BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XXXX XXXX- I opened the Citibank card and initiated two balance transfers from my XXXX credit cards totaling {$3200.00}. About two weeks went by ; I had received my card, activated it, yet on the app, both transfers were still showing as pending. I've never had a transfer take so long so I called to make sure they were going through. ( I think this was XXXX. XXXX. ) I was told by the rep they did not go through. I then said, " Can I cancel those two transfers then and just do one transfer because things have changed in two weeks. '' She said yes and helped me do just that. I canceled the two transfers totaling {$3200.00} and just did one transfer for {$5000.00}. I even asked AGAIN, " You are sure those two will be canceled and only the ONE transfer will go through '' and she said yes. 

Two days later, the first transfer went through, and it snowballed to all three going through, now totaling {$8200.00}, along with extra fees. I called again and I was clearly upset and asked to be transferred to a supervisor. The rep said " If I transfer you they will tell you the same thing. '' I did finally get a supervisor, or at least I think I did. She researched my issue and called me back after an hour or so. She ASSURED me AGAIN that she would handle and the first two transfers would be canceled and just the one transfer of {$5000.00} would go through. Well clearly that did not happen and now, as of XXXX XXXX, I have two credits on my XXXX cards : One for {$2700.00} and one for {$130.00}. 

I called Citibank a THIRD time XXXX XXXX. She basically said my ONLY option was to go through XXXX and get the credit from them to pay off Citibank. She also said she would waive ALL transfer fees. I repeated, " This call is recorded, right? '' She said yes. I said, " Then I am saying out loud again for that purpose you are waiving ALL balance transfer fees and I need to go to XXXX to get a refund and can then pay off Citibank with that money. '' She said yes. 

I called XXXX and now I have ONE check coming to me totaling {$2700.00}. I have no idea if this is really fixed. It's way too stressful and should not have taken this much effort.

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 2018-12-02
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a credit card and a checking account at Citibank. I made a check deposit to Citi private bank. via their mobile banking application. I had previously tried to make the deposit to a separate credit union, but the check was above the allowed amount. I had to scratch out " For Mobile Deposit Only at XXXX '' and write " For Deposit at Citibank. '' I called after making the deposit and was told that they would notate the account and let me know if there were any problems. I was then notified that the deposit had been accepted and there was a partial release of my funds. Two days later I logged into the app and noticed that my checking ing account did not show up. When I inquired I was told there was a fraud alert on my account and that I could not currently use my checking account. I had never been notified of an issue and was told that the department that handles the account would not be open until Monday. I was told that my funds would be inaccessible and they could not do anything to help. I had a large payment that I was attempting to make today and am now unable and will incur a {$150.00} fee for the delay. Keeping a customer from their deposited funds without recourse nor notification is not only terrible customer service - it is illegal.

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 2020-01-04
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
The mortgage loan was sold several times last year when I feel behind due to an job injury and I was on XXXX. My current mortgage lender consistently records my payments as XXXX days late, when I am not. I have been caught up on all my payments for the last 6 months but they are still recording errors and they wont change them. If I dont pay my mortgage by the end of each month before the 1st, I will get a notice from he following week, along with a credit counseling package stating that I am now past due. I have until the XXXX of ever month to pay my mortgage until i am technically late, so I shouldnt be receiving any threatening phone calls or debt packages until then. They also dont update their entries to the three credit boards in a timely manner. My credit profile still shows that I am delinquent when my account is current. I have filed numerous complaints with the 3 credit agencies to correct the information but my lender will report that its correct per the FCRA. Which it is not! This is effecting my credit score. I wont to stay current so I can refi my loan and switch to a better mortgage lender!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced to leave Mr Cooper/Nationstar. Mr Cooper/ Nationstar received my payoff on XX/XX/2018. They returned the payoff to the title company. XXXX from Mr Cooper/Nationstar told my new bank and title company that money from my escrow could be used to complete the payoff. The payoff was sent back and a late payment was added to my credit report. 

This is a false report on their behalf, they received my payoff in time, and did not attempt to call me, send me an email, or any other correspondence to let me know the payment was to be returned. 

This was not the first time this had happened. Making regular monthly payments they would lose the payment in some sort of suspension account and charge fees. 

To try to have my issues resolved, I would call the customer service line. The representatives answering the phone seemed lost/confused and never seemed to have records of previous communication. I would then be placed on long holds to wait for an escalation specialist, who would not call back after promising to follow up with status updates. This happened many times. 

Finally I get away from the company and they misreport on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-01-04
Company: Webcollex, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original account was a result of identity theft. I have disputed with CKS financial regarding this fraudulent account and therefore their fraudulent collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern : Comenity- My XXXX XXXX XXXX XXXX XXXX 2017 This is customer, account ending # XXXX .... I just finished a conversation with XXXX XXXX XXXX XXXX XXXX phone number, Account Manager XXXX # XXXX and Floor manager, XXXX # XXXX, about my interest charges. We make our payments on time and pay in full every month. I was told that we are being charged interest on the purchases made between the closing statement date that are NOT on the statement or reflected in the amount due. ( Trailing interest )??? If the amount due is paid in full and received on time, HOW IS THIS LEGAL, to charge interest charges which ARE NOT on the statement. I was told that I could call every month to see what purchases that have been made and the amount owed in addition to the STATEMENT AMOUNT in order to avoid interest charges. These terms and conditions, stated by the account manager, were changed in XXXX 2017 without my consent. Thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-04
Company: Clarity Services
State: CT
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:
[ Date ] [ XXXX XXXX ] [ XXXX  XXXX XXXX ] [ XXXX, ct, XXXX ] [ XXXX XXXX XXXX ] [ ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ Description of fraudulent transaction/account ] [ Dates of fraudulent transaction or Account Number ( if known ) ] Dear Sir or Madam : I am a victim of identity theft.. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ XXXX ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 

Enclosed with this request is the following documentation, as applicable : 1. I have Proof of my identity : i send A copy of my drivers license, ; and 2. i send Proof of my claim of identity theft : A copy of the police report about my identity theft ; and A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 


Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name is in the police report I send, address and telephone number is : If you have any questions concerning this request, please contact me at the above address or at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Sentry Credit, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Day I received a letter from the Sentry Credit about an alleged debt received on XX/XX/XXXX. I responded with an dispute onXXXX with a certified return request letter from the US Postal Service asking Sentry to validate the debt. this was my second time I requested Sentry to validate the debt. This company has failed to validate this account on multiple occasions. Sentry failed to provide legitimate proof to include a signed contract as requested on my original letter to Sentry Credit. 

I received a return letter from Sentry Credit on XX/XX/XXXX providing a statement that I have attached without an exact amount listed, I did not receive a copy of a contract with my signature that this debt is indeed mine. A bill is not proper validation of the debt and they are not the original owners of the debt. I have to protect my financial interest to assume that any debt, bills, or any other financial obligations indeed are indeed mine during this time of so much fraud and malice. I also have a right within the FDCPA to request a copy of a signed contract to assume responsibility of a debt ; as this ensures that this creditor has the right person and a method of validating the debt. Sentry credit also did not remove the alleged debt from my credit file during the 30 day verification process a violation of 15 USC XXXX  ( 1000.00 ). 

This company has knowingly violated 15 USC 1692g ( 1 ) the exact amount of debt owed. 

15 USC 1692i ( a ) signed contract.

15 USC 1692k ( a ) Creditor still reported on my credit file during debt validation process. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, 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:
These are the only 2 places I have lived in the past XXXX years. XXXX XXXX XXXX,XXXX, IL XXXX
XXXX XXXX XXXX,XXXX XXXX, CO XXXX-XXXX.

Therefore I could not have been at XXXX XXXX-
XXXX  XXXX XXXX #XXXX**** 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 
(XXXX) XXXX
Placed for Collection: XX/XX/XXXX

COLLECTION AGENCY/ATTORNEY
Balance:
$XXXX
Date Updated:XX/XX/XXXXOriginal Amount:
$XXXX Original Creditor:
XXXX XXXX (Rental/Leasing)
Past Due:
>$XXXX<
Pay Status:
>In Collection<
 
Also I have never done business with XXXX XXXX. 
I was not in the state when this was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I realized that my debit card with Netspend had been hacked and XXXX  XXXXwas withdrawn from my account. It looked like the hackers were using my card at different stores getting cash back or using ATMs but the only problem was my card was on my possession and I had not been to any of these stores. I immediately contacted Netspend and they advised me I would need to send an email to their fraud department with a list of the unauthorized transactions and someone would get back with me in 10 days. Well today XX/XX/2022 is the tenth day, I did not receive anything back from Netspend so I called them and was told by a representative that no error was found and the dispute was closed. The representative said they had not reached out to me because they had 10 more days to let me know of the decision. I stayed on the phone for over an hour with two different representatives to only be told there was nothing they could do, that they could not tell me how the money was taken or what they found in the investigation nor was I provided with their corporate offices number so that I could file a complaint or get more information. This is the worst experience I have ever had with a bank, I am out of {$710.00} with rent due in the next few days. What can I do to have the bank investigate this issue more deeply because I work too hard for my money and it not even be protected.

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 2017-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America became my home mortgage loan servicer by assignment. My original mortgage servicer permitted automatic monthly payments. Bank of America only permits automatic monthly payments if the user sets up a Bank of America checking, money market or home equity line of credit account. This is an unfair practice. Such automatic monthly payment option is a standard and customary service and should not require the user to open a Bank of America 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 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
about 1 week ago I got 2 letters from Bank Of America stating they were lowering available credit limit because of some past due amount. I don't use the card but checked into it.. it turns out some scam company ( XXXX XXXX Service out of California ) charged {$16.00} for what looks like a credit bureau report XXXX Bank Of America chose to wait 1 year ( XX/XX/2021 ) of compounded late fee 's until the amount surpassed {$500.00} before notifying me... They made sure to state that my XXXX score was XXXX and that it would be a shame to have a delinquent mark on my credit history that would lower it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: ALLY FINANCIAL INC.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My auto lease was handled by Ally ( XXXX. XXXX XXXX XXXX, MN XXXX ; XXXX ). I have contacted the lender on multiple occasions, having spent many hours on the phone to resolve what is an internal billing schedule error on Ally 's part. In short, I have made every monthly payment, and a review of my payments verifies that I send my payment every month via my online billpay, consistently between the XXXX of the month. I was informed by a representative several years ago now that they would in fact fix their billing due date on their internal systems so that I would not be charged late fees/penalties. This was never done and they have now for years continued to carry a balance on my account for wrongful late charges. Several days before I turned the vehicle in ( lease came due in XX/XX/2018 ), I spent over an hour on the phone yet again disputing the {$100.00} charges and was told that the amount would be discharged in its entirety without any negative impact. Yet, I continue to receive bills every month for this amount and am now being threatened with notice of intent to report negative credit information. I AM ABSOLUTELY APPALLED BY THESE DECEPTIVE AND FRAUDULENT PRACTICES OF ALLY AUTO AND REFUSE TO PAY THIS INACCURATE CHARGE. THEY HAVE SHOWN AN ABSOLUTE UNWILLINGNESS TO ACT FAIRLY AND IN ACCORDANCE WITH THE LAW AND SIMPLY RESOLVE THIS, ESSENTIALLY DISREGARDING THE MULTIPLE ASSURANCES I WAS GIVEN BY MULTIPLE REPRESENTATIVES THAT THIS WOULD BE REMEDIATED. AND, HOLDING A NEGATIVE CREDIT REPORT OVER MY HEAD ONLY REINFORCES THEIR UTTER LACK OF CUSTOMER SERVICE AND CHOICE TO BULLY CUSTOMERS RATHER THAN ACCEPT RESPONSIBILITY.

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 2020-06-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-06-10
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I submitted an Borrower Defense Claim against Student loans who were defrauded by XXXX XXXX. It has been known that President Joe Biden has cancelled loans from anyone who attended XXXX Its now XX/XX/2022 and still no response and Federal student loans are still on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Northland Group Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX sold ( 4 ) accounts and the debt associated with these credit cards to the Northland Group, aka XXXX XXXX. These cards are not mine and were opened as a result of identity theft and fraud. I have never used these cards and have never had them in my possession. I notified XXXX as such. I also provided XXXX proof that I was a victim of identity theft and each of the three credit bureaus froze my account and placed notices of such therein. Northland Group is now contacting me attempting to collect on the fraudulent accounts and obtain money under false pretenses. I have asked that they provide the same supporting information on which XXXX relied to make their original claim, but to date they have not responded. I hold XXXX and Northland Group liable as they are both in violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: MD
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:
My XXXX XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and only XXXX has removed it totally. XXXX and Equifax have not. It's XX/XX/XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed.

Company response to consumer: Closed with explanation