BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Contacted All 3 Bureaus Multiple Times about these accounts especially about Department of Treasury thats showing opened from XXXX, that account is not mines whatsoever, I was born in XXXX submitted a dispute letter to the bureaus and its been over 30 days since hearing a response from them. Under the Fair Credit Reporting Act, the inaccurate items have to be deleted. Please resolve this matter at your earliest convenience. Thank you for both your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 Cash App closed my account with them for no suspected reason. In order for me to use the application furthermore, I had to cash out all remaining funds, unlink my email and phone number and then proceed to make a new account with the same information, in which I did, with the exception of using the same email. I used a different email for the new account in hopes that they may need accessibility to my original email for the previous account in case of re-opening. I did as instructed from their help section on their app. On XX/XX/2020 I received a Cash card merchant refund to the cash card that was associated with the closed account for an unpleasant stay with XXXX. I communicated to an XXXX  support ambassador that was assigned to my case prior to XXXX initiating the refund that the card that was used to book the reservation was closed and I had no access to that account. The Ambassador stated that XXXX can only refund the payment to the payment method that was used to book the reservation initially and that the recieving bank should either transfer my funds to my new account or mail me a check of the balance. After she initiated the refund, I contacted Cash App immediately to inform them of what was happening. They gave me one option called a merge and that was unsuccessful. They gave me another option of sending random payments back to recipients from the old account totaling the amount of the XXXX refund and then telling them to forward the funds back to my new account that is accessible. That was unsuccessful. Then they told to have XXXX recall the refund. I reiterated to them that XXXX can not recall the refund as with many other merchants. I reminded them that it is the financial institution 's responsibility to make sure the recipients funds are delivered to them. They said there was nothing they could do, they could not provide me with further information, my account was closed due to violation of their Terms of Service, and I would no longer be able to acccess the account or the funds. When I asked them what would happen to the funds since I can't retrieve them via their end or via XXXX, they did not respond with an answer to my question but instead just kept saying I will not have access to my funds for security reasons. Throughout the emails ( there is no live support ), they kept giving me false hope and the run a round with retrieving my funds. I just want my money. XXXX refunded {$680.00} and out of that, there is {$680.00} as a remaining balance on the card. I have contacted many agencies about this issue in the hopes that someone will help me. I am tired and need my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
For as long as I have had a Best Buy rewards card with Citi I have NEVER received a bill. Not once, not electronically in an email, not in the postal mail, nothing. Best Buy Rewards was part of XXXX which sold to XXXX XXXX which sold to Citi ... Because I moved during one of the mergers I could not verify my own information. Fortunately I knew my card was expiring and sent a change of address notification to my old address with my new one and my " new '' Citi card was mailed to my current address. Hooray ... Once I could verify my account, I could change my address BUT I still never received a bill. Not in an email nor in the USPS system ... nothing, nada, zilch. Today, I received a set of collection phone calls saying I missed a payment. Apparently Citi upped my monthly payment without telling me and 3 months later, my account is over due without my knowledge. So, I closed the account only to be told that I can expect a final bill based on accrued intrest and check my email and post box!

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 2016-09-02
Company: CCS Financial Services, Inc.
State: AL
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:
It appears that someone in XXXX has used my name and possibly social security number. The claim is stating that I owe XXXX XXXX for utilities not paid. 

I have never lived in XXXX and at the time of the claim I was living in Alabama.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: PNC Bank N.A.
State: PA
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:
pnc closed my account out of no where and is miss reporting on my credit report saying im late i have never been late on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account from my credit report.

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 2016-01-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/XXXX we purchased a refrigerator and dishwasher at XXXX XXXX in XXXX, PA. The purchase price was {$2700.00}. We financed the purchase with brandsourcecard.com based on the dealer 's recommendation. The promotional financing was 12 months no interest with payments required. The promotional expiration date is XXXX/XXXX/XXXX. We are making payments. The merchandise was very late being delivered. The refrigerator ( the bulk of the purchase price ) was n't delivered until XXXX/XXXX/XXXX. I called XXXX and asked them to correct the interest start date to XXXX/XXXX/XXXX and the promotional expiration date to XXXX/XXXX/XXXX but they refused to make these changes. I would like those changes to be made because it is unfair to penalize us for the dealer 's XXXX delay in delivery. I would add that the dealer never communicated with us about the delay until we reached out to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Hi this is XXXX XXXX XXXX started to look to refinance our house back in XXXX and found loan Depot online our current mortgage is through XXXX come the end of XXXX we were finally ready to start signing papers and finalizing this new current mortgage with loan Depot my loan officer XXXX told me not to make my XXXX payment with XXXX because things will be finalized in XXXX on XXXX XXXX we signed all the documents with a notarizer and the mortgage was supposed to send me my cash to close on XXXX XXXX I guess they said they were waiting on a credit card that I paid off to come through and did n't tell me so that took us into XXXX and now I have a late payment on XXXX Mortgage because they did n't pay it in time and now they will not help me because FHA will not allow a late payment I never missed a payment all year the only reason I missed this XXXX is because I was told not to pay it is there anyway I can continue with getting this loan or another XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: NC
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:
This complaint was the result of their non-compliance to my request and for their refusal of getting the account listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned account for it was found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a pair of boots from Macy 's in XX/XX/XXXX. The statement closed on XX/XX/XXXX. I received the boots on that day and did n't care for them. I returned them on XX/XX/XXXX for a full refund. No interest had been charged on the card. This came to a XXXX balance. On XX/XX/XXXX I ordered a jar and another pair of boots which means those should go on my XX/XX/XXXX statement and be due in XX/XX/XXXX. Instead Macy 's is n't considering my return of the boots a " valid payment '' for my XX/XX/XXXX statement and what I charged after statement close is now due on XXXX which is when the minimum payment was due for the boots I returned. I talked to a supervisor who told me this was legitimate and valid because returning the boots for a full refund and making my account a XXXX balance is NOT THE SAME as making an actual payment so I did n't " satisfy '' my payment requirement due on XX/XX/XXXX. So apparently even if I had n't charged the new pair of boots and jar on XXXX they were still expecting money from me on boots I NO LONGER HAVE IN MY POSSESSION because I would n't have met their minimum payment requirement by just returning the boots. I have NEVER, EVER, EVER had a credit card company do this. When I return an item after statement close they credit my account and it ALSO goes toward the payment that 's due. I should not have to pay for what I charged on XX/XX/XXXX until after my statement close on XX/XX/XXXX. Instead they are making it due XX/XX/XXXX even though what was due on XX/XX/XXXX came from my statement close on XX/XX/XXXX and was an item I returned for full refund on XX/XX/XXXX. I feel this to be illegal business activity.

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 2022-03-22
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
I leased a XXXX in 2020. It was in the shop more than 4+ times for the same problem, so the vehicle went back under the AZ Lemon Law. Chrysler Capital paid me for the return of the vehicle. Chrysler sent letters to all XXXX credit bureaus that the lease had been closed with a zero a balance. XXXX is still showing the account as open with a $ 10+K balance. Chrysler gave me a letter to give to XXXX to have the credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank 's website has been down for over a month over 30days. i have not received any communication from them informing me of anything. I have tried calling them and can not get anyone on the phone. i have waited over an hour on hold trying to make a payment. This is OUTRAGEOUS!!!! i dont know if they are reporting me late to credit bureau or what is going on????? please find out!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account with Discover since they had a decent interest rate and sign on bonus. 

I made a transfer ( ACH ) from my existing credit union account ( XXXX ) for XXXX and discover received it - several days later I transferred XXXX out to put into another savings account. Ever since the account has been locked I canno ADD nor REMOVE any money from the account. 

I did receive a notice to contact their fraud department which has proven useless. I have called 22 times now and been on hold for up to 3 hours on several occasions. 

I just want my XXXX ( and interest/bonus ) back at this point. I will close this account and my CC account with them as soon as I can get this money returned to me. 

Very scary not being able to access money - GLAD it is not an an emergency need right not I am out XXXX dollars. 

I found online that this apparently is a common occurrence right now- they are doing it to multiple people AND no one answers their phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TSC Accounts Receivable Solutions
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call this week  (   XXXX   XXXX   XXXX  ) that I had an outstanding debt from  XXXX . However, I do not have any bills from the original company they claim to be collecting for to say that I owe anything. I have a screen shot from this my doctor stating that I have no outstanding bills.    XXXX   I have had the same phone number for a decade so they clearly did not try hard to contact me by phone before this point. During the phone call, I was NOT told that I could dispute the claim if I needed to. I have moved once but forwarded my mail and did not receive anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a safe deposit box at the local Bank of America for 10 years. I recently hear that that location is closing and so I called the branch on XXXX/XXXX/16 to ask when should I go and collect my safe deposit contents. I was informed that the box has been drilled open and the contents are sent to a " central '' location. I was never notified that they will do this. I live XXXX miles away from the bank and the rental fee is directly debited from my BofA bank account. This is not ok. My valuables are tampered & they have not been returned to me as of this date of complaint.The bank also told me XXXX different stories of how the contents are handled. XXXX version was the entire box was wrapped up without opening the box and exposing the contents. XXXX version was the items were inventoried by bank personnel.

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 2023-04-06
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I wrote and mailed check # XXXX to XXXX XXXX Treasury for {$7300.00} as payment of the 2nd half real estate tax. I balance my checking account weekly via XXXX and I balance it with the Bank statement monthly. My bank statement does not have digital images of checks, just the date, amount and check number. Everything balanced but on or about XX/XX/XXXX we received notice of our new real estate tax bill along with notice that our previous 2nd half payment was past due, along with a substantial overdue financial penalty. I immediately went online to US Bank, where I was able to access a copy of check # XXXX, which had been changed to an unknown party but left the dollar amount unchanged. I immediately notified the US Bank fraud office and followed their directions to document everything and appeal for reimbursement for the fraudulent check. I provided a copy of my check stub, which showed how check # XXXX was originally written ( the amount was identical to the first half check written XX/XX/XXXX. ) On XX/XX/XXXX I received notice that US Bank had denied reimbursement because I had not notified them within 30 days after the relevant bank statement. Obviously, I had no reasonable way to know of the fraud until I received the overdue notice from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Blackhawk Network Holdings Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Purchased a XXXX pack with {$500.00} loaded onto it. Tried to add it, online, to my XXXX  safe. At login, site says my account is blocked. Called customer service. I followed the steps recommended. Waited twelve hours. tried again. Called customer service again. Told me there were no problems with my account. I could escalate and wait for a response in 3-5 days. Asked for my money back. Gave me a case number but would n't send email confirmation. Said refund would take 30 business days! Spoke with XXXX on XX/XX/XXXX at XXXX XXXX cst.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-02
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I called NAVIENT regarding the two account ( s ) on which I am co-signer in XX/XX/XXXX. On two occasions I was given different information regarding accrued interest fees and late fees. I made a payment and was advised that all accounts were " up to date '', only to learn that there were still outstanding late fees. This impacts my ability to keep the loans " in good standing '' for other re-payment programs. 
Also, I was deceived into thinking that my daughter would receive a lower interest rate on her loans if I called and updated my personal and financial information. It became clear to me that NAVIENT simply wanted my updated information so that garnishing wages could take place for both me and my daughter, if necessary Customer service made no attempt to reduce her interest rate. 
Our interest rates are " variable '', but there have never been any adjustments in lowering them when the federal interest rates were lowered over the past 7 years. 
Finally, my daughter is now in " interest only '' payments which still allows the high interest rates on the loans to grow exponentially. Her loans have doubled since she took them out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: DISCOVER BANK
State: CA
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:
Discover is the worst bank that XXXX have It's hard on transactions and deposits When my money come on to the account I am done with discover I'm taking it all out And I'm going to another bank that have more common sense

Company response to consumer: Closed with explanation