXX XXXX Apartments XXXX XXXX XXXX, XXXX and following that we were harassed by neighbors and maintenance crews due to my XXXX orientation. I was forced to break the lease and leave the apartment complex due to my fear of continued residency at this location. I moved from the complex on XXXX XXXX, XXXX and that was approximatley 2 months prior to the end term of lease. In doing so, I left the complex and submitted a note explaining this detail along with keys to management office. In turn, I was presented with a lawsuit from XXXX XXXX XXXX in XXXX, Florida in the amount of {$2700.00}. Moving forward, I sent correspondence to this attorney, again, detailing my reasoning for quick move. The attorney replied and stating that this was not sufficent evidence to break lease and actually they never INVESTIGATED THE INCIDENT! Again, moving forward, the creditor filed a claim with credit bureau in the amount of {$2700.00}. It showed up on my credit report as a debt to original creditor in the amount of {$2700.00}. Later the original creditor employed FIDELITY XXXX in XXXX, California XXXX XXXX. XXXX XXXX XXXX, California XXXX / Telephone ( XXXX ) XXXX / Fax ( XXXX ) XXXX / XXXX XXXX XXXX - Legal Department EXT XXXX. 

My account was XXXX XXXX APARTMENTS / Account # XXXX XXXX XXXX, XXXX - The collection agency requested {$3500.00} to settle the debt of {$2700.00}. These funds had to be in their office same day XXXX/XXXX/XXXX to fullfill the case. On XXXX/XXXX/XXXX They demanded {$4200.00} to settle the exact same date PLUS interest of XXXX cents per day. The original creditor DID NOT RETAIN A JUDGMENT against me for the {$2700.00}, therefore interest would not be due without them obtaining a judgement. My lease did not provide for any interest accruing on the past due debt. They did not credit me with my security deposit in the amount of {$1200.00} and did not advise me if the unit was rented which would have resulted in additional credit to me. I have applied for A XXXX HOME LOAN. This fraud on behalf of the collection agency has prevented me from being able to purchase my home. Also, this debt was filed as A DISPUTE and CLEARLY shows on my credit report as being a legal disputed and recognized by the FCRA reporting act. In addition, the creditor has NEVER VERIFIED the debt in writing, although requested by me on numerous occasions. 

I need HELP FROM YOUR AGENCY ASAP AND I THANK YOU IN ADVANCE FOR YOUR TIME, REVIEW AND ASSISTANCE ON THIS MATTER. 

Should you have any questions or need additional information, please contact me at the following : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX ( T XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: SFS, Inc
State: NY
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
one click cash payday loans charged my account 5 times different amounts causing it to go over drawn by XXXX the new York state attorney general office want after this company and I do not own on this loan but I owe XXXX to XXXX for the a tamps to taking out money for payment I want this company to pay XXXX the XXXX fee

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Late fee

Complaint:
To Macy 's : I called the XXXX # and was told by a machine to call back tomorrow. I went ontoThe website and it crashed and posted a message to call the administrator. Frustrated! I have paid the same {$50.00} payment for a year fromXXXX bill pay. This month for purposes I can only assume is based on wanted to collect fees - my payment was applied to the XXXX Macy 's Amex account that has not had a balance in months. And I 'm charged a {$29.00} late fee! My payment due was {$29.00} - I paid {$50.00}. My due date was XXXX it was created on XXXX. I knew this was going to happen with all of the changes that Macy 's made. See my email in XX/XX/XXXX - I was watching my account closely so I did n't get hit with a late fee. I never guessed the payment would be applied to the other account. I want this corrected - my payments are never overdue and I do not want my credit harmed!! XXXX XXXX XXXX XXXX XXXX , XXXX oh XXXX. I am going to see by searching online how many others are living this nightmare!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX XXXX daughters, ages XXXX and XXXX received " Your Dispute Results '' letters from Experian dated XX/XX/XXXX, XXXX. Neither of these daughters has ever submitted a dispute as stated in the letters. Neither did either daughter request a credit report as also stated within Experian 's letters to them. In addition, I long ago directed that Experian Credit Locks be placed on these XXXX  accounts. Your immediate attention to this apparent fraudulent activity is requested. Efforts to contact Experian as directed through their web site 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 2016-09-21
Company: Finance of America Mortgage LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a mortgage loan in XXXX of 2016. Considering I had credit issues, I was asked to explain and provide information. After the issues were addressed and reviewed by an underwriter ( so I was told ), I was issued a preapproval. I went shopping for a house, placed an offer, paid for a home inspection and paid for an appraisal. When the sales contract was completed, the loan processor started asking for the same loan stipulations during the application process which I submitted immediately after the email. My Close of Escrow was scheduled for XXXX XXXX, 2016. Email was sent back and forth between me, my real estate agent and the loan officer. On Friday, XXXX/XXXX/2016, the loan officer claims we are good to close the following week but may be a delay for a day or XXXX since they were waiting on a credit supplement to gather remaining balances on a couple of accounts that were in collections and showing duplicates. On Monday, XXXX/XXXX/2016 ( COE date ), I received an email from the loan officer asking me to call her back. She told me that I am no longer qualified for the loan due to the credit issues that were addressed in the very beginning of this loan application. I was devastated. She lead me to believe from all her emails that those issues were addressed and I will be able to get this loan. I have spent money, time and effort to get this loan. Had I known in the beginning that the credit issues may be a problem during the underwriting process, I would not have gone shopping for house, placing offers, paying for a home inspection and appraisal. Since I worked for a bank as well, I consulted with my colleagues regarding the decline. I had asked the loan officer to have her branch manager contact me. The branch manager was completely rude to me and my colleagues. He was unprofessional and I felt that I was being belittled for having derogatory information on my credit report, for using a XXXX grant that my employer offers in helping pay for the down payment as well as the XXXX Nevada down payment assistance. He asks why didnt I go with my employer instead of going to them for financing. In addition to the above information, I was not given any type of disclosures after my application and I am still awaiting a decline letter be emailed or sent to me to provide detailed information.

Company response to consumer: Closed with monetary relief