BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had   a Sears credit card through Citibank during two different time periods. Several years ago I had an issue where I paid the account in full, only to receive a bill for something like {$3.00} in interest a month later, and then fees on top of that when I did n't notice the bill because I thought the account was paid in full. I canceled the card after getting the late fee removed and paying the {$3.00}.
Recently I opened a Sears card again, paid the account in full over the phone and canceled the card, only to receive a bill for {$6.00} in interest a month later, again a bill I did not expect as had canceled the card. A month later they tacked on a whopping service fee and sent it to collections.
This is an unfair billing practice. In this day and age, if a customer calls and asks for the amount due so they can pay the card off in full and close the account, the amount told to the customer should be the final amount due, and there should be no yet undisclosed additional interest added to the bill in the next month, which then trips up the customer and allows Citibank to tack on enormous service fees and send the account to collections to effectively earn an exorbitant additional profit.

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 2020-03-02
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Thursday XX/XX/2020 I went inside Comerica Bank located on XXXX XXXX XXXX XXXX, Tx XXXX to withdraw some funds from my account for rent. Unfortunately, they put a hold on my account, and put it under review due to XXXX  deposits so I wasnt able to withdraw money from my account. I called corporate Friday XX/XX/2020 and the lady whom Ive spoken to told me it would be cleared Saturday XX/XX/XXXX or Monday XX/XX/2020. Saturday, I went to the Comerica Bank I originally opened with which is located on XXXX XXXX XXXX XXXX, Tx XXXX. I spoke with someone there and she told me my account was off hold and I was able to withdraw funds from my account. I withdrew {$1000.00} from my account. I left and tried to swipe my card at XXXX to get my babies something to eat and they declined it. I tried to log in to online banking they told me I had the wrong password. I went inside Comerica Bank today, Monday, XX/XX/2020 to see whats going on. The lady whom Ive spoken to Saturday, told me yet again my account was good. I asked her if I could withdraw some money she told me yes. I went over to the teller and she says she has to get the amount approved by the supervisor. They called to verify and saw that the same bank froze my account yet again for the very same reason which was the same review from Thursday and told me I couldnt withdraw any funds from my account. Since the previous review no new deposits were made. Im making a complaint because, they cleared my account Saturday XX/XX/XXXX and allowed me to withdraw from my account and they froze it again Monday XX/XX/XXXX after no new deposits or transactions were made as of Saturday XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found XXXX  XXXX reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, 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 2021-11-20
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is regarding the original complaint submitted to CFPB for XXXX and XXXX. I am providing additional evidence of deceitful business practices by US Bank. The bank responded to the complaint dated XX/XX/XXXX. It stated on the front cover incorrectly that " The state of FL is an electronic holding state. A paper title has been requested ; please allow up to 6 weeks for the request to be completed. '' I have contacted the Florida XXXX XXXX XXXX collector 's office, XXXX XXXX, with a money order of {$85.00} in order to obtain the title in XXXX of 2020. Please see the attached response of the Florida XXXX collector response, note a typo of date, it should be XX/XX/XXXX, not XX/XX/XXXX. US Bank 's response is contradictory to the response of the XXXX collector XXXX in Florida.

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 2017-04-25
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX   Closed Submitted Status Submitted to t he CFPB on  XXXX  ProductOther ( i.e. phone, health club, etc. ) IssueDebt is not m ine We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.         YOUR COMPLAINT  XXXX  has submitted alleged cable bill to  XXXX  collection companies for which I do not owe. I have never lived at the address for which I am being billed. I previously made this info available to the first collection agency in   XXXX   XXXX  . Additionally, I filed ID THEFT complaint with  XXXX  Police  Dept.,   notified  XXXX   XXXX   CREDIT RE PORTING AGENCY, AND IDENTITY THEFT.GOV Now, in   XXXX   XXXX   I am being asked to pay.              View full complain t Sent to compa ny Status Sent to compa ny on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.               Company responded  Status Company res ponded Closed with explanation on   XXXX   Response T ypeClosed with explanation Company 's respons e Re : IC  System Reference No :  XXXX  Account No :  XXXX  Your Credit Bureau Account No :  XXXX  Dear  XXXX   XXXX  : Thank you for contacting us. In an effort to close the account, our client,  XXXX , is requesting a fraud packet be completed and returned to them with a copy of the ID Theft complaint with  XXXX  Police  Dept. IC System h as ceased all collection activity on the account to allow time for the packet to be returned to  XXXX . Attached is the fraud packet. Sincerely, Consumer Affairs on behalf of IC  System, Inc. T oll Free No :  XXXX  This communication is from a debt collector 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 2017-04-14
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I asked to see the contract showing the open and close date of this account that was already paid. No contract was provided and I was unaware that the account was sold to a collection agency as the account was paid. No contract has been received. I do not owe this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a PayPal account so that my unemployment could be deposited on there not reading all about the rules and policies anyway my first unemployment deposited on XX/XX/2020 and as soon as the funds from unemployment deposited to my card I immediately called XXXX pcs to pay my phone bill well it didn't go through so I tried again thinking maybe I put the info in wrong so I tried it again it declined so im just like confused as to why so I go to the cornerstone go to ATM tried to withdraw some cash it wasn't going through so I try to buy a piece of candy, it didn't access so im lost at this point so next thing I know I'm getting an email stating my account has been put on a temporary limit due to suspicious activity so im upset crying.so I go into my PayPal app and provided some of the info they asked because some of the questions I couldent answer so they put my account on a full limit hold for 180 days so im panicking because rent, car note, electric due I became homeless lost job me and my two children were sleeping in our car that became up for repo so long story short it's been almost 2 yrs I call and try to withdraw my funds and they give me the run around and say to be looking out for an email from them and I been waiting and waiting im currently homeless my 2 kids and I moving from place to place, shelter to shelter, and I direly need my funds of XXXX to be available for me to withdraw can you guys please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX ( now PNC ) does not provide transparent and proper disclosure of fees and costs associated mortgage/refinance products. PNC 's claims of " fair lending practices '' are false. PNC 's disclosures are far removed and misrepresent any claims or commitments to " good lending practices ''. 
PNC also used deceptive practices to lure us into the mortgage transaction, and conveniently " timed '' the closing dates so that we were stuck with them and risked the lock-in date- thus forcing us to give in to PNC 's fees and charges. 
We had current mortgage with XXXX since XXXX. We started the refinance process in XXXX XXXX. We were advised to start a HELOC and were told we would be able to convert that HELOC via an inhouse transaction *with minimal to no closing costs*. We were also told the appraisal charges would be waived at the time of converting the HELOC to a refinance mortgage. So, we provided all the paperwork and details and got a HELOC approved in XXXX. In XXXX we took the HELOC loan and started on the conversion to refinance 10 days later in XXXX- with intention of converting it right away to the refinance mortgage per advise from the Loan Officer. In XXXX, XXXX  the refinance transaction never happened in the manner we were told/sold. It dragged on with restarting the entire underwriting process, second set of costs and appraisals, and multiple delays due to " merger '' chaos/confusion. Then we were told, this would be a full transaction. i.e. full closing costs and full appraisals, and sorry but NO lender credits to make us whole for the ( mis-represented/mis-communicated ) offer to refinance with a minimal cost product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: TX
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 sent a Bureaus letter last August 31, 2022, to update the incorrect accounts in my reports which I believe has been taken care of due to the written appeals. However, no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : ATTYGENERL XXXX Balance : {$5000.00} OFFICE OF THE ATTY GEN XXXX Balanced Owed : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have attempted to dispute errors that are reporting on my credit report with Transunion. They are not properly investigating that issues and have ignored my claims. They have not provided me with a Proper Method Of investigation which per the FCRA has to show you physical proof of who they spoke with, when they spoke to them and what verifiable proof was shown to Transunion, none of which they have shown me. They have repeatedly told me that an items has been " verified. '' Though that is not legal verification per the FCRA. These items need to be erased immediately because they are causing undue harm to my credit file and my personal life. I have attached my dispute letter and identifying information to prove my identity.

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 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX  I had an issue with my taxes. Bank of America (BOA) was informed by me and I was told to keep them informed as I tried to work out the missing money with the city.   XXXX   XXXX   XXXX  , BOA (without notice) paid my taxes that weren't completely due yet and my county taxes that weren't due for like another month or so...then they placed an escrow on my account. This raised my house payment from  XXXX /mo to over  XXXX /mo!!! Needless to say, I couldn't afford that.

I called BOA several times and the people I spoke who advised me to go thru loan modification. Another nightmare. I was denied after about 2 months of paperwork. I was ==>>also told by my contact person not to make any payments until the modification went thru

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 2019-12-13
Company: EASTERN BANKSHARES INC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was paid on XX/XX/19 by XXXX with a check from XXXX XXXX   for XXXX. I mobile deposited the check on XX/XX/19 to my XXXX XXXX account. The funds were released. Then on XX/XX/19 the check was deposited again by an unknown individual to Eastern Bank. XXXX was charged twice, he said he opened a claim and that they took back my funds but not from Eastern Bank and was unsure why. XXXX tried to open a duplicate check claim with XXXX XXXX and the FDIC was involved. They issued a temporary credit to my XXXX account but then took it back out. I was never explained why. I inquired with XXXX he said there is nothing more he can do. He stated that the person at Eastern Bank still has his money. The individual who fradguaently cashed the check a second time. You can see that they never did a second signature on their mobile deposit, and that account is not one belonging to me with my name, so a second signature should have been required to process that. 

You can see a trail for checks deposited by me from XXXX. The unknown individual at Eastern bank has no trail as this was fraud. They have the funds that are supposed to belong to me. 

I have reached out to all three banks and they all are saying to contact the other.

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 2022-09-15
Company: CITIBANK, N.A.
State: IN
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:
After Checking my XXXX credit report online, I checked under my closed accounts to look at potentially negative items on my credit report. I have a closed account with Citibank and said account was included in my bankruptcy in XXXX. To help locate the Citibank account, the highest balance that I ever carried on that account was {$4500.00}. After reviewing the closed account on my XXXX credit file, and looking at the payment history of said account, I realized that there was a " N '' notation or " negative '' listed under XX/XX/XXXX payment history. This account was closed years ago. In addition, XXXX states that this account will remain on record until XX/XX/XXXX. However, XXXX will remove the account from my credit report in XX/XX/XXXX. The information that XXXX and Citibank have on my credit report is not correct. I filed a dispute with XXXX to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

They also have neglected to list the creditors on my Equifax report for XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was seen at XXXX XXXX in XXXX Kentucky in 2017. I provided them with my insurance card when seen and then I called them to provide the information. I assumed it was taken care of because I never received anything stating it wasn't until it showed up on my credit report. They obviously never corrected my account as having insurance and the insurance was never billed. They stuck me with the bill on my credit report.

Company response to consumer: Closed with explanation